Straight to the Source

When you have a question, it’s always good to go straight to the source, for example if you want to know who let the dogs out, it’s best to ask the Baha Men. For us at McCabe Construction, that means going to some of our valued agents to ask what would be the best advice a homeowner needs to know when it comes to insuring their home.

We are lucky to get to work with not only extremely talented and hard-working agents, but ones who take time out of their day to chat with us about their clients and how they think would help them in the process of insuring their home, as well as the mistakes that they may unintentionally make.

Firstly,

When choosing homeowners insurance, what should you look for? 

“Be careful to understand the policy you are purchasing. They are NOT all alike. And no one wants to find out at claim time that they didn’t realize something wasn’t covered, or didn’t have enough coverage. Make sure to review your coverage’s often with your agent. Like once every year or every other! You get what you pay for and is not always about premium. It doesn’t matter until is matters!” – Alisha Dumas (State Farm, Germantown)

“It doesn’t matter until it matters!”- Alisha Dumas

What to expect in the event of a claim

“Contact your agent immediately and they will advise of what steps to take.”- Alisha Dumas

More often than not, we find that people who just call the 800 number on their policy and make a claim from the get-go, sometimes didn’t need to make a claim,  from the damage cost being under or just above their deductible. It’s important that you remember why you have an agent in your town that can help look at what is going on and make suggestions to make the process run as smoothly as possible as well as keep an unnecessary claim off your record.

What to expect from the contractor, your agent, and what you are responsible for:

“As the homeowner make sure that you do any temporary repairs and any necessary actions to prevent further damages, and contact your agent immediately. Your agent will help you file the claim and answer any questions you may have.” -Alisha Dumas

“Having a local agent has its benefits, especially when it comes to handling claims.  The input that is received from a trusted contractor and an agent can help the customer make a sound decision on whether to find a claim or not or help to determine if the situation is even claim worthy.  I see far too many customers with unnecessary losses on their loss history reports because they called the 800 number with a question and it was listed as a loss even though they later decided not to file a claim.  Also, no one wins when claims are filed that are below or close to the deductible”- Kevin White (State Farm, East Memphis)

Mr. White makes an excellent point, being that having a local agent is pointless if you don’t reach out to them when you need them. They are equipped to help you make the right steps in the event of a disaster, whether that means avoiding making an unnecessary claim, or helping you choose the right contractor for the job.

We may not know where Cotton- Eyed Joe came from, or where he went, but we were able to uncover some useful information in the world of homeowners insurance. Thank you so much to the agents that helped provide wisdom for this piece!

Why We Don’t Advertise

“Hello?”

“Hello, may I speak to the person in charge of marketing and advertising please?”

“Speaking.”

“Would you be interested in placing an ad for your business in our (insert published work here)?”

This is a typical phone conversation I have from time, and I always respectfully decline. Here’s why.

McCabe Construction markets relationships. There is something that face to face interaction can do for our industry that a sign or truck decal cannot. For us, trust from our clients is the biggest part of our mission statement, and nothing can help build that high level of trust like being there for our clients in person. There is a huge trust factor when agents put their client and their client’s home in our hands, and that is why trust and integrity is so important. That level of trust isn’t built by a billboard.

We also know that in this industry, we are a reflection of our clients, insurance agents and adjusters. No one sits and talks about their insurance at the dinner table unless an incident happens and they have to file a claim. We are fully aware that there are no bad insurance agents, but there are bad contractors. A good contractor can make the whole claims process much easier and that whole experience reflects on our clients. Being behind the scenes and helping the relationship between the agents and their clients is what we are here to do. The attention is meant to be off of us, and onto our clients.

And that, my friends, is why we work exceptionally hard to create relationships rather than advertise on a truck or sign. The attention isn’t meant to be on us- rather it is meant to be on our agents.

What sets us apart?

I could go on about excellent customer service, finishing a job right, quality work, all of the things people expect or should expect out of a contractor. Instead, I will compose a not-so-humble brag on why we believe we have set ourselves apart.

The massive underlying factor to greatness is passion. It is hard to talk about hoping for a hail storm or a flood, because what comes across as hoping for disaster is actually hoping for the opportunity to help people, and getting the opportunity to help make a tough situation as easy and as worry free as possible. That is the ultimate goal, and what we would call a successful project. Especially when making an insurance claim can be a confusing/stressful process, it helps to have a contractor who knows exactly how the process works, as all of our team members have an insurance background., but more importantly, a contractor who truly cares, and it shows.

Honesty. Being a person you call upon because you trust us is a huge priority for us.We know that when your client files a claim, the experience does not reflect on us, but rather the insurance agent. We are extremely conscious of that, and we make sure that everything we do from start to finish is top-notch quality.

We take what we do very seriously, and we will be happy to do any job, big or small, to help you and your clients feel completely taken care of when something happens to their home.