Insurance Claim Process

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1. Call your insurance company – Claims Department 
2. State you would like to file a claim, and you have had a licensed contractor inspect your home. They have confirmed significant damage to your property due to hail and/or wind.
3. The Claims Representative will ask you the date of the storm which will become your date of loss for the claim.
4. An adjuster will typically call you within 48 hours to set up a time to come and assess your damaged property. Although it is not required, but preferred and HIGHLY recommended that you notify the adjuster that you would like to have your contractor present at the time of inspection. It is not in our interest to hustle, bully, scam or defraud your insurance company. Our goal is to provide you with expert knowledge and excellent customer service throughout your claim process with the utmost courtesy and integrity.
5. Get the following information and record it:
   1. Claim number __________________________________
   2. Adjuster’s name & number____________________________________________
   3. Date & time of inspection_____________________________________________

Depreciation is funds your insurance company withholds from you after they have adjusted your claim. Most people have RCV (Replacement Cost Value) policies. With this policy, you will most likely receive 2 checks from the insurance company. The first check is the total amount of the claim minus the depreciation and the deductible. After completion of the work, the depreciated funds are released in the form of a second check. The second check will also include the permit fee and any supplements. Supplements are additional work the contractor did that was not found in the initial evaluation by the adjuster. We get pre-approval for any supplements before the work is started.

• Your insurance company wants to be sure you actually have the work performed. They will not give you all the money owed to you unless they receive a completed invoice from a contractor.
• Your insurance company will pay you only what you spend.