Frequently Asked Qustions:

Q: Is it worth filing a claim?

A: This is a tricky question.  You need to look at the situation, assess the damage, check your deductible as well as your financial situation.   Our opinion is that if you can afford to pay out of pocket and the damage is not going to exceed your deductible by a fair amount, we advise not filing a claim.

Q: Will my insurance company raise our rates for filing claim?

A:  This is dependent on  the carrier and your policy but in most cases your rates will increase upon renewal after filing a claim.

Q: What if I feel the amount the insurance company offered is inadequate.  Do I have to accept the amount that they offered?  


A: No.   We will use our experience and expertise to work with your insurance company to reach an offer that is fair and inclusive off all covered damages.


Q: My basement is flooded, who should I call first?  


A: Call R&S Construction - Restoration first.  We will send a plumber to stop the cause of the water with a water dry out team to follow behind if needed.


Q: Are you licensed and insured? 


A: Yes we are.  Feel free to contact us for documentation.


Q: Do we have to use the contractor that the insurance company wants? 


A: No.  You are free to work with any company you want.


Q: What is covered when my house is damaged? 


A: Every policy is different.  We will work with you and put you in touch with people who can help  you better understand what your policy covers.

Q: How does pricing get set?

A: Most insurance companies and contractors use a program called Xactimate.  Xactimate lays out line item prices for work that will be completed.

Q: How long have you been in business? 


A: R&S Incorporated  in 1983.


Q: What are your hours? 


A: We take emergency calls 24 hours a day 7 days a week at 1-888-545-8514.