Truths consumers should know

(FAQ)

Flooring Nightmare

Our goal isn’t to instill fear but to educate Consumers on the risks of choosing unqualified contractors based solely on price. The flooring in this photo was installed just one month prior—unfortunately, by a contractor the homeowner found on Facebook who offered an exceptionally low bid, less than half of ours.

While cost is always a factor in any project, a bid that’s drastically lower than others should be a major red flag. Within a week of installation, this floor began separating, and penny-sized bumps started to appear. When the homeowner reached out to the contractor, they blamed the issues on the house settling and refused to take responsibility.

Upon inspection, we discovered the real issue: a lack of proper site preparation. The previous contractor had installed the flooring over a surface littered with nails and debris, covering it with underlayment instead of properly Sweeping and prepping the area. This oversight led to the complete failure of the floor, requiring a full replacement.

This is a prime example of why quality craftsmanship and experience matter. Cutting corners to save money upfront often leads to costly repairs down the road. When choosing a contractor, always prioritize reputation, expertise, and integrity over the lowest price.

Arming Our Restoration Clients: The Truth About Insurance and Why Your Contractor Matters

Disaster strikes. Maybe it’s a fire tearing through your home, a flood turning your neighborhood into a swamp, or a storm ripping everything apart. You call your insurance company, expecting help. Instead, you’re met with red tape, runarounds, and resistance.

Welcome to the reality of post-disaster insurance claims. Here’s how homeowners get blindsided—and why the contractor you choose can make or break your recovery.

1. The First Call from Hell

You just watched your home get wrecked. You’re shaken, overwhelmed, and probably still in shock. Then comes the next punch in the gut—hours of automated menus, scripted reps, and paperwork galore just to get your claim started.

This is when you should also call your contractor. And not just any contractor—do yourself a favor and hire a real General Contractor. In Texas, there’s no such thing as a “licensed general contractor,” because the state doesn’t require one. That means literally anyone can slap the title on their truck and start bidding jobs they’re not remotely qualified to handle.

Check credentials. Check reviews. Check everything. Pick a company with a real reputation and a history of doing right by people. Ignore the storm-chasers and door-knockers. Let them tarp your roof or clear a tree—that’s fine. But don’t sign anything. They don’t work for you. A real GC does.

2. The Waiting Game

Once your claim is in, you wait. And wait. Meanwhile, your house sits exposed, deteriorating by the day. If you’ve already hired a GC, they’ll have a plan to secure the site, document the damage, and get things moving. You’ll get an estimate and a roadmap to recovery—because they work for you, not your insurance.

But remember: your GC is not your bank. If your insurance is dragging its feet, you still need to keep your contractor paid or risk major delays—or even losing them altogether. This is your house, your investment, your fight. Your GC can guide you and help argue your case, but they’re not miracle workers. They’re your ally—treat them accordingly.

3. Lowballing & Gut Punches

Eventually, an adjuster shows up. You think you’re about to get some real help—then boom, the offer comes in low. Really low. Like “how the hell is that supposed to cover anything?” low.

This is where a seasoned GC shines. A good one doesn’t care what the insurance thinks is “enough.” They know what the work will actually cost. They’ll write an estimate that reflects what needs to be done, not what the insurance company wants to pay.

4. Adjuster Gauntlet

There are levels to this madness. Here's a quick breakdown:

  • Field Adjuster: Usually the first on the scene. Young, inexperienced, or worse—experienced in telling you “no.” Be polite, say little, and never sign anything.

  • Desk Adjuster: Hides behind email. Cold, bureaucratic, and surgically trained to deny coverage. Email is your weapon here. Everything in writing.

  • Supervisor: The big boss. Smooth talker, professional denier. If you’re talking to them, things are serious. Bring in your GC, public adjuster, or attorney.

  • Public Adjuster: The only one on your side. They work for YOU. Like your GC, they’ll fight for what’s fair—and they’re worth every penny.

5. The Paperwork War

Even if you’re winning the argument, the insurance company will keep moving the goalposts. “We need more photos.” “We need another estimate.” “We’ve reassigned your adjuster.” Rinse, repeat.

They’re trying to wear you down. So document everything. Your GC will too. Push for email-only communication so you have a paper trail. Phone calls get forgotten or denied. Emails can win court cases.

6. The Fine Print Trap

You thought your policy had you covered. Now you’re learning what “exclusions” and “limitations” really mean. Coverage gaps, denied claims, and shady loopholes pop up left and right.

That’s the darkest part. Your GC might be ready to rebuild, but without funding, they can’t keep going. If you can’t pay, they may have to file a lien on your home—not to hurt you, but to protect themselves. Ironically, that lien could become your weapon in court. It proves the insurer caused direct harm.

Avoid this by reviewing your policy BEFORE disaster strikes. Make sure you have “law and ordinance” coverage and full replacement cost—not just “functional repair.”

7. Emotional Whiplash

The process is draining. Mentally, physically, emotionally. It’s not just a claim—it’s your life, upside down.

Your GC can take some of that weight off. The good ones know the drill. They’ll get your home back together and help you breathe again. Just make sure you do your homework up front—don’t chase cheap bids. A good GC may charge for estimates, but that’s a sign they value their time and know their worth. Like a doctor for your home, they’re here to help you heal.

Final Word: Know Who’s On Your Side

Insurance companies hold all the cards—until you bring your own players to the table. A trusted GC. A solid public adjuster. A lawyer if needed. These are your advocates.

This isn’t about being angry. It’s about being informed, prepared, and protected.

Don’t go into this fight unarmed. And never forget—you have the right to choose your contractor. Choose wisely. Choose local. Choose someone who answers to you, not the insurance company.

And if you're already feeling screwed by the system? You're not alone. We're here, and we’ve got your back.