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Who is Home Claim Services of America? Home Claim Services of America (HCSA) is a service company providing assistance to property owners, property management companies, condominium associations, charitable organizations and government housing agencies by filing claims for many types of defective building products including hardboard siding and roofing materials. Since its inception, HCSA has processed more than 20,000 claims and collected more than $40 million on behalf of property owners nationwide. How do I know if I qualify? If the structure on your property was built between 1980 and 1998 with hardboard siding or with certain roofing products you may qualify to file a claim. If you replaced siding during this period on a property you own or owned you may qualify for reimbursement. To qualify, the hardboard siding or roofing products must have been made by specific manufacturers. In general, manufacturers fall into one of four categories. A few manufacturers previously had claims programs in place but the deadline to file claims has passed. A second set of manufacturers is currently accepting claims. The third category includes manufacturers facing active litigation. Last is the group of manufacturers with no claims process and no litigation pending against them. Do I need Home Claim Services of America to help file a claim? No. Owners always have an option to file on their own. There are compelling reasons, however, to utilize the services of HCSA. HCSA is a claim service. We use our knowledge and experience to assist property owners in realizing the full value of their claims. The claim process can often be complicated. There are dozens of manufacturers, each producing an entire line of siding or roofing products. Mergers and the sale of plants and manufacturing equipment between hardboard siding companies further complicate identification of the correct manufacturer. Our highly trained claims specialsits and siding experts can make positive identification easy. In some cases, we employ, at our expense the expertise of American Hardboard Association member experts for definitive analysis. In addition to the issue of product identification, successful claims depend on following correct procedures involving the proper paperwork and documentation. Each manufacturer has a different claims process and different claims requirements. Our experience in filing both current and unreimbursed expense claims with a variety of manufacturers is unparalleled. Further, a claim in progress needs to be monitored closely to ensure consistent progress toward completion. HCSA provides comprehensive reporting and follow up to complete the process in a timely manner. Finally, if your initial claim fails to provide 100% compensation, our HCSA database automatically schedules the re-filing eligibility date. The correct subsequent-year claim forms will be sent to you well ahead of this date so these filing are made in a timely fashion. We believe that the services provided by HCSA help most property owners to achieve the maximum value of their claims in the shortest possible time. This is the primary reason that owners and property managers of every type and description have chosen HCSA to assist with their claim filing needs. How long will the claims process take? Because each manufacturer has a different claim program and different requirements, it is impossible to provide a standard time frame until all details are known. Our knowledge and experience allow us to get claims filed as quickly as possible. Then, HCSA continuously monitors the progress of each. We maintain continuous contact with both the customer and the claims administrator. Most importantly, because HCSA only gets paid when the customer gets paid, we have an identical interest in getting each claim resolved as quickly as possible. How much will this cost me? With HCSA, there is never an upfront cost for filing any claim. We work strictly on a percentage of the cash portion of any recovery. Often, we advance fees or costs in order to speed the process of a claim. If we are unable to obtain a settlement offer on your behalf there is never any cost to you. Simply put, if you don't get paid, we don't get paid. Why must I supply a sample? There are literally hundreds of different types of hardboard siding produced by a score of manufacturers. Many of these products look virtually identical. For example, some of the presses used to produce hardboard siding by one manufacturer were later sold to another manufacturer. HCSA prides itself on its track record of expeditious, positive sample identification. A common problem encountered by many property owners is filing a claim with the wrong manufacturer. This can lead to frustration and loss of claim potential. In some instances, it can even result in an otherwise valid claim being denied. When you provide HCSA with a sample, we can make a positive determination of the correct manufacturer and the proper claims program under which the claim should be filed. How long do I have to file? The window for filing claims varies by manufacturer and by product. My siding was so bad I replaced it. Can I still file? You may still be eligible to file a claim for unreimbursed expenses. These claims are considerably more difficult to file than a claim for existing siding. Substantiating a claim for unreimbursed expenses requires a higher level of proof, usually itemized invoices and/or a signed statement from the contractor verifying the replacement process. HCSA can help identify whether such a program exists and what needs to be done to file this type of claim. I am considering replacing some siding and/or painting my house. Should I wait? This is decision that only the property owner can make. Compensation is based on damaged siding as defined in the settlement agreement with the manufacturer of your siding. While the different types of damages are specifically defined and quantifiable, painting, caulking and sealing can often mask damage, making proper evaluation more difficult for an inspector. Replacement of damaged siding at this time will void your ability to file a claim for the replaced siding. For instance, if you have 2000 square feet of siding and you replace 500 square feet, you will only be able to file a claim on the remaining 1500 square feet. Why do I need to sign a contract and a limited power of attorney? The contract for services sets out in detail the rights and responsibilities of you, the property owner, and of Home Claim Services of America as your agent. The contract also outlines the details of the HCSA fee. The Limited Power of Attorney allows HCSA to deal directly with various manufacturers of your behalf. The powers granted by the Limited Power of Attorney are solely limited to those activities necessary to process your hardboard claim. These two signed documents are necessary before
HCSA can begin work on your behalf. Please read these documents carefully.
HCSA recommends consulting with an independent attorney if you have any
questions as to the legal significance of any of the terms of these documents.
If your attorney has any further questions, we would be glad to arrange
a meeting or conference call with one of HCSA's attorneys. How does the claims process work? Each settlement is the result of compromise between plaintiff and defense attorneys. Many property owners feel that once a product is determined to be defective, the manufacturer has an obligation to pay for the the complete replacement of the product. Most manufacturers, however, do not believe that their product is, in fact, defective. Often it takes a lawsuit before the manufacturer recognizes that there is a problem. At some point the manufacturer recognizes the problem and begins to look for ways to mitigate their exposure. On the other side, the plaintiff attorneys believe that the product is defective and that the manufacturer should be held accountable for the damage experienced by the property owners. It can be very difficult, however, to prove in a court that the manufacturer is responsible for the problem and, if so, the extent of the manufacturer's liability. This is the point at which both sides realize that a negotiated settlement is in the best interest of each party. Because the settlement is negotiated, both side usually have to give up something. In exchange for not having to prove every element of damage and liability, property owners will usually not receive as much compensation as they would if they had prevailed in a lawsuit. The settlement establishes a claim value determined by the actual amount of damage to the property. Individual property differences are usually not taken into consideration. Often, the compensation will not fully cover the owner's actual cost of repair or replacement but it is much more cost-effective and practical than to require that each owner file an individual lawsuit. An important part of HCSA's service is helping each property owner obtain the maximum amount of compensation that is available under the terms of the particular settlement covering the product(s) on their property. This is the money that is due to you and HCSA wants to help make sure you receive the maximum amount possible. What is the average compensation? As explained above, each settlement is different. Two property owners with similar buildings sided with different products will receive vastly different settlements. Most settlements use a fixed compensation formula based on the amount of damage and a rate approved by the court. Depending on the terms of a particular settlement, there may or may not be other factors such as depreciation or causation exceptions that are added to the formula. Again, each settlement is different. HCSA's claims team has considerable expertise and knowledge about each settlement. We will help you obtain the maximum possible compensation for your particular property and your particular settlement program. |
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What if I have Weyerhaeuser
hardboard siding?© 2002 Home Claim Services, Inc. · Toll-Free (877) 263-3453 · (251) 432-1030 · Fax 251.432.3999
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