Areas of Practice — Carbonneau Associates

Areas of Practice & Services

Estimate the costs of repairs using constantly monitored and up to date pricing on materials and labor.
Recreate damaged areas in a computer animated drawing, insuring that all measurements for linear footage and square footage are accounted for. This will allow for accurate pricing and quantities.
Account for proper pricing on materials that are of the same like, kind and quality.
Reviewing covered Perils and Additional coverages of your policy.
Understanding what is covered under each section of your policy.
Understanding the endorsements that are available under your policy.
Understanding the types of property that are subject to limitation.
Understanding exclusions within your policy.
Understanding the percentages that apply to other structures. Such as sheds, barns, detached garages, etc.
Reviewing ordinance or law (code) related issues.

Estimate replacement costs of each item using up to date pricing.
Photograph each individual item.
Create spreadsheet with price references for each individual item, brand, serial numbers, model numbers, ages and description.
Reviewing specific coverages for personal property.
Understanding the types of property that are subject to limitation.
Understanding exclusions within your policy.

Reviewing and organizing all documentation showing a net increase in day-to-day expenses that you have incurred due to a loss.
Review and discuss the options under your policy for substitute living arrangements, if the residence is not fit to live in. This will allow your family to maintain a normal standard of living.

Discuss the proper accounting practices required in order to fairly and accurately project net losses.