Complete General Contractors

Fire may be a result of lightning, electrical problems, occupant activity, or even fraud. In our experience, the actual fire damage can typically be remediated with an overall understanding of the building loads or structural repair. Any time these repairs may be atypical to the original construction and do not fit the letter of the building code but more importantly fill the purpose of carrying the weight of the building. The larger challenges associated with fire damage, in our experience, is the damage caused by soot and chemical off-gassing that occurs during the fire.

As an insured loss, the National Flood Insurance Program holds the vast majority of the risks, both riverine and coastal. Typically, the National Flood Insurance Program only allows $250,000 for residential and $500,000 for commercial. In addition to these policy limits, many exclusions apply that can affect a person's risk. Proper floodplain management and the construction and planning of our built environment is for a successful result. Excess insurance is paramount to protecting one's risk. Obviously flood is water damage, but the type of loss can be very different depending on the type of flooding a property receives.