Understanding the Insurance Claims Process
Placing an insurance claim after your property has experienced a loss can be overwhelming and extremely confusing. We’re here to navigate you through this intimidating process.
5 Frequently Asked Questions About the Insurance Claims Process
How Do We Start?
If you have a loss, contact your insurance company immediately to protect your rights and prevent additional damage. You’ll find coverage and contact information in your policy. If your policy was purchased from an insurance agent, it’s often a good idea to call them first, because they can guide you through the process and answer your specific questions.
Who Do We Work With?
The insurance company will assign an adjuster or claims representative to oversee your claim. That person will arrange for the damage to be investigated, and will determine a fair price for repairs. Sometimes, the insurance company will use an independent adjuster.
Who Chooses the Contractor?
Once the insurance company has determined a fair price to fix the damage, it’s up to you to choose a contractor and sign a contract. You can call us before the insurance company examines your house. We’ll survey the damage and prepare a detailed scope of work at no cost. That way, you’ll have an independent review that you can compare to the insurance company’s report — and if you choose us as the contractor, we can begin work more quickly.
How Long Will They Take?
There’s no simple answer, because it depends on the insurance company and the severity of your damage. Because our restoration professionals understand the claims process, and we know that property damage is an inconvenience, we’ll work with your insurance company to get the restoration underway as quickly as possible.
How Do We Pay?
Our inspection and consultation is free. Your insurance company will cover the cost of the damage. If the company pays you, you’ll be asked to endorse the check to us when the work is complete. If your mortgage company is included on the check, we’ll need your help to obtain their endorsement. In most cases, you will pay the amount of your deductible directly to us once the repairs are complete.
For a more in-depth look at the insurance claims process, please read Understanding the Claims Process (PDF). If you have more questions or feel you are ready to begin your project call (317) 684-7315 or contact us below!