The Claims Process and what to expect
When you need to make a claim for damages to your property it helps to know what happens next
If you need a FREE blue tarp on your roof
You can call or our office, email or text us to turn in a claim or discuss a “what if” when you are not sure if you should turn in a claim.
Assignment of Claim
The insurance company will assign your claim to a claim representative. A claim number will be assigned to you and an email will be sent to you with the Claim Representative’s contact information
Mitigate your damages
Take pictures or video of the damage and save any damaged items that are removed. Make temporary repairs to prevent any further damage like cut out sheetrock to prevent mold or get your roof tarped.
Get your own estimate
Contact a contractor to obtain your own estimate to compare with the insurance company estimate (optional). You can review the insurance co estimate first and obtain your own estimate from a few contractors if you believe the estimate for damages is incorrect
Review your claim payment
The claim rep will send you their company estimate and issue a claims check to you for the damages. If you believe your payment is incorrect you can review with your assigned claim rep, contractor or give us a call to review
What about Loss of Use?
Save your receipts on a hotel, gas, food and any other expenses. Your claim rep will review your Loss of Use claim with your property damage claim. Each insurance company will make a determination on this payment. At this time you will not receive a check for loss of use to help you pay for any expenses during your evacuation. Loss of Use would be a reimbursement and subject to review by your insurance company claim rep.
Should I hire a contractor to make temporary repairs?
Yes you need to prevent any further damage to your property. The insurance company does not want you to wait until a claim rep can inspect your property. If you can make temporary repairs to your property the insurance company expects you to do so per the insurance policy. If you hire a contractor to make temporary repairs this expense can be reimbursed. Save all damaged items and do not throw away anything. Document with videos or pictures and save them.