Insurance Restoration Contractor in Lexington, KY

Most standard homeowner policies in Kentucky cover storm damage including wind, hail, and fallen trees. However, flood damage typically requires separate coverage through NFIP or a private flood policy. The key issue isn't whether damage is covered — it's whether the initial estimate reflects the full repair scope. In Lexington, we regularly see initial carrier estimates miss 30–60% of actual storm damage costs. That's where supplement documentation makes the difference.

A supplement is additional scope and pricing submitted to your insurance carrier when the initial estimate doesn't cover the full cost of repair. Hidden damage behind walls, code-required upgrades, proper demolition, and trade-specific labor are commonly missed in the first adjuster walkthrough. Supplements close the gap between what was approved and what the property actually needs. We've supplemented claims from $1,735 to $95,277 — the initial number is almost never the final number.

Timeline depends on claim complexity and carrier response speed. Minor storm repairs wrap in 1–2 weeks once approved. Larger structural restorations take 4–8 weeks. The biggest variable is how fast your carrier processes supplements — we push that timeline aggressively. Emergency services like tarping, board-up, and water extraction happen same-day in Lexington.

Yes. In Kentucky, you have the legal right to choose your own contractor regardless of what your insurance company suggests. Carrier-recommended contractors may prioritize the insurer's interests over yours. Choosing an independent contractor like Handy Manny's LLC means someone is advocating for the full repair scope, not the lowest possible payout.

This is the most common problem we see. Adjusters often write estimates from photos or limited field time, missing hidden damage, code-driven requirements, and trade-specific labor. The solution is a properly documented supplement — photos, measurements, material specs, and line-item justification for every gap. We handle the entire supplement process and have recovered hundreds of thousands in additional approved scope for Central Kentucky homeowners.

Yes — your deductible is your contractual responsibility. In Kentucky, it's illegal for a contractor to waive or absorb your deductible. Any contractor who offers to cover your deductible is violating state law and likely cutting corners on the work. Typical Lexington homeowner deductibles range from $1,000–$5,000. The insurance company pays the remainder based on the approved scope. Our job is making sure that approved scope covers the full repair.

A public adjuster negotiates your claim for a percentage (typically 10–15% of the payout) but does not perform any repairs. A contractor like Handy Manny's LLC handles both — we document the scope gaps, submit supplement documentation, negotiate with the carrier, and then coordinate the actual repair work. One team, one contract, one accountable point of contact from documentation through final walkthrough.

Yes. We work with every major carrier active in Kentucky — State Farm, Allstate, Kentucky Farm Bureau, Erie, USAA, Travelers, Liberty Mutual, Nationwide, Safeco, and others. The supplement and documentation process is similar across carriers, and we know how each one operates and what documentation they need to move a claim forward.

First, ensure your family's safety. Then: (1) Document everything with photos and video before cleanup. (2) Call your insurance company to open a claim. (3) Call Handy Manny's at (859) 551-5302 — we can tarp roofs, board up openings, and extract water same-day. (4) Do NOT sign anything with storm chasers who show up uninvited. (5) Save all receipts for temporary repairs and living expenses. The first 48 hours of documentation determine the trajectory of your entire claim.

Hail damage on asphalt shingles appears as dark spots where granules have been knocked loose, dents in metal flashing and vents, cracked or split shingles, and damaged gutters or downspouts. From the ground, look for dented gutters, dinged AC units, and marks on painted surfaces. However, most hail damage requires a close-up roof inspection to confirm — many homeowners have hail damage they can't see from the ground. We provide free hail damage inspections across Lexington and Central Kentucky.