F. A. Q.
"FREQUENTLY ASKED QUESTIONS"
We may not be able to answer them all right here but, that's okay. If you still have questions, just send us a message, and we will do our best to answer them as soon as possible. Don't forget, you can always just call us and ask!
Q: Where is All Star's Home base?
A: We have permanent offices in Cedar Hill, TX and in Lehigh Acres, FL. However, our company is designed to work nationwide.
Q: Does All Star work as a Public Adjuster? (Do you settle my insurance claim for me?)
A: No, we are not Public Adjusters. We do have licensed adjusters on staff to aid in the estimating process, and to help customers navigate the claims process. However, we ARE NOT public adjusters. Which also means, we do not charge additional for any of our services that will aid in your claim being settled. Your insurance adjuster and the carrier is responsible for settling your claim. With that said, All Star prides itself on a healthy relationship with the insurance carriers and respects the job their adjusters and supervisors must do. Our job is to provide a clear and defined scope of damage and work and attach a value to each item covered under your policy, so that your adjuster can expedite the process.
Q: What size projects does All Star take on?
A: All Star specializes in major property damage reconstruction. However, we can handle everything from roofing to flooring and anything in between.
Q: Can I do some of the work myself to help earn funds to put toward the deductible?
A: Possibly. There may be some items that you will be able to take on. If so, All Star will help you determine the best possible options in this regards.
Q: Am I required to get three bids?
A: Not necessarily. Especially after a major disaster. The truth is, you should only be concerned about hiring a quality, licensed contractor, who will work side by side with the adjuster in determining the scope of damage and fair value for each damaged item. They should also be willing to complete the project with the insurance allowable funds. It won't save you money if you find a General Contractor to do the job for less than what the insurance company allowed.
Q: Why won't it save me money if I find someone to do it for less than the insurance allowable funds?
A: In the end, if you can find someone to do it for less than the allowable funds, the insurance company will have saved the difference, not you. Once the insurance adjuster determines the total RCV (Replacement Cost Value) of all your property damages, they will then depreciate that amount based on the age of your building and it's components (usually around 30%). They will then release the remainder of those funds once work has been completed. In this case, the only way to save (or keep) money, is to ask a contractor to do the work for one price, and then submit an invoice to the insurance company for a higher price. It goes without saying, that this is both unethical, and illegal. Obviously, we feel that this is unacceptable for either party that chooses to do business this way. In the unlikely scenario, that you have an ACV (Actual Cash Value) you may need to carefully weigh your options before signing on with a contractor.
Q: Does Allstar handle projects other than those that are insurance related?
A: YES! Of course we do! We handle home renovation, remodels and "flips" for buyers looking to resell properties.
Q: If my job is out of your base market area, Does All Star use local sub-contractors? And what happens If I have a warranty issue?
A: Much of the time we do. Especially as it relates to electrical, HVAC, and mechanical trades. However, we also some trades "in house", and travel with experienced, well qualified crews that handle many of our trades. In regards to any warranty issues, we always network with local sub-contractors to handle any possible issues that may arise in the future.
Q: Do I have to pay my deductible?
A: Yes. In short, that's the clearest answer we can give. Every state has very specific laws regarding insurance fraud, and while many companies will find creative ways to "rebate" your deductible. This is both illegal and unethical and we will simply not do it. Our opinion is, if a contractor is willing to behave unethically to "benefit" you, rest assured they will likely behave in a similar fashion to benefit themselves.
Q: Is there anything All Star can do about my high deductible?
A: Once again, we cannot refund it, plain and simple. As we mentioned earlier, we may be able to help you find ways to offset your deductible with owner furnished labor in some trades.
Q: How long will the job take?
A: As you can imagine, every job is different, and will vary based on the size of your property and type of damage. For large projects, count on several weeks (or even a month or two for major rebuilds) for the insurance company, engineers, architects, city building officials, and All Star to get everything ready, before actual construction begins. After that, it is entirely dependent on the size and scope of work.