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"Mr. Jim Clark was my point of contact with Champion; he was courteous, professional and extremely helpful. It was a pleasure doing business with him. The members of all of the crews, water removal/drying, carpet layers and packers were courteous, professional, arrived on time, and completed work in a timely manner. In addition, they were friendly. We are very pleased with Champion's response and work and I will gladly recommend Champion to others. I will express my satisfaction with Champion to USAA." - Water Damage in Fayetteville, GA

"I have never been as impressed with a great group of young men. Very professional, efficient and knowledgeable of their line of work. Considering the age of my crew; they out-performed the middle and older aged men I have worked with in similar job requests. Thank you!!! Big kudos to Colby...loved this kid!!!" - Water Damage in Ellenwood, GA

"The crew was super courteous and professional. They also showed a level of compassion that was an unexpected surprise. They also took the extra step to explain every step." - Water Damage in Jonesboro, GA

"If I hadn't seen the damage beforehand, afterwards I wouldn't have know it had occurred. Great group of people both repairing and managing the crews." - Water Damage in Peachtree City, GA

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FREQUENTLY ASKED QUESTIONS > Insurance Questions > My friend didn't have to pay their deductible, why do I?

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Every once in a while our company is asked if we can “bury” a prospective client’s deductible. We are often told that a previous contractor who completed repairs to the home did the work without collecting the deductible. I have no doubt that such persons are telling the truth, since such occurrences are far from rare. I also have no doubt that the deal these homeowners think they have gotten will cost them more than their deductible in the long run.

Do you ever recall hearing the addage that “if it sounds too good to be true, it probably is”? On many occasions I have visited homes with new damages shortly after repairs had been completed by a contractor who “buried” the homeowners deductible. And I know where they buried it! They buried it in shortcuts they took on the job in an effort to reduce their overall cost. And they buried it just long enough to get out of town or close their business only to reopen with a new name. In their aftermath is a homeowner with new damage and no insurance coverage due to the poor workmanship of a contractor who they thought was doing them a favor. Now the homeowner is left with the task of tracking down the contractor, if possible, to pursue litigation to recover the monies they must now spend to repair their home.

In light of the foregoing, may I humbly offer some suggestions to you if you find yourself vis-a-vis with a contractor willing to “bury your deductible”? First, and foremost, are they a licensed and insured contractor within your state? How long have they been in business in your local area? Can they provide references from other residents in your area for which they have performed work? Have you checked with your insurance company to see if they are familiar with this contractor?

Bottom line: Set your deductible at a level you can comfortably pay in the event of a covered loss. Then, choose a local, reputable contractor to repair your home. They will be there to stand behind their work if a problem arises later.

Last updated on December 20, 2011 by Champion