Don’t handle your property damage repairs alone. Call us today!
F&M Services GROUP INC
F&M Services Group INC. Virginia Loss Repair Contractor, Residential and Commercial, Repair and Restoration.
Insurance Loss and Property damage for Residential and Commercial damage.
Claim review for all Carrier losses for claims in Central Virginia, Virginia Eastern Shores, and Coastal North Carolina.
Loss Repair-Repair Contractor
By providing both loss consulting and loss repair services, F&M Group Inc., in Chester Central, Northern Virginia and the Eastern Shores can offer comprehensive solutions to clients experiencing property damage or other losses. This integrated approach allows for seamless management of the entire claims process, from initial assessment to final repairs, ensuring efficiency and consistency.
By combining these services, F&M Group Inc. can streamline the recovery process for clients, reduce the time and stress involved in dealing with separate entities, and ensure high-quality outcomes from assessment to restoration.
Homeowner Repair & Restoration
F&M Group Inc. is a licensed Homeowner repair and restoration contractor. We work as a dedicated partner for customers, handling all aspects of the restoration process. From damage assessment to coordinating with insurance providers and executing repairs, their comprehensive services aim to restore the property to its pre-loss condition.
Exterior Renovations
F&M Group Inc. specializes in comprehensive exterior renovations, offering a wide range of services to enhance and transform the outer appearance of residential and commercial properties. Based in Virginia, this renovation company is dedicated to providing high-quality craftsmanship and personalized solutions to meet the unique needs of each client.
Loss Mitigation Services
Virginia: Our Consultant/Loss Mitigation Role. | why.. it allows us to work as a consultant and establish the estimate, submit it to the Carrier, and work with the client and the carrier to do their repair….it also saves the client 20% in fees…
Mitigation
- Definition: Mitigation involves taking immediate actions to minimize the impact of a disaster or damage and prevent further deterioration. Mitigation is something that happens before the renovation process starts.
Examples: - Fire Damage
- Water or Flood Damage
- Storm Damage
Certified Fortified Roof Contractor
We are now a certified Fortified Roof Contractor.
less than 1% of roofing firms in the US that meet the qualifications to be approved for this program. READ MORE
Institute of Inspection, Cleaning, and Restoration Certification
IICRC Certified Firm #70145872
WRT Certified #70142707
CPR/AED #01P4R7K
EPA Certified Firm NAT-F296211-1
Don’t handle your property damage repairs alone. Call us today!
F&M Services GROUP INC
F&M Services Group INC. Virginia Loss Repair Contractor, Residential and Commercial, Repair and Restoration.
Insurance Loss and Property damage for Residential and Commercial damage.
Claim review for all Carrier losses for claims in Central Virginia, Virginia Eastern Shores, and Coastal North Carolina.
One Call, We Do It All
Welcome to F&M Services Group INC.
Your trusted partner in Loss Consulting, Loss mitigation, restoration, and exterior transformations. Located at:
We Have 2 Locations Near You
Chester Location
Located at 12750 Route 1, Suite 315
Chester, Virginia 23831
804-944-4838
Nags Head Location
Located at 2210 South Croatan Hwy, Suite 1041
Nags Head, NC. 27959.
252-916-7662
Link To Our Nags Head, NC. Page
We service Virginia, Maryland, North Carolina, and South Carolina.
Our company boasts over 26 years of unparalleled experience in the Insurance industry, construction mitigation, and restoration business.
With 26 years of industry expertise, F&M Services Group Inc. excels in coordinating projects from inception to completion. Also, we collaborate closely with our clients/homeowners, developing comprehensive scopes of work that guarantee a successful restoration journey.
As your Loss Consulting Contractor in Virginia
We work for you, the Homeowner and or Business Owner, as your advocate and partner throughout the entire process and bring your home and or business back to its fully restored condition. We work for you, the homeowner, and represent you! Not the insurance company throughout the entire process.
At F&M Services Group Inc., we serve as your dedicated one-stop resource, ensuring a swift return to normalcy, and with our commitment to excellence, coupled with years of experience, we are the preferred choice for those seeking reliable and efficient exterior transformations, renovations, and restoration services.
Experience the difference with F&M Services Group Inc. – where quality meets expertise, and your satisfaction is our ultimate goal.
Virginia, Our Consultant Loss Mitigation Role. why? It allows us to work as a consultant, establish the estimate, submit it to the Carrier, and work with the client and the carrier to complete their repair… it also saves the client 20% in fees…
Clean safe and professional work
( 804-944-4838 )
NC. Tel 252-916-7662
Example of working with us as a Loss Consultant Contractor
We are working on a loss as a loss consultant contractor, and we met with the homeowner after a tree hit his house locally, in mid-February, and we met with the adjuster. The adjuster created an estimate and paid out on the loss. His estimate was $156,280.00.
We started work with our final approved estimate. The loss is now $255,995.73 with additional missed damage (Asbestos removal and Electrical issues)
This is what we do for clients… we have many other examples of this … where the adjuster’s estimates are off from 40-60%, that the homeowner would never have been aware of or compensated for, so the proper work can be accomplished and paid for by the Carrier due to the current damage!
This is why you want to hire us!
Certified Fortified Roof Contractor
We are now a certified Fortified Roof Contractor.
less than 1% of roofing firms in the US that meet the qualifications to be approved for this program.
- FORTIFIED Roof requires multiple layers of defenses to prevent a cascade of damage that can start at the roof and impact the integrity of the entire structure during high winds.
- Investing in your roof, which is your first line of defense in protecting your home, when replacing your roof, and upgrading to the Fortified installation system can save you thousands in damage later. More importantly, it can reduce the possibility of significant damage that could force you from your home.
- The building standard focuses on three areas proven to help homes better withstand severe weather:
- Nail it Down – Stronger connections keep the roof deck on your house
- Lock it in – Reinforced edges protect one of the roof’s most vulnerable areas
- Seal the deck – covering the gaps between roof deck boards prevents rain from entering the home, even if shingles are lost
We Help You Patch Things Up After The Storm
What We Do and The Process Of Mitigation Restoration Estimations
The Initial Assessment Phase
In the initial assessment phase, adjusters often don’t physically inspect the damage. Instead, they task us, the mitigation and restoration estimators, to evaluate the extent of the damage.
I have been an adjuster for 19 years, and in such cases, we become the assigned mitigation/restoration firm for the carrier.
Our role involves handling the initial visit on behalf of the Homeowner. We conduct an initial on-site assessment (if we are the first on the scene) and secure the necessary approvals to proceed with mitigating further damage. Subsequently, we generate the estimate for the Homeowner.
It’s crucial to note that the cause of loss is not covered by the insurance.
Determining the cause of loss involves identifying what broke or triggered the larger issue, and once the cause of loss is established, the homeowner is responsible for covering the associated costs out of pocket. This expense is separate from the deductible, and no mitigation efforts can commence until the cause of loss is repaired.
“Please continue reading this important information to help you, the homeowner or business owner, have a better understanding of the Mitigation Process.”
Call Us, We Can Help
( 804-944-4838 ) or
NC. Tel 252-916-7662
Our Services
Navigating the Insurance Claims Process for House Damage in Virginia: A Comprehensive Guide
“FYI: Many homeowners don’t realize that it is the homeowner’s responsibility to pay your home renovation contractor yourself, not your insurance company.
Your insurance company will issue you or your mortgage company a check for the repairs after your deductible has been paid. The amount may or may not cover the full amount of the contractor’s estimate, but you will have to pay the contractor yourself.”
What to Know
Dealing with damage to your home can be a stressful experience, but having a clear understanding of the insurance claims process in Virginia can make the situation more manageable. This article will guide you through the essential steps, responsibilities, and considerations when filing an insurance claim for house damage in the state of Virginia.
Have questions, give us a call ( 804-944-4838 ) ( 252-916-7662 )
F&M Services Group Q&A
What is a Loss Consultant Contractor and why should I use you and your firm?,
A loss consultant in Virginia is the best way for you to ensure your insurance company is being honest and fair with you when settling the damage to your home or business. We will create a proper initial estimate in the format the Carrier demands and understands. Then, we can complete those repairs. With 27 years of experience, I can tell you that the first inspection does not address all the potential damage. Why? You can’t see behind the walls or under your roof shingles or siding. There are pathways to get these additional repairs covered. Remember, we will work for you and be your advocate to ensure the Carrier does the right thing. As an Adjuster myself, I can communicate with the Carrier in a manner they understand and respect.
Are there additional charges I will owe you using your Loss Consultant and Contractor Services?
No, all you owe is your deductible. A note to remember, the Carrier is going to pay you for what you have, this is a budget, if you wish to purchase items you desire and these items are not in line with the budget, you simply pay the difference. Remember, the Carrier owes you for like, kind, and quality and cannot pay a betterment (meaning, pay you for a more expensive item than what you have simply because you want it).
Will all my damages be covered?
This is very hard to determine, the insurance policy you have at the time of the damage will determine what coverages you have. Your insurance policy has riders and exclusions, it’s extremely valuable to have our firm assist you as a Loss Consultant Contractor in Virginia to ensure the Carrier pays your loss properly. Initially, we will write your loss for all that can be seen to create a baseline estimate, once we start work, we can, if needed, address hidden damages caused by the current damage.
I have an insurance payment from my Carrier, I don't think it covers everything, what should I do next?
Call us now, A loss consultant in Virginia is the best way for you to ensure your Insurance company is being honest and fair with you in settling your Damage to your home or business. We will review your paperwork and create a reinspection. We will create a proper initial estimate in the format the Carrier demands and understands. Then, we can complete those repairs. With 27 years of experience, I can tell you that the first inspection does not address all the potential damage. Why? You can’t see behind the walls or under your roof shingles or siding. There are pathways to get these additional repairs covered.
I have an insurance claim, I have a check, but I don't know what is being paid for, I never received any paperwork, what should I do?
Call us now, A loss consultant in Virginia is the best way for you to ensure your Insurance company is being honest and fair with you in settling your Damage to your home or business. We will acquire that initial paperwork on your behalf , review your paperwork then we can move forward from there.
How do I hire you as a Loss Consultant Contractor?
We will have you sign a work services agreement and create a payment breakdown to address the repairs.
We Have 2 Locations Near You
Chester Location
Located at 12750 Route 1, Suite 315
Chester, Virginia 23831
804-944-4838
Nags Head Location
Located at 2210 South Croatan Hwy, Suite 1041
Nags Head, NC. 27959.
252-916-7662
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Contact F&M Services Group Inc.
A North Carolina and Virginia Licensed Contractor