Question 1

Should i call my insurance company start and file a claim?

Accepted Answer

This is a tricky question.  We suggest calling in an expert to help look at your situation, so you can assess the damage, check your deductible, policy coverages,  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,  not filing a claim.

Question 2

Will my insurance company raise our rates for filing claim?

Accepted Answer

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

Question 3

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

Accepted Answer

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.﻿

Question 4

My home has been damged who should i call first?

Accepted Answer

If this an emergecny please call 911 first.  For other situations call R & S Restores we can help look at your situration and advise the best course of action, and bring in the correct crew(s) to assit you.

Question 5

Are you licensed and insured?

Accepted Answer

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

Question 6

Our insruance carrier is suggestion we use there contractor do we have to use them?

Accepted Answer

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

Question 7

What is covered when my house is damaged?

Accepted Answer

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.

Question 8

How do you detrimine cost of services provided?

Accepted Answer

Most insurance companies and contractors who work with them use a program called Xactimate.  Xactimate lays out line item prices for most items.

Question 9

How long have you been in business?

Accepted Answer

R&S Incorporated  in 1983.

Question 10

What are your hours?

Accepted Answer

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

callNow: 888-545-8514

F.A.Q.

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Call 888-545-8514