Frequently Asked Questions

The Confusion of the Claims Process

Q – I am confused by all the different people who are involved with my claim. Can you explain who they are?

A – The insurance agent, who sold you the policy, is the insurance company’s representative. The insurance adjuster (or claim adjuster), who is assigned to your claim, will work with us to approve and pay for the repairs based upon your insurance policy coverage limits. A Public adjuster will work with you to get you the most from your loss, many times the insurance company will blindside the customer by not putting everything that needs done in the scope, a public adjuster will justify these items to your insurance to get you more money. The mortgage company may be involved to assist with insuring your property is repaired back to pre-loss condition. Granite Mountain Restoration, your restoration contractor, has been hired by you and will work with all the different parties to repair your damaged property.

Q – Do I need to get multiple Estimates?

A – No. Your insurance policy does not require multiple estimates. By hiring Granite Mountain, one call does it all. We are fully prepared to handle your entire claim from beginning to completion. That includes: 24 Hour Emergency Services, handling your personal property, dry cleaning needs, mold remediation, bio-hazard cleanup, odor elimination and complete property reconstruction. That is why we can say: “One call does it all!”

Q – How does the Claim get Paid?

A – Granite Mountain will provide a scope of work to the insurance adjuster who will approve the repair scope and issue the repair payment to you, less your deductible.

Q – When is the Deductible Paid?

A – The deductible is your responsibility and is due before any services begin.

Q – I received the insurance payment and the mortgage company’s name has been included. What do I do?

A – We understand the process and, if you request, we will contact your mortgage company and provide them with the necessary claim documentation so they can process the insurance payment. They will process the payments so that the work can progress. We will assist in the mortgage company’s many property inspections. We’re happy to work with you on these sometimes confusing issues.

Q – What is Depreciation?

A – In simple words, we can say that depreciation is the reduction in the value of an asset due to usage, passage of time, wear and tear, outdating or obsolescence, and other similar factors. Some insurance policies include depreciation on selected items. Recoverable depreciation is refunded when all of the repairs are completed. Non-recoverable depreciation is not refunded and will have to be paid by you directly to Granite Mountain.

Q – Why did I receive a 20-day preliminary lien notice?

A – Granite Mountain, depending on the size of the loss, follows the state requirements of pre-liening property damage losses. A 20-day preliminary lien notice is not a reflection of your honesty but is a required document for contractors to protect their payment rights.

General Questions

Q – My property has been damaged. Who will repair my property?

A – You, the insured, are in charge of your loss and are the only person who can choose and hire the repair contractor. Granite Mountain is a “full service” licensed and bonded Disaster Recovery Specialist. In all cases we work for you and pledge to return your property back to its pre-loss condition.

Q – I have damaged items and valuables in my home. What do I do?

A– Granite Mountain will inventory all of your personal property, pack up, restore and/or clean, store at a climate controlled location and return upon completion of your repaired property. The items that cannot be repaired may be replaced providing you have coverage.

Q- What do I do with my valuables?

A– We want you to collect all of your jewelry, important documents, firearms and other valuables. Keep them in your possession.

Q – Who makes the fixture and construction material selections?

A – Granite Mountain Project Manager will meet with you and help you with this process. We have per-approved suppliers that will be called upon to help with the necessary selections of construction materials, including: flooring, paint colors, lighting and plumbing fixtures, cabinets and counter tops, appliances, window treatments and more.

Q – What happens during the repair process?

A – The Project Manager and the Project Coordinator assigned to your project will be scheduling the repairs through Granite Mountain crews and pre-approved vendors to insure the highest quality repairs. If additional damage repairs are required, the Project Manager will submit the estimate. Any extras requested by you that are not part of the damage repairs will be paid in full to Granite Mountain before work on those extras begin.

Q – Do I get a Certificate of Satisfaction, a warranty and a lien release?

A – Upon the satisfactory completion of all services, Granite Mountain will present you with a Certificate of Satisfaction. We will keep a signed copy for our records. Included in this document is our two year written workmanship warranty and lien release.

Fire and Smoke Damage

Q – My property has just suffered a devastating fire. What do I do now?

A – Granite Mountain is here to help. A fire is a disastrous event that turns people’s lives upside down. We understand what you are going through, and our highly trained staff is here to help you every step of the way. We will come out to inspect your damages, and ease you into the recovery process. We can work with your insurance company to get repairs started immediately. We can also help you understand the entire process, so
you can feel less overwhelmed. We’re just a phone call away.

Q – My property was damaged by fire and I am concerned about future smoke damage issues. What do I do?

A – Granite Mountain uses a multi-step process to ensure your property has been completely decontaminated of all fire and smoke damage.  It should be comforting to know we have never had a failure in our revolutionary odor control process. Your property and its contents will be returned to their original state, like the fire never happened.

Q – How is all of my fire damage going to be repaired?

A – Fire damages require a highly specialized process in order to be returned to pre-fire condition. Granite Mountain is experts in fire restoration, and we know what it takes to get your property back to the way it was. No property is too big or too small for us to completely rebuild and restore.

Q – The Fire Department recommended that I get my property boarded up. Is that something that Granite Mountain can do?

A – Yes. Granite Mountain will come out to your property and board up the premises. This will provide security to your property and help prevent further damage.

Water Damage

Q – My property is flooded with water! What should I do?

A – This is an Emergency Situation! Granite Mountain should come out to your property immediately to remove all standing water and begin the drying process. Since it doesn’t take long for harmful mold to form, you need us to come out ASAP.

Q – Who can fix my plumbing after you repair and remove all of my water damage?

A – Many times, the cause of water damage comes from a plumbing issue, and we realize you’ll want someone to assist you with those needs. Granite Mountain has a plumbing license and reliable plumbers that we would be happy to help you.