Heading 3

QUICK INFORMATION GUIDE TO WHY CITY PERMITS ARE VALUABLE TO YOUR HOME & TO KNOW YOUR RIGHTS AS A HOMEOWNER WHEN YOU FILE FOR AN INSURANCE CLAIM:

Why Building Permits Matter

We ensure that all safety procedures are carried out as required by the permits. Furthermore, construction permits ensure compliance with building codes and regulations. These codes are established to safeguard the structural integrity, fire safety, and accessibility of buildings.

A building permit is the official written authorization from the relevant City authority that a construction project may begin. For example, the City of Los Angeles requires a permit for any private property construction and/or alteration and in many cases even for repair work.

The size and complexity of the proposed work dictates how much information a given City will require before a requested permit will be issued. Small, straightforward projects typically require very little details while large, complex projects require fully developed plans to be reviewed and ultimately approved by the relevant authority.

Similarly, the cost for a permit is tied to the overall size of the project as it is based upon a small percentage of the total cost of the project. While some homeowners and/or contractors feel “pulling a permit” causes unnecessary delays to their project as well as increased costs, it is in their best interest to do so.

For instance, obtaining a building permit allows the City to confirm the proposed work to be performed is in conformance with all applicable building codes and standards. As part of that process, City inspectors will periodically visit the project site to ensure that the work is in fact being performed correctly.

For obvious reasons it is much better to discover and correct any construction related errors while work is ongoing rather than after it has been completed and/or covered up.

Additionally, should a homeowner desire to sell his or her home in the future, making sure all work was performed pursuant to a permit ensures the homeowner can maximize the value of their home. Conversely, if it is disclosed to potential buyers that there exists unpermitted work on the property that typically causes the potential buyers to provide significantly lower purchase offers. This is due to the fact that City officials can and often do require the purchaser to bring the un-permitted work commissioned by the previous homeowner “up to code”.

When the prior homeowner does not disclose that there was unpermitted work performed on the property and the new homeowner later discovers it such a scenario often results in expensive litigation that requires the previous homeowner to reimburse the new homeowner for all costs and fees associated with correcting the unpermitted work.

The relatively small amount saved on permit fees is typically eclipsed by the liability imposed on the prior homeowner for not having the work performed the right way the first time around.

It might seem like a lot of legwork to make sure you have the proper permits in place before, during, and after construction. But taking care of the permits right away can save a lot of hassle down the road. Unapproved constructions, or work completed by contractors who don’t have the proper permits, can actually decrease the value of your home.

Not only that, but because your property taxes are generally based on the value of the improvements made to the land, failure to get the appropriate permits can leave you on the hook for unpaid property taxes later on.

So, as you can see, permits can have a big impact on your finances if you ignore them.

For example, if you don’t have an electrical permit on file for any electrical modifications in your home, you couldn’t collect insurance if the cause of a fire is determined to be non-permitted work. Permits help when it’s time to sell a home, since potential homebuyers will want to be sure the appropriate permits exist for any modifications or additions to the home.

Most importantly, building codes and permits are put in place for your health and safety. They set forth minimum requirements for the types and sizes of materials to be used to meet safety standards.

These are all really important reasons why the permitting process works in your favor. If you’re hiring a contractor to build your addition, then ensuring that your builder is working with the necessary permits is a pretty great clue that they’re a legit company doing quality work. Win-win!

If you’re making significant changes to your home, you need to have permits, as well as all the proper building inspections during the process and at the project’s completion. In addition to the traditional building permit, which gives you and/or the contractor the permission to build or add onto the home, each specialty trade, such as HVAC, electrical, or plumbing, has its own permit. Before building a home addition, brush up on the required permits.

If the system seems like a confusing web of applications and inspections, you’re right. That’s why we don’t recommend doing it yourself. Keep in mind that “the one who pulls the permit is responsible for the work.”

That means if you pull the permit yourself, or if your contractor pulls it in your name, then YOU are responsible for the work, even if you didn’t do it. This leaves lots of room for error on the contractor’s part, and some contractors may not accept responsibility for mistakes.

For that reason, you should hire an experienced, locally licensed contractor who does quality work and knows the system. The two keywords here are “experienced” and “local.”

Just as a certified public accountant or a lawyer has to pass an exam and prove their qualifications, a properly licensed contractor has to have certain qualifications to pull a permit. These include having a master technician on the team and meeting selected screening qualifications.

Local means hiring a contractor who works frequently in your municipality. Permit and building requirements vary from town to town.

What Permits Are Required for Residential Additions?

If your house is feeling a bit cramped and you’re looking to expand your home’s footprint, you’re first going to need to get the proper clearance from your local authorities.

You’ll need to make sure you pull the proper building permits for your home addition.

Fortunately, it’s not that hard to get the go-ahead on your dream project. Permitting, above all, helps to ensure safe, legal, city code approval, quality construction—and that the addition rests entirely on your own property. (No squabbling with the neighbors over where your property line ends and theirs begins!).

Zoning

When you’re planning to add on to your home, one of the first things you’re going to need to confirm is zoning for the kind of construction you want. Some cities and municipalities, for instance, will limit the amount of square footage permitted on a single lot. Others may restrict the number of detached buildings allowed on the same parcel of land. And still others will specify that only certain types of constructions are allowed within that zone.

So you should check with your local officials before you even begin construction to make sure your project meets your property’s zoning requirements. You might be required to purchase a zoning license to go ahead with the expansion, which will usually involve additional steps, such as site inspections to ensure that your land’s water, septic, and electrical systems can safely support the new addition.

Plan Review

After you’ve ensured your project meets zoning requirements, you’re going to need to submit a building plan for officials to conduct a plan review. This will generally include a drawing of the proposed addition, as well as details regarding construction. Again, this is all about safety and legality.

Inspectors consider issues such as structure, foundation, and location. They’ll want to ensure there is proper clearance between the new addition and other structures to minimize fire risk. And they’ll also want to ensure the building plan works for the addition’s intended purpose. For instance, an attached bedroom with a half-bath will need to meet different standards than a detached guest house complete with a kitchen, bathrooms, and gas heating.

Post-Construction Inspections

The permitting process doesn’t end once you’ve received clearance to start your project, though. At the very least, your town or municipality will require an inspection to ensure that the work went as planned and according to the required code, health and safety standards. Generally, this is for the safety and well-being of all citizens. .

Why Permitting Matters

So, as you can see, permits can have a big impact on your finances if you ignore them. For example, if you don’t have an electrical permit on file for any electrical modifications in your home, you couldn’t collect insurance if the cause of a fire is determined to be non-permitted work. Permits help when it’s time to sell a home, since potential homebuyers will want to be sure the appropriate permits exist for any modifications or additions to the home.

Most importantly, building codes and permits are put in place for your health and safety. They set forth minimum requirements for the types and sizes of materials to be used to meet safety standards.

Example: Permitting for a Kitchen Remodel

You don’t have to add on to your home or construct an entirely new building on your property to require permits, though. In some cases, even an extensive remodeling project will require permitting.

This is especially true of kitchens and bathrooms, where the renovation may place significant demands on your gas, electrical, water, and/or plumbing systems.

Below are some examples of the kinds of permits that might be required for an extensive kitchen remodel:

Structural: This is necessary if you’re making major modifications that include blowing out walls or building new ones.
Electrical: Even if you’re just moving one plug or installing any new fixtures, you need an electrical permit. If you’re doing an electrical upgrade, make sure you bring everything up to current building code standards.
Plumbing: If you are adding a redesigned laundry room that includes a new location for the sink, you will need a plumbing permit.
Gas permit: If your new stovetop has a gas grill, you will need a gas permit to run a new gas line. If it’s electric, it will fall under the electrical permit.
Local permits: You will need any other permits required by your township or municipality.

Understanding Home Addition Permits

Dealing with paperwork isn’t the most exciting way to spend a weekend. But the permitting process isn’t just a legal requirement—it’s also great protection. Permits will help ensure your cozy new bedroom or inspiring detached artist’s studio is safe, solid, and inviting for years to come!

Remodeling or adding square footage to your home can be an exciting endeavor, promising to enhance your living space and potentially increase your property’s value. However, amid the enthusiasm for your home improvement project, it’s crucial not to overlook a critical aspect: building permits. In this article I delve into the importance of permits for homeowners considering property updates, exploring the reasons for obtaining permits and the key considerations in the permitting process.

Benefit of Obtaining Permits

The first question many homeowners ponder is whether they truly need permits for their remodeling or expansion projects. The answer, in most cases, is a resounding yes. Obtaining permits isn’t just a bureaucratic formality; it’s a legal requirement in many jurisdictions.

Building codes are established to ensure safety, structural integrity, and compliance with zoning regulations. By obtaining permits, homeowners demonstrate their commitment to adhering to these standards, safeguarding their investment and the well-being of their household.

Beyond legal obligations, obtaining permits is essential for several reasons. First, it ensures compliance with building codes, which are updated periodically to reflect advancements in construction practices and safety standards. By adhering to these codes, homeowners can mitigate risks and liabilities associated with substandard construction practices.

Second, obtaining permits provides legal protection. In the event of property damage, personal injury, or disputes with neighbors, having permits in place serves as tangible evidence that the remodeling or expansion was conducted in accordance with established regulations. This can help shield homeowners from potential lawsuits and liability claims.

Moreover, obtaining permits can have implications for insurance coverage. Insurance companies may require proof of permits for home improvement projects, particularly those involving structural alterations or square footage additions. Failing to obtain permits could jeopardize insurance coverage, leaving homeowners vulnerable in the event of accidents or damages.

Finally, permits can positively impact resale value. Prospective buyers are increasingly vigilant about the legality and quality of home improvements. Properties with properly permitted renovations often command higher prices and attract more discerning buyers who value transparency and compliance.

Also, buyers who are financing their purchase will be depending on a home appraisal to justify their purchase price. Non-permitted additions will not be taken into consideration by appraisers, potentially reducing the amount of financing available. This can force buyers to increase their down payment to cover the difference between the offer price and the appraised value. This may reduce the number of purchase offers and thus the final selling price.

Permits for Every Project?

While there are many projects where I would strongly advise you to apply for permits, there may be cases where the cost and effort aren’t worth it. Small home updates that aren’t dealing with structural elements can often be performed by a homeowner or a handy ma’am. Replacing kitchen cabinets or countertops, updating flooring, or installing new fixtures probably don’t warrant the effort to obtain permits.

However, any time you are contemplating any change to the footprint of your home by adding square footage, you should definitely have the work permitted to ensure you’ll receive credit from an appraiser for the addition when you go to sell your home.

Considerations in the Permitting Process

While obtaining permits is essential, navigating the permitting process can be daunting for homeowners. Here are some key considerations to keep in mind:

Research Local Building Codes and Regulations: Before starting your remodeling or expansion project, familiarize yourself with local building codes and zoning regulations. Each jurisdiction may have its own requirements and restrictions governing construction projects, so it’s crucial to understand the rules applicable to your area. Fortunately most cities now offer online permitting systems to make it easier to research and apply for permits.
Understand Permitting Costs and Fees: Permitting fees vary depending on the scope and complexity of the project, as well as local regulations. Budgeting for these costs upfront can help avoid surprises and delays during the permitting process.
Submitting a Complete and Accurate Application: When applying for permits, ensure that your application is complete and accurate. Provide detailed plans, specifications, and other required documentation to expedite the approval process and minimize the risk of rejection or delays.
Timelines and Approval Process: Be aware of the timelines and approval process for permits in your jurisdiction. Some projects may require multiple rounds of review and approval, so it’s essential to factor in sufficient time for the permitting process when planning your project timeline.
Inspections and Compliance Checks: Once permits are obtained, be prepared for inspections and compliance checks throughout the construction process. Building inspectors will verify that the work is being carried out according to approved plans and specifications, so ensure that your contractor is aware of these requirements.
Potential Challenges and Appeals Process: In some cases, permit applications may be denied or subject to conditions that pose challenges for homeowners. Familiarize yourself with the appeals process and options for resolving disputes or addressing objections raised by regulatory authorities.

Conclusion

WE CAN ASSIST YOU IN OBTAINING YOUR PERMITS TO MAKE SURE TO PROTECT YOUR PROPERTY IN THE LONG TERM BASIS.

CALL NOW FOR MORE DETAILS --

NO OBLIGATION NECESSARY TO ANSWER YOUR QUESTIONS CALL TODAY 310-533-5400

TOLL FREE 800-404-1200

Obtaining permits is a crucial step for homeowners considering remodeling or adding square footage to their homes. Beyond meeting legal requirements, permits offer numerous benefits, including ensuring compliance with building codes, providing legal protection, enhancing resale value, and facilitating future inspections and maintenance. While navigating the permitting process may pose challenges, thorough research, careful planning, and adherence to regulatory requirements can help homeowners successfully navigate this critical aspect of home improvement projects.

"Insurance companies to give bonuses to adjusters for lowering claim payouts, but it's considered an unacceptable business practice by many courts

. Insurance companies may use bonuses and other incentives to encourage adjusters to save money, but these practices can lead to bad faith claims and underpayment of policyholders.

Some ways insurance companies may encourage adjusters to save money include:

Partial payments
Adjusters may pay policyholders a portion of their claim now and the remaining amount later.
Claim payment goals
Insurance companies may set arbitrary claim payment goals for adjusters and base promotions and salary increases on whether they reach those goals.

Insurance companies are businesses that aim to maximize profits by minimizing payouts. However, an insurance policy is a contract between two equal parties, and policyholders have the right to be fully reimbursed for claims that meet the terms of their policy

Claim Resolution Regulations

There are state and federal regulations in place for how quickly an insurance company must acknowledge your claim in addition to rules for timely payment.

In California, private insurance companies are required to acknowledge the claim within 15 days. Once a claim has been acknowledged, it must be accepted or denied within 40 days. If a claim has been accepted, the insurer must make a payment within 30 days after a settlement has been reached.

This is only for informational purposes:

(h) Once an insurance company accepts a claim, either fully or partially, they must then immediately pay the accepted amount to the claimant, and in any case, no later than 30 calendar days after acceptance,.....

Upon acceptance of the claim in whole or in part and, when necessary, upon receipt of a properly executed release, every insurer, except as specified in subsection 2695.7(h)(1) and (2) below, shall immediately, but in no event more than thirty (30) calendar days later, tender payment or otherwise take action to perform its claim obligation. The amount of the claim to be tendered is the amount that has been accepted by the insurer as specified in subsection 2695.7(b). In claims where multiple coverage is involved, and where the payee is known, amounts that have been accepted by the insurer shall be paid immediately, but in no event more than thirty (30) calendar days

https://www.law.cornell.edu/regulations/california/10-CCR-2695.7#:~:text=(h)%20Upon%20acceptance%20of%20the,and%20before%20payment%20of%20benefits.

THIS IS ONLY FOR INFORMATION PURPOSES:

LABOR DEPARTMENT REQUIRES ALL LABOR WORKERS REQUIRED TO BE PAID IN STATE OF CALIFORNIA

All Californians are entitled to fair wages for the labor they perform for employers. In this context, labor refers to the services rendered by the employee for an employer. There are a number of different ways in which employees are compensated for the work they do. Some are paid hourly and others work for fixed salary. Some employees such as salespersons work for commissions and others who work on a contract basis may get paid per project. The word "wages" also includes other benefits employees receive as part of their compensation packages such as sick time, vacation pay, room, board, health insurance and so on.

The Right to Wages

Under California laws, every worker is entitled to receive fair wages regardless of their immigration status. Employees may be paid what was agreed to in a contract or they may be paid under the California Labor Code.

Contract wages: Many workers in California accept employment at a wage that is promised to him or her under a contract. This is a binding agreement between the employer and the employee. In most cases, the promise to pay wages assumes the form of a formal written contract. However, an oral agreement is also enforceable when it comes to earned wages.

Wages under labor laws: California's Labor Code sets forth the right for employees to earn wages including minimum wage and overtime wages. It is important to distinguish that while wages are paid to employees, independent contractors receive payments for work performed under a contract. Such compensation is not considered as a "wage." But, when an employee is wrongly classified as an independent contractor, he or she is entitled to be paid the wages that are required under the law.

When Must Wages Be Paid?

California law also imposes requirements regarding when employees should be paid. Most California employees must be paid at least twice a month. Employers must set up regular paydays for their employees and let employees know clearly when they will get paid. Under California law, wages earned between the 1st and 15th day of the month must be paid between the 16th and 26th day of the same month.

Wages earned between the 16th and the last day of the month must be paid between the 1st and the 10th day of the following month. According to California overtime laws, wages for overtime earned during the work period must be paid no later than the regular payday for the next work period. Exempt employees, typically those who work in administrative or supervisory roles, may be paid on a different schedule such as once a month.

When Are Final Wages Due?

When an employee is provided with a final paycheck depends on whether he or she was fired or quit. When an employee is fired, he or she must be paid all wages earned up to and including the date of termination on the day of termination. When an employee quits and gives at least 72 hours notice, they must be paid on their last day. Employees who quit without giving notice must be paid their final notice within 72 hours after their final day of work. The final check must also include the employee's unused vacation time.

THIS IS ONLY FOR INFORMATIONAL PURPOSES:

Insurance Bad Faith in California

California law requires your insurance company to investigate, process, and pay your claim fully, promptly and in good faith and deal fairly with you at all times. CA Ins. Code 790.03, 10 Cal Code of Regs 2695.9. “Bad faith” conduct is “unreasonable” conduct. When you’ve suffered a loss, and an insurance company is being unreasonable in handling the claim you filed for compensation for that loss, they are acting in “bad faith.” The questions for most people who’ve been victimized by bad faith are: What harm did the insurer’s unreasonable conduct cause and is it practical to pursue a lawsuit to remedy the conduct.

California has more laws to protect insurance policyholders than any other state in the country. These laws tell insurers what they must, can and cannot do. These laws are found in court decisions (“case law”), the California Insurance Code and the California Code of Regulations.

There are many laws that tell companies and their representatives how they must behave when insured property is damaged and a policyholder files a claim. Although insurance companies are required to know and abide by these laws, some companies and adjusters routinely ignore or violate these laws when handling claims. It is often up to you – the consumer – to remind them of your rights and insist they meet their obligations to investigate and pay your claim fairly, fully and timely.

If you arm yourself with basic knowledge about the laws that protect you and have a good paper trail on the history of how your claim has been handled, you can speed up your settlement and improve your odds of getting paid what you’re owed. If your efforts to get your insurer to be reasonable are not successful, and you find a qualified attorney to prosecute a lawsuit on your behalf, that lawsuit can state that the insurer breached the covenant of good faith and fair dealing and owes you compensation

At the end of these tips, we tell you how to get free copies of the laws that protect homeowners in California. Your insurer was supposed to give them to you 15 days or less after you filed your claim. (CA. Ins. Code sec. 790.034 (b)) Just in case they didn’t, here’s a review of the ones that may help you settle and get back home. There are many more laws than the ones we list here:

For specifics on claim rules, deadlines and what you’re owed, you’ll want to know about California’s Fair Claim Handling Regulations. They spell out:

Deadlines for responding to letters and phone calls
Deadlines for your insurer to pay or deny
Deadlines for submitting paperwork to prove your loss
What information your insurance company must give you
What information you must give your insurance company

“GOOD FAITH”

You are legally entitled to be treated in “good faith” by your insurance company and its representatives at all times. This means your insurer must be considerate of your needs. It must communicate fully and honestly with you about the policy it sold you and about rights and duties relating to your claim. In turn, you are legally obligated to be honest and to cooperate with reasonable requests for information relevant to your claim. Cal. Insurance Code sec. 790.03 (h) is the main place to read these requirements. They’re also included in portions of Cal. Insurance Code sec. 2071.

All representatives of your insurance company are legally required to tell you the truth. This includes in-person conversations and all communication by phone, letters, emails and all advertising and printed materials. This means they must be honest about what they sell you, what you’ve paid for, and what you’re entitled to if you file a claim. An insurer “shall not cause to be issued, circulated or used, any statement that is known, or should be known, to be a misrepresentation” of the benefits or privileges of the policy or future dividends payable under the policy. [Cal Ins Code 780] No insurer shall misrepresent to a “claimant pertinent facts or insurance policy provisions relating to any coverages at issue”. [Cal Ins Code 790.03(h)(1)]

No insurer shall discriminate in its claim settlement practices because of a claimant’s age, race, gender, income, religion, language, sexual orientation, ancestry, national origin, physical disability, or upon the territory of the property or person insured. [Cal Code of Regs 2695.7]

You are entitled to a “good faith” settlement. Every insurer must attempt “in good faith to effectuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear”. [Cal Ins Code 790.03 (h)(5)] An insurer cannot make an “unreasonably low” offer, that is, attempting to settle a claim “for less than the amount to which a reasonable person would have believed he or she was entitled by reference to written or printed advertising material accompanying or made part of the application”. [Cal Ins Code 790.03]

Your insurer must conduct a reasonable investigation on its own and consider all evidence you have submitted (such as your inventory lists, photographs, blueprints, independent scopes of loss, repair estimates, and appraisals on antiques, art or jewelry) in making the settlement offer. [Cal Code of Regulations 2695.7 and 2695.9] Depreciation/Actual Cash Value holdbacks must be reasonable and not excessive.

PROMPT, HONEST & COMPLETE COMMUNICATIONS

You are entitled to prompt, timely communications from your insurer. The company (and all its representatives) must respond to your communications “immediately, but in no event more than 15 calendar days” with “a complete response based on the facts then known.” Any question you ask, and any request you make must be responded to by the insurer within 15 calendar days.

You should get in the habit of sending your insurer letters or emails, so there is a record of who said what and when. That doesn’t mean you should stop talking to your adjuster, but if you discuss something important on the phone, immediately follow up with an email confirming the conversation. If you request copies of your current policy and policy history, including previous policies, policy upgrades, notices of changes, etc. (something UP highly recommends you request in writing); your insurer must respond to your request within 15 calendar days. [Cal Code of Regs 2695]

Your insurer must tell you about all deadlines that apply to your claim and the fact that there is a deadline for filing a lawsuit against them. [ Cal Ins. Code 2071 and Cal Code of Regs 2695.7] Once that deadline passes you lose the right to sue them, even if they have handled your claim in violation of the law. That deadline is called a “statute of limitations” and its purpose is to provide finality and keep things moving forward. There is one deadline for suing an insurance agent and a different one for suing an insurance company, but to find out exactly what yours is – you’ll need to consult with an attorney before the one-year anniversary of your loss. Why? Because in the state of California it’s tricky. There’s something called “tolling”. Your deadline is “tolled” (postponed) while your claim is still being processed, but once they deny it – the clock starts again. An insurer cannot mislead you about this but it’s a common source of confusion. [Cal. Ins. Code 790.03]

FAIR CLAIMS PROCESS

You do not have to use the exact forms provided by your insurer to do your contents list. A legible list with approximate values and ages of each item must be accepted by your insurer. An insurer cannot ask for unreasonable “proofs of loss” or secondary proofs. For example, if you provide photographs or video of items in your home, you cannot then be compelled to provide receipts as well if they contain essentially the same information. [Cal. Ins. Code 790.03]

You have a right to receive a copy of certain claim-related documents contained in your file. An insurer shall “notify every claimant that they may obtain, upon request, copies of claim-related documents…” including construction estimates, photographs and the documentation backing up their estimates and “all other valuation”. This includes information about how your contents and construction estimates may have been depreciated. [See “Requirements in case loss occurs” in Cal Ins Code 2071.][1] The only thing you are not entitled to receive is attorney-client privileged communications and their attorney’s work. This means valuations, photographs, measurements, adjustor notes and reports, contents depreciation schedules, construction depreciation schedules, materials estimates, etc. are all part of your claims process, and you are entitled to receive complete copies of these so you can review them.

COOPERATIVE INVESTIGATION

Keep in mind, the insurer has a responsibility to gather as much information as needed to fulfill their end of the claims process and you have a responsibility to cooperate in their investigation. You do not have a responsibility to cooperate with unreasonable requests for information or harassing tactics, but you are obligated to answer claim-related questions about your loss. If you’re asked to do a telephone interview after you’ve already given a recorded statement, you may ask for written questions to be sent to you so you can answer them in writing. United Policyholders publishes separate tips on Examinations Under Oath. Visit www.uphelp.org and search for that term, if you are asked to sit for an Examination Under Oath.

ADDITIONAL/TEMPORARY LIVING EXPENSES/LOSS OF USE

If your insurer threatens to cut off or terminates payments for your temporary housing expenses before you’re able to move back into a safe and habitable home, that may be unreasonable conduct/bad faith. If your insurer won’t pay for housing of a comparable size/quality to what you lost, that also may qualify as bad faith.

ADJUSTING AND PAYING YOUR DWELLING CLAIM

No lowballing: An insurer may not offer or force you to accept a settlement offer that is “unreasonably low”. Your insurer owes you the amount that will restore the damaged property to no less than its condition before the loss, in a manner of good workmanship and industry standards, and the rebuilding costs are accurate and representative of the costs in the local market area up to policy limits, including all extended coverages, endorsements, etc. An insurer cannot substitute cheaper materials or workmanship in estimating or having your home rebuilt. For example, an adjuster cannot put down laminate counters if you had marble, shave off ten feet from the length of a room, or estimate for single-paned windows when you had double-paned windows. [Cal Code of Regs 2695.9]

Independent estimates: If the scope of loss, repair or replacement estimates prepared by the insurer seems unreasonably low, you have the right to get an independent reconstruction estimate (preferably from a forensic construction company with experience in estimating re-building, rather than new construction, as disaster-loss sites have their own set of issues, etc.) and submit it to the insurance company. (The estimate may be reimbursed under your policy as a claim-related expense, so check.) What happens next? Your insurer can 1) pay the difference between their estimate and yours; 2) at your request, recommend a contractor who can rebuild your home in the same materials and workmanship to return it to a “pre-loss condition” for the insurance company’s price, or 3) the insurer can “reasonably adjust” your contractor’s estimate. [Cal Code of Regs 2695.9]

Settling on the replacement cost of your original home and using those funds to buy elsewhere: CA. Ins. Code 2051.5(c) allows a total loss claimant to use replacement cost funds to rebuild elsewhere, or buy a replacement home instead of rebuilding. Because it is a fairly new law, your adjuster/insurer may not be aware of it and there may be disagreements and confusion. If you want to use this option, we strongly recommend that you get an independent estimate to document the cost to replace the home you had – even though you don’t want to replace it at the old location. Once you agree upon the amount owed, you can then use that amount to buy a replacement home instead of rebuilding.

New construction and disaster re-construction costs in many areas are often much higher than the purchase price of another home in the area. Additionally, homes in other areas, even other states, are often less expensive, so it may make economic sense to purchase a replacement home, rather than rebuild.

CONTRACTORS

Your insurer cannot require you to have your property repaired or rebuilt by a specific contractor or repair firm. Only if you expressly request referrals can an insurer provide them and they must inform you in writing that you have the right to choose a repair individual or entity. If you choose the one recommended by the insurer, the individual or entity must restore your damaged property back to its pre-loss condition in a manner of good workmanship, acceptable trade standards and at no additional cost to the claimant than stated in the policy or allowed by California law. [Cal Code of Regs 2695.9]

FAIR DEPRECIATION

An insurer can only apply depreciation to things that normally wear out. They cannot reduce your benefits by depreciating things that would normally not be replaced over the useful life of the property such as framing, the foundation and the expense of labor to repair your property. You have the right to know how the depreciation was calculated, what it was based upon, and how they reached their settlement amounts. [Cal Ins Code 2071 and Cal Code of Regs 2695.9]

RULE OF THUMB

If your insurer refuses to make a payment you believe you are entitled to, ask them to show you where in your policy it states you are not entitled to it. Also, if your insurer quotes some strange reason for depreciation (such as the California community fence “rule”), ask them to provide you with a written copy of the law. Any type of depreciation or rejection of any part of your claim must be backed up by the insurer with verifiable dollar-valued documentation, not just because they said so. Ask for that documentation. Sometimes insurance companies assert policy provisions or claim rules that are illegal and cannot be enforced.

EXAMINATION UNDER OATH

If you are asked to provide an “Examination Under Oath”, an insurer may only ask you questions that are “relevant” to processing your claim. You are entitled to a copy of the transcript and tape (if recorded) and have the right to clarify or rectify the answers you gave under oath. You may also ask for the questions they are going to ask in advance, however your insurance company is not legally obligated to give them to you. [Cal Ins. Code 2071]

COMPLAINTS, ATTORNEYS & LITIGATION

An insurer cannot retaliate against you for making complaint to the California Department of Insurance, threaten or withhold payments until the complaint is withdrawn, nor can they threaten or intimidate you to try to keep you from making a complaint. [Cal Code of Regs 2695.7] An insurer cannot directly advise you against obtaining the services of an attorney. It is against the law for your insurer to unreasonably deny a claim, which in turn forces you to have to sue to recover benefits owed. [Cal Ins Code 790.03]

HOW TO GET COPIES OF LAWS AND REGULATIONS:

1) Request them from your insurance company. They are required by law to give them to you upon request, OR;

2) Read them online or print them out by going to www.insurance.ca.gov. To find them, go to the “Insurers” section, “Legal Information”, OR;

3) Go to www.uphelp.org. Enter “Fair Claims” or “790.03”in search box.

4) Email info@uphelp.org if you can’t find them

REFERENCES: California Insurance Code, Section 790, 2051.5, 2071, California Code of Regulations, Title 26, Section 2695.

Timeline of Important Deadlines Under California Fair Claims Settlement Practices Regulations

CALIFORNIA DEPARTMENT OF INSURANCE

HOMEOWNER CAN -> CALL 1-800-927-4357

Insurers Overview

The Insurance market in California is one of the largest in the world; valued at well over $123 billion. The California Department of Insurance regulates this industry to protect consumers and help maintain an economically healthy marketplace. This industry section provides access to producer licensing information, financial compliance, legal issues, market conduct and other information.

Over View of Insurer Programs and Resources

Producer License Status Inquiry

You may verify the status and discipline history of an agent, broker, adjuster, bail agent, business entity or another licensee by selecting Check a License. Input a license number or name to retrieve the license status and discipline history of that licensee. Select the available links on the license record to review additional license details.

Important Note: The Check a License online service requires the use of Microsoft Edge, Google Chrome, Safari or Firefox browser. Frequently use the Check a License online service? You may save the new Check a License link in your browser favorites.

Workers' Compensation Coverage Inquiry

Employer Workers' Compensation Coverage may be verified on the Workmans' Compensation Insurance Review Board (WCIRB) Website.

THIS WEBSITE LINK IS FOR ANY HOMEOWNER FOR ANY REASON OF DELAYS OR NOT PAYING REASONABLY TOWARDS THE CLAIM BY THE INSURANCE COMPANY visit -> https://cdiapps.insurance.ca.gov/CP/my-complaints/

Independent estimates:

If the scope of loss, repair or replacement estimates prepared by the insurer seems unreasonably low, you have the right to get an independent reconstruction estimate (preferably from a forensic construction company with experience in estimating re-building, rather than new construction, as disaster-loss sites have their own set of issues, etc.) and submit it to the insurance company. (The estimate may be reimbursed under your policy as a claim-related expense, so check.) What happens next? Your insurer can 1) pay the difference between their estimate and yours; 2) at your request, recommend a contractor who can rebuild your home in the same materials and workmanship to return it to a “pre-loss condition” for the insurance company’s price, or 3) the insurer can “reasonably adjust” your contractor’s estimate. [Cal Code of Regs 2695.9]

A Guide to Your Insurance Legal Rights in California California has more laws to protect insurance policyholders than any other state in the country. These laws tell insurers what they must, can and cannot do. There are laws made by judges and legislators in Sacramento called “case laws” and “statutes” or “code provisions”. There are laws called “regulations” that are written by the state Department of Insurance. But a law is a law regardless of fancy labels. There are many laws that tell companies and their representatives how they must behave when insured property is damaged and a claim is led. Many people, including claim adjusters are not aware of these laws. Some companies and adjusters routinely break these laws when handling claims – knowingly and unknowingly. This is particularly true when it comes to California’s “Fair Claim Settlement Practices Regulations. Many claim adjusters and even company executives have no idea that these regulations exist – let alone what they say. If you arm yourself with some basic knowledge about the laws that protect you, you can speed up your settlement and improve your odds of getting paid what you’re owed. At the end of these tips, we tell you how to get free copies of the laws that protect homeowners in California. Your insurer was supposed to give them to you 15 days after you led your claim. (CA. Ins. Code sec. 790.034 (b)) Just in case they didn’t, here’s a review of the ones that may help you settle and get back home. There are many more laws than the ones we list here. The most important law to remember is that your insurance company has the legal duty to investigate, process, and pay your claim fully, promptly and in good faith and deal with you fairly at all times. For specifics on claim rules, deadlines and what you’re owed, you’ll want to know about California’s Fair Claim Handling Regulations. They spell out: •Deadlines for responding to letters and phone calls •Deadlines for your insurer to pay or deny •Deadlines for submitting paperwork to prove your loss •What information your insurance company must give you •What information you must give your insurance company “GOOD FAITH” 2/8 https://www.uphelp.org/library/resource/guide-your-insurance-legal-rights1/31/2020 A Guide to Your Insurance Legal Rights in California | United Policyholders You are legally entitled to be treated in “good faith” by your insurance company and its representatives at all times. This means your insurer must be considerate of your needs. It must communicate fully and honestly with you about the policy it sold you and about rights and duties relating to your claim. In turn, you are legally obligated to be honest and to cooperate with reasonable requests for information relevant to your claim. Cal. Insurance Code sec. 790.03 is the main place to read these requirements. They’re also included in portions of Cal. Insurance Code sec. 2071. All representatives of your insurance company are legally required to tell you the truth. This includes in-person conversations and all communication by phone, letters, emails and all advertising and printed materials. This means they must be honest about what they sell you, what you’ve paid for and what you’re entitled to if you let a claim. An insurer “shall not cause to be issued, circulated or used, any statement that is known, or should be known, to be a misrepresentation” of the benefits or privileges of the policy or future dividends payable under the policy. [Cal Ins Code 780] No insurer shall misrepresent to a “claimant pertinent facts or insurance policy provisions relating to any coverages at issue”. [Cal Ins Code 790.03] No insurer shall discriminate in its claim settlement practices on the basis of a claimant’s age, race, gender, income, religion, language, sexual orientation, ancestry, national origin, physical disability or upon the territory of the property or person insured. [Cal Code of Regs 2695.7] You are entitled to a “good faith” settlement. Every insurer must attempt “in good faith to a actuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear”. An insurer cannot make an “unreasonably low” o er, that is, attempting to settle a claim “for less than the amount to which a reasonable person would have believed he or she was entitled by reference to written or printed advertising material accompanying or made part of the application”. [Cal Ins Code 790.02] Your insurer must conduct a reasonable investigation on its own and take into account all evidence you have submitted (such as your inventory lists, photographs, blueprints, independent scopes of loss, repair estimates, and appraisals on antiques, art or jewelry) in making the settlement o er. [Cal Code of Regulations 2695.7 and 2695.9] Depreciation/Actual Cash Value holdbacks must be reasonable and not excessive. PROMPT, HONEST & COMPLETE COMMUNICATIONS You are entitled to prompt, timely communications from your insurer. The company (and all its representatives) must respond to your communications within “15 calendar days” with “a complete response based on the facts then known.” Any question you ask, and any request you make must be responded to by the insurer within 15 calendar days. You must get in the habit of sending your insurer letters or emails, so there is a record of who said what and when. That doesn’t mean you should stop talking to your adjuster. If you request copies of your current policy and policy history, including previous policies, policy upgrades, notices of 3/8 https://www.uphelp.org/library/resource/guide-your-insurance-legal-rights1/31/2020 A Guide to Your Insurance Legal Rights in California | United Policyholders changes, etc. (something UP highly recommends you request in writing), your insurer must respond to your request within 15 calendar days. [Cal Code of Regs 2695] Your insurer must tell you about all deadlines that apply to your claim and the fact that there is a deadline for filing a lawsuit against them. [Ins. Code 2071 and Cal Code of Regs 2695.7] Once that deadline passes you lose the right to sue them, even if they have broken the law and cheated you. That deadline is called a “statute of limitations” and its purpose is to provide and keep things moving forward. There is one deadline for suing an insurance agent and a different one for suing an insurance company, but to find out exactly what yours is – you’ll need to consult with an attorney before the one-year anniversary of your loss. Why? Because in the state of California it’s tricky. There’s something called “tolling”. Your deadline is “tolled” (postponed) as long as your claim is still being processed but once they deny it – the clock starts again. An insurer cannot mislead you about this but it’s a common source of confusion. [Cal. Ins. Code 790.03] FAIR CLAIMS PROCESS Unless specified in your policy, you do not have to use the exact forms provided by your insurer to do your contents list. A neat (hopefully, typed) list with replacement prices should work. An insurer cannot ask for unreasonable “proofs of loss” such as secondary proofs. For example, if you provide photographs or video of items in your home, you cannot then be compelled to provide receipts as well if they contain essentially the same information. [Cal. Ins. Code 790.03] You have a right to receive a copy of every claim-related document in your le (see CDI bulletin (http://uphelp.org/sites/default/ les/publications/claimrelateddocumentsnotice.pdf)). An insurer shall “notify every claimant that they may obtain, upon request, copies of claim-related documents…” including construction estimates, photographs and the documentation backing up their estimates and “all other valuation”. This means how your contents and construction estimates may have been depreciated. [See “Requirements in case loss occurs” in Cal Ins Code 2071. (http://uphelp.org/sites/default/ les/publications/california_insurance_code_2071.pdf)] The only thing you are not entitled to receive is attorney-client privileged communications and their attorney work. This means valuations, photographs, measurements, adjustor notes and reports, contents depreciation schedules, construction depreciation schedules, materials estimates, etc. are all part of your claims process, and you are entitled to receive complete copies of these so you can review them.

COOPERATIVE INVESTIGATION Keep in mind, the insurer has a responsibility to gather as much information as needed to ful ll their end of the claims process and you have a responsibility to cooperate in their investigation. You do not have a responsibility to cooperate with unreasonable requests for information or harassing tactics. If you are asked to do a telephone interview, you are not compelled by California law to do so. However, you are obligated to answer claim-related questions about your loss. 4/8 https://www.uphelp.org/library/resource/guide-your-insurance-legal-rights1/31/2020 A Guide to Your Insurance Legal Rights in California | United Policyholders Instead of doing a telephone interview, you may ask for written questions from the insurer’s investigator to be sent to you and to answer them in writing. United Policyholders publishes separate tips on Examinations Under Oath. Visit http://www.uphelp.org (http://www.uphelp.org) and search for that term.

ADDITIONAL LIVING EXPENSES In claims where the cause is declared a “disaster” by the State, insurers must offer at least 24 months worth of ALE (Additional Living Expenses) benefits, up to policy limits. [Cal Ins. Code 2051] Your insurer must give you, (upon request) a list of items normally classified as reimbursable ALE expenses. [Cal Ins. Code 2060] Typically ALE is paid via an advance to get you situated after the shock of the loss, then on an “as incurred” basis as you submit receipts and document expenses. ADJUSTING AND PAYING YOUR DWELLING CLAIM No lowballing: An insurer may not offer or force you to accept a settlement offer that is “unreasonably low”. Your insurer owes you the amount that will restore the damaged property to no less than its condition before the loss, in a manner of good workmanship and industry standards, and the rebuilding costs are accurate and representative of the costs in the local market area up to policy limits, including all extended coverages, endorsements, etc. An insurer cannot substitute cheaper materials or workmanship in estimating or having your home rebuilt. For example, an adjuster cannot put down laminate counters if you had marble, or shave o ten feet from the length of a room, or put in for single-pane windows when you had double-pane. [Cal Code of Regs 2695.9] Independent estimates: If the scope of loss, repair or replacement estimates prepared by the insurer seems unreasonably low, you have the right to get an independent reconstruction estimate (preferably from a forensic construction company with experience in estimating re-building, rather than new construction, as disaster-loss sites have their own set of issues, including water vaporization, etc.) and submit it to the insurance company. (The estimate may be reimbursed under your policy as a claim-related expense, so check.) What happens next? Your insurer can 1) pay the difference between their estimate and yours; 2) hire a contractor to rebuild your home in the same materials and workmanship to return it to a “pre-loss condition” or 3) the insurer can adjust the settlement amount to a more reasonable price. [Cal Code of Regs 2695.9] Settling on the replacement cost of your original home and using those funds to buy elsewhere: CA. Ins. Code 2051.5(c) allows a total loss claimant to use replacement cost funds to buy elsewhere instead of rebuilding. Because it is a new law, your adjuster/insurer may not be aware of it and there may be disagreements and confusion. If you want to use this option we strongly recommend that you get an independent scope of loss and estimates to replace the home you had – even 5/8 https://www.uphelp.org/library/resource/guide-your-insurance-legal-rights1/31/2020 A Guide to Your Insurance Legal Rights in California | United Policyholders though you don’t want to replace it at the old location, then use that information to reach an agreement on how much insurance money you can use to buy a replacement home instead of rebuilding. New construction and disaster re-construction costs in many areas are higher than the purchase price of another, comparable home in the area. So, you may want to seriously weigh whether you want to take a settlement that gives you enough to purchase another existing house, or a lump sum equal to rebuilding your home. CONTRACTORS You cannot be compelled by an insurer to have your property repaired or rebuilt by a specific individual or entity. Only if you expressly request referrals can an insurer provide them and the insurer must inform you in writing that you have the right to choose a repair individual or entity. If you choose the one recommended by the insurer, the individual or entity must restore your damaged property back to its pre-loss condition in a manner of good workmanship, acceptable trade standards and at no additional cost to the claimant than stated in the policy or allowed by California law. [Cal Code of Regs 2695.9] FAIR DEPRECIATION An insurer cannot reduce your benefits by depreciating things that would normally not be replaced over the useful life of the property such as framing, the foundation and the expense of labor to repair your property. You have the right to know how your insurer calculated depreciation was calculated and how they calculated their settlement o er [Cal Ins Code 2071 and Cal Code of Regs 2695.9] RULE OF THUMB If your insurer refuses to make a payment you believe you are entitled to, ask them to show you where in your policy it states you are not entitled to it. Also, if your insurer quotes some strange reason for depreciation (such as the California community fence “rule”), ask them to provide you with a written copy of the law. Any type of depreciation or plain rejection of a part of your claim must be backed up by the insurer with verifiable dollar-valued documentation, not just because they said so. Ask for that documentation. Sometimes the law “trumps” (overrides) your insurance company. Sometimes policy provisions or claim rules they are trying to impose on you are illegal and cannot be enforced by them. So don’t take “no” for an answer unless you’re sure they’re right. 6/8 https://www.uphelp.org/library/resource/guide-your-insurance-legal-rights1/31/2020 A Guide to Your Insurance Legal Rights in California | United Policyholders EXAMINATION UNDER OATH If you are asked to provide an “Examination Under Oath”, an insurer may only ask you questions that are “relevant” to processing your claim. You are entitled to a copy of the transcript and tape (if recorded) and have the right to clarify or rectify the answers you gave under oath. You may also ask for the questions they are going to ask in advance, however your insurance company is not legally obligated to give them to you. [Cal Ins. Code 2071] COMPLAINTS, ATTORNEYS & LITIGATION An insurer cannot retaliate against you for making complaint to the California Department of Insurance or withhold payments until the complaint is withdrawn or threaten or intimidate you to keep you from making a complaint. [Cal Code of Regs 2695.7] An insurer cannot directly advise you against obtaining the services of an attorney. It is against the law for your insurer to unreasonably deny a claim, which in turn forces you to have to sue to recover the benefits owed. [Cal Ins Code 790.03]

chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://disasterlegalservicesca.org/wp-content/uploads/2023/02/A-Guide-to-Your-Insurance-Legal-Rights-in-California-_-United-Policyholders.pdf

Insurance Regulations Prohibit an Insurer From Just Standing By Its Repair Estimate When An Insured’s Estimate Demonstrates the Cost to Repair Is More – Another California Practice Tip

Sep 21, 2019 By Victor Jacobellis

California

Tags: Consumer Protection, Regulation

In California, the moment an insured obtains a repair estimate that exceeds the insurer’s estimate, the insurer must either pay the difference or adjust its original estimate. This rule is set forth in the Fair Claims Settlement Practices Act, 10 Cal. Code Regs. § 2695.9(d). Generally, whenever anyone makes an insurance claim, the insurance company will create a scope of work to repair the damaged property and an estimate of what that cost to repair is. The insurer’s estimate does not atomically mean that is the amount of the claim. An insured has the right to get his or her own estimate and the insurer is required to consider that estimate.

The Fair Claims Settlement Practices Act states:

If the claimant subsequently contends, based upon a written estimate which he or she obtains, that necessary repairs will exceed the written estimate prepared by or for the insurer, the insurer shall:

(1) pay the difference between its written estimate and a higher estimate obtained by the claimant; or,

(2) if requested by the claimant, promptly provide the claimant with the name of at least one repair individual or entity that will make the repairs for the amount of the written estimate. The insurer shall cause the damaged property to be restored to no less than its condition prior to the loss and which will allow for repairs in a manner which meets accepted trade standards for good and workmanlike construction at no additional cost to the claimant other than as stated in the policy or as otherwise allowed by these regulations; or,

(3) reasonably adjust any written estimates prepared by the repair individual or entity of the insured’s choice and provide a copy of the adjusted estimate to the claimant.

The insurer has three options: (1) pay the insured’s estimate; (2) negotiate with the insured to rectify the insurer’s and the insured’s estimate or (3) provide a vendor that will make repairs for the amount of the insurer’s estimate. It is important to note that if the insurer recommends a vendor to perform the repairs, it essentially must guaranty that vendor’s work. Thus, the insurance company will undertake an obligation above and beyond its original policy duties.

Whenever an insurer prepares its own estimate there are additional rules imposed on the insurer:

The insurer shall supply the claimant with a copy of each document upon which the settlement is based.
The estimate prepared by or for the insurer shall be in accordance with applicable policy provisions, of an amount which will restore the damaged property to no less than its condition prior to the loss
The estimate must allow for repairs to be made in a manner which meets accepted trade standards for good and workmanlike construction.

It is important to remember all these insurer’s obligations when adjusting a clam. If an insurer does not comply with any of these duties, it should immediately be brought to the insurer’s attention. When bringing a Fair Claims Settlement Practices Act violation to an insurer’s attention, always make sure to state the regulation number. This immediately puts the insurer on notice of their bad faith behavior.

Phone

Insurance Regulations Prohibit an Insurer From Just Standing By Its Repair Estimate When An Insured’s Estimate Demonstrates the Cost to Repair Is More – Another California Practice Tip

Sep 21, 2019 By Victor Jacobellis

California

Tags: Consumer Protection, Regulation

The Fair Claims Settlement Practices Act states:

If the claimant subsequently contends, based upon a written estimate which he or she obtains, that necessary repairs will exceed the written estimate prepared by or for the insurer, the insurer shall:

(1) pay the difference between its written estimate and a higher estimate obtained by the claimant; or,

(2) if requested by the claimant, promptly provide the claimant with the name of at least one repair individual or entity that will make the repairs for the amount of the written estimate. The insurer shall cause the damaged property to be restored to no less than its condition prior to the loss and which will allow for repairs in a manner which meets accepted trade standards for good and workmanlike construction at no additional cost to the claimant other than as stated in the policy or as otherwise allowed by these regulations; or,

(3) reasonably adjust any written estimates prepared by the repair individual or entity of the insured’s choice and provide a copy of the adjusted estimate to the claimant.

Whenever an insurer prepares its own estimate there are additional rules imposed on the insurer:

The insurer shall supply the claimant with a copy of each document upon which the settlement is based.
The estimate prepared by or for the insurer shall be in accordance with applicable policy provisions, of an amount which will restore the damaged property to no less than its condition prior to the loss
The estimate must allow for repairs to be made in a manner which meets accepted trade standards for good and workmanlike construction.

AM I RESPONSIBLE IF THE CONTRACTOR DOESN’T PULL PERMITS FOR MY PROJECT? Plan to pay for unpulled permits

Permits are usually included in a contractors bid.

If there are no permits pulled, the homeowner is responsible.
Proper permits are necessary when selling or insuring your home.

If your contractor just wrapped up a renovation project at your house and you find out that it was done without a permit, you are responsible for footing the bill. The good news is that you can file for a permit after the work is complete. Here’s a breakdown of what to do and how to remediate the situation.

What to Do if My Contractor Didn’t Get a Building Permit

Most reputable contractors include the price of permits in their bids. However, not all contractors pull permits. If your contractor didn’t get a building permit before starting construction on your home, you’re responsible for securing a permit after the fact.

For any permit pulled after the work is done, you’ll face a fine that doubles what would have been your initial cost, had the contractor pulled it before construction started. You should contact your local building and planning commission as soon as possible and explain your situation.

What to Do if the Project Is Complete

The building and planning commission will schedule an inspection to see what work your contractor completed. The inspector will only approve modifications that they can visibly see. If the project is more complex, then a visual inspection may not be sufficient. In some cases, you may even need to undo parts of the construction if it does not meet building safety standards.

The inspector must also ensure that your home meets local building codes. The inspector may ask you to provide information about the company that did the work, so they can check in and certify with the contractor what work was done. If your contractor is unresponsive, you might need to call in a reputable structural engineer near you who can evaluate the project and share any findings with the commission.

What to Do if the Project Is Ongoing

If there’s still ongoing work for your addition, you should pull those permits before the contractor completes any more work. You can have the permits checked off by the inspector for compliance as the contractor completes the project.

Do I Need permits?

What Happens if I Don’t Get the Proper Permits

Unpermitted work can potentially result in a few unfavorable scenarios that may affect the ability to sell or insure your home in the future.

Selling Your Home

If you don’t pull the proper permits, your house likely won’t pass inspection if you try to sell it. Even if you don’t intend to sell your home in the near future, it’s important to understand the consequences of unpermitted work. If you sell your home without the proper permits, the new owner could sue you for misrepresenting the property.

Insurance Complications

If you have to modify your homeowners insurance policy or change insurance companies, your insurance company could ask you for a Certificate of Occupancy. If the certificate doesn’t show structural changes that have been made, the insurance company can decline to cover the home because it is not code-compliant.

Safety Risks

There are also safety considerations to keep in mind when it comes to having work done without a permit. If your contractor did any electrical work or added any gas connections, those could represent potential fire hazards. This is why it’s important to work with a reputable contractor near you who can be relied upon to get the right permits ahead of time and ensure that the construction project is completed with every safety measure accounted for.

WHAT PERMITS DO HOMEOWNERS NEED FOR HOME ADDITIONS?

If you’re building a home addition, you’ll need the proper permits before you begin

If your house is feeling a bit too close for comfort, you might consider building a new addition onto the old homestead. But expanding the family digs is about more than lumber, nails, and sweat equity. You’re also going to need the proper permits.

The type of permitting you’ll need, though, will depend on several factors, including your location and the kind of project you have in mind. And that means that the costs to secure the necessary building permits will vary widely

Why Building Permits Matter

For obvious reasons it is much better to discover and correct any construction related errors while work is ongoing rather than after it has been completed and/or covered up.

The relatively small amount saved on permit fees is typically eclipsed by the liability imposed on the prior homeowner for not having the work performed the right way the first time around.

So, as you can see, permits can have a big impact on your finances if you ignore them.

Most importantly, building codes and permits are put in place for your health and safety. They set forth minimum requirements for the types and sizes of materials to be used to meet safety standards.

For that reason, you should hire an experienced, locally licensed contractor who does quality work and knows the system. The two keywords here are “experienced” and “local.”

Local means hiring a contractor who works frequently in your municipality. Permit and building requirements vary from town to town.

What Permits Are Required for Residential Additions?

If your house is feeling a bit cramped and you’re looking to expand your home’s footprint, you’re first going to need to get the proper clearance from your local authorities.

You’ll need to make sure you pull the proper building permits for your home addition.

Zoning

Plan Review

Post-Construction Inspections

Why Permitting Matters

Most importantly, building codes and permits are put in place for your health and safety. They set forth minimum requirements for the types and sizes of materials to be used to meet safety standards.

Example: Permitting for a Kitchen Remodel

You don’t have to add on to your home or construct an entirely new building on your property to require permits, though. In some cases, even an extensive remodeling project will require permitting.

This is especially true of kitchens and bathrooms, where the renovation may place significant demands on your gas, electrical, water, and/or plumbing systems.

Below are some examples of the kinds of permits that might be required for an extensive kitchen remodel:

Structural: This is necessary if you’re making major modifications that include blowing out walls or building new ones.
Electrical: Even if you’re just moving one plug or installing any new fixtures, you need an electrical permit. If you’re doing an electrical upgrade, make sure you bring everything up to current building code standards.
Plumbing: If you are adding a redesigned laundry room that includes a new location for the sink, you will need a plumbing permit.
Gas permit: If your new stovetop has a gas grill, you will need a gas permit to run a new gas line. If it’s electric, it will fall under the electrical permit.
Local permits: You will need any other permits required by your township or municipality.

Understanding Home Addition Permits

Benefit of Obtaining Permits

Permits for Every Project?

Considerations in the Permitting Process

While obtaining permits is essential, navigating the permitting process can be daunting for homeowners. Here are some key considerations to keep in mind:

Research Local Building Codes and Regulations: Before starting your remodeling or expansion project, familiarize yourself with local building codes and zoning regulations. Each jurisdiction may have its own requirements and restrictions governing construction projects, so it’s crucial to understand the rules applicable to your area. Fortunately most cities now offer online permitting systems to make it easier to research and apply for permits.
Understand Permitting Costs and Fees: Permitting fees vary depending on the scope and complexity of the project, as well as local regulations. Budgeting for these costs upfront can help avoid surprises and delays during the permitting process.
Submitting a Complete and Accurate Application: When applying for permits, ensure that your application is complete and accurate. Provide detailed plans, specifications, and other required documentation to expedite the approval process and minimize the risk of rejection or delays.
Timelines and Approval Process: Be aware of the timelines and approval process for permits in your jurisdiction. Some projects may require multiple rounds of review and approval, so it’s essential to factor in sufficient time for the permitting process when planning your project timeline.
Inspections and Compliance Checks: Once permits are obtained, be prepared for inspections and compliance checks throughout the construction process. Building inspectors will verify that the work is being carried out according to approved plans and specifications, so ensure that your contractor is aware of these requirements.
Potential Challenges and Appeals Process: In some cases, permit applications may be denied or subject to conditions that pose challenges for homeowners. Familiarize yourself with the appeals process and options for resolving disputes or addressing objections raised by regulatory authorities.

Conclusion

WE CAN ASSIST YOU IN OBTAINING YOUR PERMITS TO MAKE SURE TO PROTECT YOUR PROPERTY IN THE LONG TERM BASIS.

CALL NOW FOR MORE DETAILS --

NO OBLIGATION NECESSARY TO ANSWER YOUR QUESTIONS CALL TODAY 310-533-5400

TOLL FREE 800-404-1200

Leak Detection: 6 Top Causes of Water Leaks in Your Home

Inconvenience is only a part of the issues water leaks cause in a home; the frustrations and significant damage to the home are what no one would wish for. It gets worse because the majority of the pipework in the home is even behind the walls or under the ground, far from the very eyes.

However, it could get better if you can know what to look out for around your home in terms of water leaks as this act put you on a preventive mode. Below are some top causes of water leaks in your home.

Extreme Temperature Changes

Sudden temperature changes happen to be one of the most common causes of water leaks in homes. These changes, most times, cause a pipe to either expand or contract. Unfortunately, the expansion or contraction of the pipe will cause cracking, and then leaking starts.

Damaged Pipe Joints

While the pipes are designed to withstand pressure, they can't do this forever. The joints of these pipes happen to be a place subjected to wears and tears at some point. When this happens, it leads to leaks around your home. Unfortunately, most pipe joints are hidden. However, if you can hear the strange noise when the hot water is turned on, then you should know something's up.

Tree Roots

By tree roots, we mean the roots of the trees planted outside the house. While these trees are great for the environment, the trees' root can cause water leaks in your home as they sometimes intrude on the water lines.

Blocked or Clogged Lines

Another common cause of water leaks in your home is blocked or clogged lines. When something is obstructing the free flow of water in the pipes, chances are if left unchecked for a long time, it will cause severe water damage and leaks in the house. So, keeping the gutters clean is paramount to having clog-free lines.

Broken Seals

Installed around all the water connectors, seals are meant to keep water trapped inside appliances that use water. However, wears and tears set in at some point, especially when these appliances are getting old. This causes seals to get broken, causing puddles and water leaks in the home.

Corrosion

As mentioned earlier, the pipes, although can withstand pressure, cannot last forever. The fact is, as the pipes and the whole plumbing system get older, the chances of rust and corrosion set in high. Rust and corrosion can easily eat away at the pipes causing water leaks around the home.

There you go! Above are some of the top causes of water leaks in our various homes. Water leaks can be frustrating and uneasy to deal with. However, the knowledge of the above causes can help put you on a bit on a safe side.

For your water leak detection, contact us today at Leak Detection And Water Damage Near Me. We offer quality workmanship, prompt services, and outstanding customer experience. Our techniques are completely safe and non-damaging. Our experts will inspect your plumbing system and other areas in your home for leaks and perform adequate and prompt repairs. We guarantee you quality and excellent services.

Hiring a Local Leak Detection Company

Water Leakage Problems

Plumbing leaks cause huge amount of property damage every year. A sudden burst of a hot water tank, leaks in piping, faucet leaks, corroded pipes, damaged plumbing are some reasons that can cause water leaks followed by water damage. As a property owner you will always want your home and property to remain safe.

Ignoring signs of water damage can not only cause you huge expenses and future inconvenience, but also health hazards such as mold, mildew and bacteria. Floorings, ceiling, walls can all show signs of water damage and need immediate repairs. Water damage can even affect your property’s foundation and weaken the walls.

To protect your home, water leak detection is important. If you ever suspect a leak or any signs of water damage, be quick to contact a professional leak detection and water damage restoration company to avoid huge expenses.

Prompt and Professional Service

Even if you spot a wet patch on your wall, it won’t be easy for you to find out the source of the leak. The cutting-edge technology use by leak detection companies can find out the source of the leak easily and quickly. These companies have resources such as specialized video camera equipment for detecting leaks in pipes and drains. They can determine the exact location of breaks, obstructions or whatever the problem may be. Identifying small problems on time can prevent bigger problems and expensive repairs later on.

Local leak detection services provide prompt service which is generally required in a water leak situation. They have skilled professionals who are trained to administer quality workmanship. Their knowledge and experience, enables them to take care of any kind of leak. By detecting a leak early on you will also be able to avoid the mildew and mold which follow leaks.

Easy and Hassle free

Look for leak detection services near me that are certified, experienced and deliver services that are affordable, professional and reliable. It is important that they are well equipped with modern techniques which are minimally invasive, so that your property is not damaged. The staff should work in a professional way and make sure to keep your property clean after finishing the leak.

When you look for a company, hire the one which can provide all kinds of water leak detection services and plumbing solutions, as you don’t know what you are dealing with. Many kinds of water leaks like pipe bursts are sudden, so they should have the facility of prompt service.

Once the problem is evaluated, ask for an estimate to avoid surprises after the job is complete. A Professional leak detection and water damage company can solve your plumbing problems and water induced damages in an easy and hassle-free way.

If you suspect a water leak or damage to your property, act quickly! You can get in touch with Leak Detection and Water Damage near Me. They are a licensed and insured mitigation company that administers leak detection and water damage repair and restoration services throughout the California area.

Why is it Necessary to Hire a Professional for Water Damage Restoration?

Prevent Costly Repairs

A tiny crack in a pipe, concealed inside a wall or floor can cause a lot of damage. Some other reasons for water damage are over flowing toilets or sinks, faulty pipe connections, a broken washing machine hose and more. Flooding and leaking roofs are some of the main reasons for water damage in many homes. Water damage from these leaks can cause harm such as carpet damage, flooring damage, wet walls, plywood furniture damage and more.

Water damage from sanitary sources has lots of contaminants and can be highly unhygienic causing health problems. Water can penetrate and moisture can cause mold and mildew. Your property and possessions can get severely damaged if you don’t act fast and contact prompt leak detection and damage restoration company. Even a one delay can increase your restoration expenses manifold.

In simple words, the more you wait the more damage the leak will cause.

Professional Restoration Solutions

If there is a lot of water leaking or flooding, it can cause extensive damage. Professional water damage restoration services have specialized equipment like high-capacity pumps, vacuums for extracting water and more. Their special drying equipment to dry carpets and other furniture and furnishing makes their job easy and perfect. Dehumidifiers, air filters, deodorizing equipment are all an important part of experienced and reliable water damage restoration companies.

Trying to do the job yourself can cause more damage and also it will be difficult for you to clean and disinfect your place. The knowledge and training of experts can get your property back to their original state. Water damage can cause dangerous short circuits and flooded water can cause damage to the foundation and structure of your property. So, it is always better to leave the repairs and restoration to the professionals to avoid accidents.

Thorough Repairs

Sometimes the main water line which is usually underground can develop cracks. It is not possible to get access to these water lines without digging. If you ever notice signs such as water in your street or yard, puddles or wet spots in your house, sudden increase in water bills, water sounds or odor, immediately look online for water damage restoration near me. You will not be able to handle water main leak repair on your own.

A storm or a broken pipe can cause a leak in your ceiling, which can disfigure and impair your property. The water can seep rapidly, ruining walls, electrical equipment and more. A full-service restoration company can repair a water damage ceiling as they have experienced staff, with right equipment, resources and training.

Look for a restoration company that can handle plumbing situations at even inconvenient times. The company should be licensed and reliable to not only save your property from further damage but also restore it to its original state at an affordable cost. The service should be such that does not only provide a cosmetic fix, but work to prevent future problems.

You must not wait for leaks or floods to damage your property and belongings, contact Leak Detection and Water Damage near Me. They are a trusted and experienced water leak detection and damage restoration company.

Why Water Leak Detection is a major concern?

Water Leak Detection has always been a major concern if you do not fix it at the right time. This will not only impair the furniture of the house but also add extra cost to repair and renew it. Moreover, various companies have gained proficiency in providing Local Leak Detection Services that will support every household and corporates in preventing them from causing extensive damage to your property and belongings. As a result, you can look for a professional company that can provide high-end excellent services in dealing with water main leak repair, water damaged ceiling repair, and others with the state-of-the-art technology and innovative solutions. They would employ outstanding equipment and tools in fixing the leak and detecting the damaged corners through quick and efficient services.

Unnecessarily increase the electricity bill

Just as nothing comes in free, water also got few charges in the electricity bill. So, when you ignore even the tiniest scratch or hole with the pipes, it may cost you more when the water gets wasted. By connecting with the expert and technically resonant company, they would surely ease the task. For instance, they would come to your place and precisely inspect the damage and simultaneously fix the pores and holes tightly so that you do not face the same problem again. However, ensure that Leak Detection service providers are certified and licensed and possess long years of experience with water restoration and leak detection services.

Cost of ignorance is always high

Prevention is always better and safe than cure. But, if you ignore and do not pay attention, you may face trouble. Therefore, maintain cleanliness in your place and regularly check all the connections with the water supply pipes so that you may get an early alert. This will prevent the contamination of the property and also add security and protection to your employees as well as family members. Apart from this, do not wait for applying DIY tips, instead, hire professional Water Leak Detection Company to get relaxation and peace of mind. With their attention to detail, you won’t face trouble again and enjoy an easy-going life without worrying over frequent water leakage problems.

Delay in repair leads to neighbouring damage

One of the obvious reasons why your electricity bill is so high is that you try to delay the repair. However, it leads to unavoidable consequences for the business organization as well as for homeowners. Also, your delay or ignore may cause trouble to the other buildings and complexes located in your neighbourhoods. Therefore, you must search online for Leak Detection Services Near Me and save their contact in your diary so that you can make an emergency call as quickly as possible without involving any search cost. They would help you with affordable and personalized services until you feel satisfied with their performance. As a result, contact them and get an estimate of their professional services.

So, did you notice any leakage? Call immediately to Leak Detection and Water Damage near me. They will quickly land to your place and offer 100% customer satisfaction services.

Water Damage: 6 Signs Your Water Heater Is About to Burst

Just like any other appliances or units in the home, your water heater will fail at some point, majorly due to the reason of damage or wear and tear after some years of usage. Even with regular maintenance, these things happen after some time. However, the good news is your water heater will show signs when it’s failing or about to burst. Below are some of the signs you’d notice when your water heater is about to burst.

Brown Rusty Water

Water is meant to be odorless, colorless, and transparent. The moment you see otherwise, or water that is brown coming out of your unit, then something is wrong. Most times, it means there’s rust somewhere. If you see a sign like this, your water heater is failing and might burst soon.

Dripping Water

Drips of water or leaks around your water heater are also a bad sign as a properly functioning water heater is not meant to be leaking or dripping. So, signs like these points to a failure and an impending burst of the water heater.

Rotten Egg Smell

Since it’s odorless, any strange smell perceived around your water heater might not be a good sign. Especially when this smell is like that of a rotten egg, it means there’s a gas leak inside that could ignite very soon. Therefore, if you smell gas around your heater, turn it off and call a plumber to have a look.

Popping and knocking Noise

Strange noise like popping and knocking is another sign that your water heater is failing. When water-sediment builds up at the bottom of a heating tank, it soon forces the burner to run longer to heat the water, causing more heat inside the tank. Then it gets noisy as a result of the water trapped under the sediment getting heated.

Leaking Pressure Relief Valve

A pressure relief valve is a type of safety valve used to control or limit the pressure in the water heater system; when there’s a problem like leaking with this valve or worn out valve, then control is not possible. Hence, the build up of too much heat or pressure, which then causes the heater to explode or burst.

Burn Marks

Burn marks around the bottom of your water heater are actually an indication that something is wrong with your water heater. Most times, these marks are a result of improper venting, blocked, or damaged flue pipes. When you see these marks, know that it’s unsafe to continue using your water heater as it may burst soon.

There you have it! For taking hot showers, cleaning, sanitizing, and so on, a water heater happens to be such an essential appliance in all homes. It’s so important you take care of your unit, and the above tips will help you do just that!

Is your water heater damaged or broken? Call us today at Leak Detection And Water Damage Near Me for professional water damage repair services. We provide quality, affordable, reliable, and prompt water damage restoration services. An amazing experience awaits you.

5 YEAR LIMITED WARRANTY

ON WORKMANSHIP

CALL NOW FOR MORE DETAILS

TOLL FREE 1-800-404-1200

LOCAL 310-533-5400

https://codelibrary.amlegal.com/codes/los_angeles/latest/lamc/0-0-0-121390

SEC. 16.03. RESTORATION OF DAMAGED OR DESTROYED BUILDINGS.

Legal publisher offering ordinance codification services for local governments, specializing in providing codes of ordinances in print and on the Internet

codelibrary.amlegal.com

SEC. 16.03. RESTORATION OF DAMAGED OR DESTROYED BUILDINGS.

1. Any portion of the building or structure is damaged by earthquake, wind, flood, fire, or other disaster, in such a manner that the structural strength or stability of the building or structure is appreciably less than it was before the catastrophe and is less than the minimum requirements of this Code for a new building or structure of similar structure, purpose or location, as determined by the Department of Building and Safety;

https://codelibrary.amlegal.com/codes/los_angeles/latest/lamc/0-0-0-121456

SEC. 16.04. CRITICAL RESPONSE FACILITIES.

Legal publisher offering ordinance codification services for local governments, specializing in providing codes of ordinances in print and on the Internet

codelibrary.amlegal.com

SEC. 16.04. CRITICAL RESPONSE FACILITIES.

(Amended by Ord. No. 173,268, Eff. 7/1/00, Oper. 7/1/00.)

A. Authority of the Department of Building and Safety. Notwithstanding any other provision of this Code to the contrary, the Department of Building and Safety shall, during the first six months following the declaration of an emergency, have the authority to issue a temporary permit for the duration of the emergency, on any lot, regardless of zone, for any police, fire, emergency medical or emergency communications facility which will aid in the immediate restoration of an area adversely impacted by a severe fire, storm, earthquake, similar natural disaster, or a civil or military disturbance, and declared by the Governor as an emergency area, provided that the department shall maintain records of all temporary permits.

SEC. 16.04.1. SHORT-TERM TEMPORARY USES.

(Amended by Ord. No. 173,268, Eff. 7/1/00, Oper. 7/1/00.)

A. Authority of the Department of Building and Safety. Notwithstanding any other provision of this Code to the contrary, the Department of Building and Safety shall, during the first six months following the declaration of an emergency, have the authority to issue a temporary 90-day permit on any lot, regardless of zone, for any temporary use which will aid in the immediate restoration of an area adversely impacted by a severe fire, storm, earthquake, similar natural disaster, or a civil or military disturbance, and declared by the Governor as an emergency area, provided that the department shall maintain records of all temporary permits.

Legal disclaimer note: Mitigation, Inc does not determine coverage, nor does it make any decisions on coverage whatsoever. Moreover, coverage is only determined by the Insurance Companies Independent Decisions. Mitigation, Inc does not make any determination, nor any promises on coverage, nor any guarantees on coverage.

Visit-> Violin & Cello Scenic Relaxation 4K

Emergency Water Damage Mitigation Company Leak Detection Services. Plumbing Pros offers a comprehensive set of plumbing services to repair, maintain, and facilitate all of your plumbing needs. Don't waste time with your handyman, or risk further damages by doing the repairs yourself. Call a Licensed Professional Plumbing team located in the South Bay area. We specialize in getting the plumbing job done right the first time to save you time so you can invest more of your daily operations. Emergency plumbing repairs, our plumbing experts can help your emergency plumbing requests. We can handle all types of plumbing maintenance, repairs, rain water clean up, mold clean up, water extraction, and water damage restoration

Molds grow in places where moisture is present. If there is a leaking pipe in your house, whether it is big or small, it will still attract molds. If these molds are not attended to right away, they could grow very fast. All the molds will need is 24 hours to reproduce. Within 36 hours, they have already doubled in size or more. Molds are a health hazard especially to people who have sensitive skin and respiratory problems. Unsafe Water

If the leaks are under the ground, there is a tendency that the water going through that pipe will be contaminated. This will cause more problems for your family’s health as well. You will not have clean water going through the pipes. However, with an immediate pipe repair from us, you do not have to worry about this anymore. Leak Detection South Bay Area Rolling Hills, Rancho Palos Verdes, Palos Verdes, Torrance, Hermosa Beach, Culver City, Carson, Lomita, San Pedro, Manhattan Beach, Redondo Beach Ca-

Emergency Leak Detection Full Services
Emergency Plumbing Inspection
Pipe Repairs
Plumbing Inspections
Water Leak Repairs
Water heater installations
Broken Pipe Repairs
Re pipe
Plumber Leak Detection
Slab Leak Repairs
Plumbing Installation & Repair
Leak Detection Services
Leak Detection Near Me
Pipe Repairs
Emergency Water Damage Restoration
Boiler installations
Drain Repair & Replacement
Drain unclogging
Garbage Disposal
Hydro Jetting
Toilet Repair
Kitchen pipe repairs
Sink repairs
Faucet repairs
Drain cleaning
Sewer cleaning
Sump pump backups
Sump pump problems
Leak Detection Repairs
Insurance Water Damage
Emergency WATER RAIN CLEAN UP
Emergency Water Leak Detection
Emergency Water Damage Repair
Emergency Rain Water Clean Up
CALL NOW FOR MORE DETAILS 310-533-5400

LICENSED, INSURED & BONDED

5 Year Limited Warranty

Plumber in San Pedro, Ca Emergency Leak Detection Services Plumbing Pros offers a comprehensive set of plumbing services to repair, maintain, and facilitate all of your plumbing needs. Don't waste time with your handyman, or risk further damages by doing the repairs yourself. Call a Licensed Professional Plumbing team located in the South Bay area. We specialize in getting the plumbing job done right the first time to save you time so you can invest more of your daily operations. Emergency plumbing repairs, our plumbing experts can help your emergency plumbing requests. We can handle all types of plumbing maintenance, repairs, rain water clean up, mold clean up, water extraction, and water damage restoration:

310-533-5400

Full.Water.Damage.Restoration.Leak.Detection.Company.Mitigation.310.533.5400._.leak.detect

WATER.DAMAGE.RESTORATION.MANHATTAN.BEACH.CITY.SOUTH.BAY.LEAK.DETECTION.WATER.DAMAGE.RESTOR

Phone

water damage in Rancho Palos Verdes, leak detection in Playa Del Rey

CALL NOW
310-533-5400

WE NEVER CLOSE
WE ARE
OPEN 24 HOURS

Most Trusted General Contractor✔️

Original Mitigation Since 1977✔️
General License Contractor On All Job Sites✔️
We Initiate Hygienist Testing On All Job Sites✔️
We Handle All The Paperwork For You✔️
We Submit All Job Sites For City Permitted, City Inspected, & City PASSED SATISFACTORILY According To City Code✔️
We Protect Your Resell Property✔️

We Are The Original Mitigation Company✔️
MITIGATION PATENT/TRADEMARK#2558363✔️
We PASS Workmanship For FINAL CITY Inspection Passed✔️ We PASS FINAL CITY INSPECTION According To City Code✔️
While Other Competitors Failed -We Win For You✔️
Imitators Cannot Keep Up With City New Codes - We Can✔️
We Work SMART & Win For You!✔️
Additional Emergency Full Plumbing Repairs ✔️
Plumbing Hydro jetting ✔️
Plumbing Drain Cleaning✔️
Leak Detection Services ✔️
Water Damage Clean Up ✔️
Water Removal✔️
Emergency Flood Service✔️
Emergency Mold Removal✔️
Plumbing REPIPE✔️
Video Camera Inspection Sewer✔️
Drain Cleaning✔️
Residential Construction & Plumbing✔️
Commercial Construction & Plumbing✔️
Drywall Repairs✔️
PAINTING ✔️
Flooring ✔️
Emergency EMS✔️
Faucet Repairs✔️
Bathroom Remodeling✔️
Kitchen Remodeling✔️
Deck Repairs✔️
ADU Permitted✔️
Cabinetry✔️
Painting✔️
Plumbing Fixtures✔️
Sinks Replacement✔️
Garage Conversion✔️
Mold Abatement/Mold Removal✔️
Leak Repairs✔️
Additions Remodeling✔️
Plumbing Pipe Burst Repairs✔️
Open 24/7 We Never Close✔️
Workmanship Includes 5 Year Limited Warranty✔️

.leak.detection.in.torrance.water.damage.in.torrance.construction.leak.detection.in.torran

MOST TRUSTED EMERGENCY WATER DAMAGE RESTORATION FAMILY COMPANY SINCE 1977

IN SOUTHERN CALIFORNIA SERVING LEAK DETECTION PLUMBING WATER DAMAGE RESTORATION IN RANCHO PALOS VERDES CALIFORNIA USA, WATER DAMAGE RESTORATION COMPANY IN SOUTHERN CALIFORNIA, WATER DAMAGE RESTORATION SERVICES IN TORRANCE, RANCHO PALOS VERDES, ROLLING HILLS, REDONDO BEACH, MANHATTAN BEACH, PALOS VERDES ESTATES, ROLLING HILLS ESTATES, & SOUTH BAY BEACH CITIES CALIFORNIA

MOST REPUTABLE PLUMBING LEAK DETECTION IN TORRANCE, RANCHO PALOS VERDES, ROLLING HILLS, REDONDO BEACH, PALOS VERDES ESTATES, & SOUTH BAY AREA CA

YOU TRIED THE REST, NOW TRY THE BEST IN SOUTHERN CALIFORNIA

WE ARE A FAMILY COMPANY SERVING ALL SOUTHERN CALIFORNIA RESIDENTIALS AND COMMERCIAL CLIENTS SINCE 1977

Let our experts handle all plumbing repairs, mold removal, general construction, and cleanup jobs! We remain the go-to contractor for homeowners, property managers, and residents all over our community and the surrounding areas. We offer various specialized services, including plumbing repairs, water damage repairs, mold removal, fire damage, leak detection, and much more. Our water damage services are well-detailed, transparent, highly affordable, and carried out promptly. No matter the constraints and complexities involved, our team of experts will get the job done excellently. We have all the experience that it takes to deliver exceptional services. Our company is a reputable contractor that is known to offer highly reliable, excellent, and customer-oriented water damage restoration services. We guarantee 100% satisfaction. What distinguishes us from any other company is that we use highly sophisticated techniques and specialized resources.CALL NOW 310-533-5400

water.damage.restoration.rancho.palos.ve

310-533-5400

A 5 YEAR LIMITED WARRANTY

Certain Restrictions Apply =- CALL NOW FOR MORE DETAILS

310-533-5400

mitigation.water.damage.restoration.rancho.palos.verdes.rolling.hills.estates.torrance.ca.

MOST TRUSTED EMERGENCY LEAK DETECTION IN SOUTH BAY AREA CA USA SINCE 1977
CALL NOW 310-533-5400

WE ARE LICENSED, INSURED, & BONDED

CALL NOW FOR MORE INFORMATION
310-533-5400
YOU TRIED THE REST, NOW TRY THE BEST....

5 YEAR LIMITED WARRANTY WORMANSHIP

CALL NOW
EMERGENCY LEAK DETECTION IN TORRANCE, CA USA ^& SOUTH BAY AREA PLUMBING JOB, WE WILL FIX IT.
1-800-404-1200
ALL WORKMANSHIP
5 YEAR LIMITED WARRANTY

GET A FREE QUOTE!

MOST REPUTABLE CONSTRUCTION, LEAK DETECTION IN TORRANCE, CA,

PLUMBERS, MOLD REMOVAL, DRYWALL REPAIRS, FLOORING REPAIRS, ELECTRICAL, ROOFING, PAINTING, RECONSRUCTION, ADU's,

ADDITIONS, RESIDENTIAL REMODELING, COMMERCIAL REMODELING SINCE 1977

CALL NOW FOR MORE INFORMATION

310-533-5400

Welcome To Leak Detection Mcdonalds Restoration Subdivision of Mitigation Inc The Original Mitigation Emergency Services Southern California Beach Cities. We Are The Original MItigation Trademark, Patent 2558363 Mitigation & Leak Detection Mcdonalds Restoration Subdivision of Mitigation Your Most Trusted South Bay Beach California Beach Cities Area Since 1977 One Stop Emergency Full Water Damage Restoration Services, Construction, Leak Detection, Disaster Restoration, Plumbing, Re Pipe, Hygienist Testing & Clearance, Mold Removal, Fire And Smoke Damage Restoration, Flood Damage Restoration, ADU, Residential Remodeling, Commercial Remodeling, Decks, Flooring, Cabinetry, Exterior Remodel, Interior Remodeling, Architecture Plans, Electrical, Bathroom Remodeling, New Construction Residential, EV Car Chargers Residential, 240 Volt Outlet, Tile Remodeling, Tiler Flooring, Mold Abatement, Commercial Property Restoration, Demolition, Dry Out, Fire Damage Restoration, Slab Repair, Stucco Repair

REPUTABLE EMERGENCY LEAK DETECTION IN TORRANCE CALIFORNIA USA & OUR WATER DAMAGE RESTORATION PLUMBING SERVICES SINCE 1977

Construction

Leak Detection Plumbing

Electrical

Painting

Maintenance

Emergency Construction Since 1977 - Your One Stop For All Your Construction Services...

Most Reputable Emergency Plumbing Repairs That Gets The Job Done Right .

Emergency Electrical Services Done Safely & Right Beginning To End....

Excellent Painting Services For Any Project Residential Or Commercial...

Maintenance is crucial for your sphere of business - just show us the project and we get it done right...

Services

About

ALL WORKMANSHIP 5 YEAR LIMITED WARRANTY

MOST TRUSTED LEAK DETECTION IN TORRANCE CALIFORNIA

CALL NOW
310-533-5400
1-800-404-1200

Welcome To Leak Detection Mcdonalds Restoration Most Trusted LEAK DETECTION IN TORRANCE CA USA & Subdivision of Mitigation The Original Mitigation Emergency Services Southern California Beach Cities. We Are The Original Mitigation Trademark, Patent 2558363 Mitigation & Leak Detection Your Most Trusted South Bay Beach California Beach Cities Area One Stop Emergency Full Water Damage Restoration Services, Construction, Leak Detection, Disaster Restoration, Plumbing, Re Pipe, Hygienist Testing & Clearance, Mold Removal, Fire And Smoke Damage Restoration, Flood Damage Restoration, ADU, Residential Remodeling, Commercial Remodeling, Decks, Flooring, Cabinetry, Exterior Remodel, Interior Remodeling, Architecture Plans, Electrical, Bathroom Remodeling, New Construction Residential, EV Car Chargers Residential, 240 Volt Outlet, Tile Remodeling, Tiler Flooring, Mold Abatement, Commercial Property Restoration, Demolition, Dry Out, Fire Damage Restoration, Slab Repair, Stucco Repairs, Drywall Repairs, Roof Replacement, Re Staining Front Doors, Re Staining Cabinets, Kitchen Cabinets, Residential Interior Painting & Interior Painting, Cabinet Painting, Apartment Painting, Commercial Painting, HOA Management Painting, & Full Reputable Reconstruction Of Your Residential or Commercial Property, All Of Our Work is guaranteed with a 5 Year Limited Warranty, We Do The Job Right Where Others Failed, We Succeeded, And We Won, In Making Sure Your Property Is Returned, To Pre-Disaster Condition, Like It Never Happened, Let Our Experts Service Your Emergency Needs, We Are The Most Trusted Emergency Water Damage Full Restoration Services In Southern California Beach Cities Such As Rolling Hills, Rancho Palos Verdes, Redondo Beach, Manhattan Beach, Playa Del Rey, Rolling Hills Estates, Palos Verdes Peninsula, Palos Verdes Estates, Malaga Cove Palos Verdes Estates Area, Hermosa Beach, Lomita, Carson, Culver City, Lawndale, Gardena, Hawthorne, Playa Del Rey, Marina Del Rey, Torrance, Your Most Reputable Leak Detection in Torrance Ca USA & Much More Where You Can Enjoy More Of Your Time In What You Treasure, And Value While We Get To Work For You, And, Let There Be Peace So We Can Help You Achieve Your Goals, Call Now 310-533-5400, For More Information, Your One Stop Full Emergency Construction Services Leak Detection in Torrance Ca & South Bay Area Ca - Yes, You Tried The Rest, Now Try The Best, Yes, That Is Correct, This Is What I Said, You Tried The Rest, Now Try The Best, Call NOW Toll Free 800-404-1200 For More Details,310-533-5400

No Obligation - Just Call Now For More Information & Let Us Answer Your Questions With Ease

Water DamagLeak Detection Mcdonalds Restoration Subdivision of Mitigation Inc The Original Mitigation Emergency Services Southern California Beach Cities. We Are The Original MItigation Trademark, Patent 2558363 Mitigation & Leak Detection Mcdonalds Restoration Subdivision of Mitigation Your Most Trusted South Bay Beach California Beach Cities Area Since 1977 One Stop Emergency Full Water Damage Restoration Services, Construction, Leak Detection, Disaster Restoration, Plumbing, Re Pipe, Hygienist Testing & Clearance, Mold Removal, Fire And Smoke Damage Restoration, Flood Damage Restoration, ADU, Residential Remodeling, Commercial Remodeling, Decks, Flooring, Cabinetry, Exterior Remodel, Interior Remodeling, Architecture Plans, Electrical, Bathroom Remodeling, New Construction Residential, EV Car Chargers Residential, 240 Volt Outlet, Tile Remodeling, Tiler Flooring, Mold Abatement, Commercial Property Restoration, Demolition, Dry Out, Fire Damage Restoration, Slab Repair, Stucco Repair

HAPPY CUSTOMERS

Travis is very knowledgeable about what it takes to eradicate mold in a structure and the steps to take to keep it from returning. He communicates in a way that I could understand with a genuine concern for a resolution to the problem. I highly recommend his services no matter what the problem, I believe he will be able to help you as well or better than other companies out there.

- Laurie R, Hermosa Beach, CA

We were very pleased with Travis and his team. They were fast, respectful, and very clean. We had water damage from leaks in our piping and they acted immediately to start drying out the drywall and assess the damage. I really liked working with one company who handled all aspects of the project - water damage/drying, plumbing repairs, reconstruction, painting, etc. and billed insurance directly. I would definitely consider using them for general home construction projects - they know what they are doing and do quality work..

- Carla L, Redondo Beach Ca