what we do
Founded in 1999, New Life Exteriors has earned a reputation for thoroughness and quality craftsmanship.
Thanks to our talented crew, any home can be transformed back to its original appearance. Our products are made with highest quality and backed with industries best warranties.
With every project, New Life Exteriors strives to provide you with the timely project management and professionalism you deserve.
With the expertise and experience of New Life on your side, you can rest assured knowing your project will be handled in a manner that will exceed expectations of all involved.
Your next restoration project is only a phone call away, so call us today to learn what we can do for you.
We specialize in:
• Water Removal
• Mold Remediation
• Hail Damage
• Wind Damage
• Fire Restoration
• Insurance Advocacy
• Direct Insurance Billing
who we are
~ Locally owned and operated
~ Family business since 1999
~ Over 75 years of professional experience
~ Accredited BBB A+ Rating
~ Licensed, bonded, and insured
~ Veterans of the United States Armed Forces - Representing the United States Marine Corp., Army, and Navy. We have proudly served our country through the Vietnam War, Desert Storm, and Saudi Arabian Conflict. Our military careers consisted of; Navy Sea and Air Rescuer, Recruit Rifle Range Instructor, Military intelligence, and Front Line Military War.
A percentage of all profits are donated to the following nonprofit organizations.
Women’s and Children’s Horizons (Kenosha)
Harvesters Reaching the Nation (Racine)
Insurance Advocacy Program
Why is it important to have an Insurance Advocate?
For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage.. Homeowners Insurance Covers:
Examples not limited to:
o Fire or Lightning
o Windstorm or Hail
o Freezing of plumbing system
Insurance coverage can be confusing. New Life insurance advocacy program insures that our clients are receiving all the benefits that they qualify for and are paying for. Our advocates have specialized training. We understand the terms of the insurance policy. We act on behalf of and in the best interests of the insured in order to maximize the actual replacement value for the properties damage.
For Example: Hail damage can be subtle, causing minor damage that may not leak or spread for several years afterward. Our Insurance Advocates receive specialized training to identify hail damage, and they may see minor damage that you miss. By repairing this damage now, you can avoid much larger headaches later
DefinitionsDefinition of 'Insurance Claim'
A formal request to an insurance company asking for a payment based on the terms of the insurance policy. Insurance claims are reviewed by the company for their validity and then paid out to the insured or requesting party (on behalf of the insured) once approved.Definition of 'Adjuster'
A claims adjuster is charged with evaluating an insurance claim to determine the insurance company's liability under the terms of an owner's policy. The Insurance Adjuster represents the Insurance Company – New Life represents the home owner!
what's the catchHow claims affect home insurance rates
By Insure.com - Last updated: July 2, 2010
Read the Spanish version: ¿Cómo afectan los reclamos el precio de tu seguro de casa?
When it comes to auto insurance, filing a claim is serious business because your insurer may jack up your car insurance rates at renewal time. But what happens after you file that first home insurance claim? According to most industry experts, nothing much. Most will tell you that a single claim, regardless of its size or type, generally won't raise premiums.
It's almost unheard of for a single claim to affect home insurance premiums, especially if it is an “Act of God." This means an event caused entirely by the forces of nature.
One significant exception could be a dog-bite claim: Insurance companies may raise rates or refuse to renew your policy if a dog-bite claim has been filed against you and you’ve done nothing to lower your risk. (For more on problems with dog-bite claims, here’s home insurance for dog lovers.)How many claims does it take to get an increase?
The next natural question is, "So how many claims does it take before getting hit with a rate hike?" The answer is: Two.
Multiple, similar claims, such as slip-and-falls, can make the red flags go up at your home insurance company.
State Farm spokesperson Phil Supple explains: "If you've been with State Farm for nine years or more, and you have fewer than two claims in a three-year period, you'll still receive a 20 percent discount. Once you get to two, you'll start to lose your discount, or if you haven't been with State Farm for as long as nine years, you'll start to see your premiums increase if you have a qualifying claim." Supple was quick to point out that State Farm doesn't hold a grudge when it comes to a weather-related or catastrophic claim. So, if a tornado rips through your house, at least you won't have to worry about your homeowners premiums going up.
This non-weather, non-catastrophe qualifier is typical of other insurance company. Many insurers realize that the homeowner could not have taken any action to prevent the damage from happening. However, insurance companies are concerned with homeowners who file claims for damage caused by faulty plumbing and fail to make proper repairs -- and file a similar claim later. In these situations, insurers will look at you very carefully when it comes to renewal time. Other situations insurers look for are multiple "slip-and-fall" claims.
However, your home insurance policy is there to protect you. Don’t be hesitant to file a claim when you really need to. If a burst pipe ruins your finished basement, getting the money to repair the damage is going to outweigh a potential increase in premiums. However, it’s important to make the proper repairs so that a similar incident won't happen again.