Links & f. a. q.
F. A. Q.
"FREQUENTLY ASKED QUESTIONS"
We may not be able to answer them all right here but, that's okay. If you still have questions, just send us a message, and we will do our best to answer them as soon as possible. Don't forget, you can always just call us and ask!
Our downloadable material may also help answer some of your questions.
Q: How do I know if All Star Works in my area?
A: All Star is currently licensed, or holds reciprocal licenses as a Commercial General Contractor in 39 states. However, if your church is in a State where we are not currently licensed, call us. We can usually get all the necessary paperwork filed quickly, and without any delay to the project. We will do everything possible to serve your church, regardless of where you are.
Q: Where is All Star's Home base?
A: We have permanent offices in Cedar Hill, TX and in Lehigh Acres, FL. However, our company is designed to work nationwide.
Q: Is All Star a non profit organization?
A: No. In fact, we are simply a ministry based firm that specializes in church rebuild and restoration. However, we are proactive on every project in finding creative ways to work with missions teams, and volunteers.
Q: Does All Star work as a Public Adjuster? (Do you settle our insurance claim for us?)
A: Not Exactly. We do have licensed adjusters on staff to aid in the estimating process, and to help the church navigate the claims process. However, we ARE NOT public adjusters. Which also means, we do not charge additional for any of our services that aid in your claim being settled. All Star prides itself on a healthy relationship with the major church insurance carriers, and respects the job their adjusters and supervisors must do. We simply use our experience and wisdom to build a relationship with the adjuster and insurance company, and to help aid them in the claim settlement process.
Q: Can we use volunteers on a All Star project?
A: YES! All Star encourages the use of volunteers from the church or outside missions teams. Of course there may be limitiations on what trades can be performed by volunteers, but when possible, it gives the church value in a true "earned credit".
Q: Should we get three bids?
A: Not for the purposes of hiring a General Contractor. The truth is, you should only be concerened about hiring a quality, licensed contractor, who will work side by side with the adjuster in determining the scope of damage and fair value for each damaged item. They should also be willing to complete the project with the insurance allowable funds. It won't save you money if you find a General Contactor to do the job for less than what the insurance company allowed.
Q: Why won't it save us money if we find someone to do it for less than the insurance allowable funds?
A: In the end, if you can find someone to do it for less than the allowable funds, the insurance company will have saved the difference, not the church. Once the insurance adjuster determines the total RCV (Replacement Cost Value) of all your property damages, they will then depreciate that amount based on the age of your building and it's components (In some cases up to 50%). They will then release the remainder of those funds once work has been completed. In this case, the only way to save (or keep) money, is to ask a contractor to do the work for one price, and then submit an invoice to the insurance company for a higher price. It goes without saying, that this is both unethical, and illegal. Obviously, we feel that the Lord would not honor either party that chooses to do business this way.
Q: Does All Star do "new construction"?
A: Yes. While we have always felt a special call to assist churches that have been affected by disaster, we are always willing to explore options with you or your church in regards to new construction.
Q: Does All Star use local sub-contractors?
A: Much of the time we do. Especially as it relates to electrical, HVAC, and mechanicial trades. However, we also handle many trades "in house", and travel with experienced, well qualified crews that handle many of our trades.
Q: Do we have to pay our deductible?
A: Yes. In short, that's the clearest answer we can give. Every state has very specific laws regading insurance fraud, and while many companies will offer this as an incentive, we simply will not.
Q: What can All Star do about our high deductible?
A: Again, we can't refund it, plain and simple. We can however, help you find ways to earn credits that may help offset some or all of your deductible cost.
Q: How long will the job take?
A: As you can imagine, every job is different, and will vary based on the size of your property and type of damage. For large projects, count on several weeks or even two to three months for the insurance company, engineers, architects, city building officials, and All Star to get everything ready, before actual construction begins. After that, it is entirely dependent on the size and scope of work.
Q: What should we do to prepare for this process?
A: Assign a building committee, and chairperson as soon as possible, to help make decisions regarding the restoration process. This is vital to helping the project timeline move forward.
Q: Can we just do all the work ourselves and make money on our project?
A: Unfortunately, the answer is no. In fact, insurance law also prohibits an "insured" from profiting from a loss. While you are allowed to earn credits (with applied labor) from All Star and usually the insurance company, you are not allowed to make or receive the "profit" that is paid for the purposes of hiring a general contractor.