Insurance Claims FAQ

Yes, we provide full insurance claim assistance at no extra charge. We meet with adjusters, document damage thoroughly, provide detailed estimates in insurance-compatible formats, and advocate for fair settlements. We've helped hundreds of homeowners navigate the claims process successfully.

First, document the damage with photos and video. Then contact your insurance company to report the damage and request an adjuster visit. Schedule a free inspection with us before the adjuster arrives—we can identify all damage and ensure nothing is missed. We'll meet with your adjuster and provide supporting documentation.

Insurance typically covers sudden, accidental damage from storms, hail, wind, and fallen trees. It generally doesn't cover normal wear and tear, neglected maintenance, or age-related deterioration. Coverage depends on your policy and the documented damage. We help you understand what's likely covered.

Your deductible is your share of the repair cost before insurance pays—typically $1,000-$2,500 for homeowners. You are responsible for the deductible; it's illegal for contractors to "waive" or "pay" your deductible. Be wary of any contractor offering to cover your deductible—this is insurance fraud.

You're not required to get multiple estimates for insurance claims. Insurance adjusters create their own estimate based on their inspection. Our role is to ensure their estimate is complete and fair. We provide detailed documentation that often results in supplemental approvals for additional necessary work.

If your claim is denied, don't panic. Request the denial in writing with specific reasons. We can help you understand if the denial is valid or if it should be appealed. Many initial denials are overturned on appeal with proper documentation. Some homeowners hire public adjusters for complex disputes.

Most policies require you to report damage "promptly" or within a specific timeframe (often 1 year). However, the sooner you file, the better. Waiting can make damage worse, harder to document, or appear unrelated to the storm event. File your claim as soon as you notice damage.

One claim typically doesn't significantly impact rates, especially for weather-related damage (which affects many homes). Multiple claims in a short period may affect rates or renewability. Not repairing damage can lead to larger, costlier problems. Consult with your agent about your specific situation.

We provide comprehensive documentation including: detailed damage assessment with photos and measurements, line-item estimates using insurance-standard software (Xactimate), manufacturer specifications for materials, and scope of work matching insurance adjuster formats. This thorough documentation supports fair claim settlements.

Yes, we work with all major insurance companies including State Farm, Allstate, Liberty Mutual, USAA, Travelers, and many others. We understand their processes and documentation requirements. Our experience helps ensure smooth claim processing regardless of your insurer.