How to Make an Insurance Restoration Claim with Your Local Contractor

modern interior with stair under water flooded basement

Do you know how to file an Insurance Restoration Claim For Storm Damage, Structure Damage, or Fire and Water Damages. It’s always good to have the knowledge before you actually need to use it.

Have you seen that report on the news of about a car driving through the house, or the latest storm damage. Whether it was the thunderstorm that knocked down your neighbors tree onto your house, or the 100 year flood in your area that completely covered your basement. You should seek professional contractors advice along with your insurance agent. The agent is usually on the insurances side, where a Home Remodeling and Restoration Expert is on your side, so it is beneficial for you to use a Home Remodeler to help.

Minor damage can lead to big problems later on. Many insurance policies limit your time to file a claim, so don’t wait until you have water dripping through the ceiling, mold in the attic, or your roof caves in to call in an expert. Protect yourself by hiring a reputable contractor to represent your best interests. You have paid your homeowners insurance, so make sure you get the maximum value for your claim. SemBro Designs are experts in handling insurance restoration claims. Often times with little out of pocket expense.

Insurance Restoration Claim Tips

  • Don’t Delay! Most insurance policies limit your time to file a claim
  • You can’t be singled out for a rate increase due to storm damage
  • Insurance restoration contractors advocate for you
  • Always hire the best contractor, not the cheapest
  • Always do your homework and understand your rights


Insurance Restoration Claims Process

Filing a storm damage Insurance Restoration claim can be a frustrating and confusing process. You should remember that your insurance company is in business to make money and may try to deny your claim. So we’ve created a 7 Step Guide to make the claims process easy to understand.

Step 1: Assess the storm damage. Record the date of the storm, signs of damage you can see from the ground, and take pictures of any damage. Search online for news stories of the storm hitting your area, so you have proof if it is ever required.

Step 2: Make sure your contractor performs a full property inspection, including the roof, windows, siding, AC units, screens, concrete and all other exterior surfaces.

Step 3: Read your insurance policy carefully and contact the claims department of your insurance company directly. Be prepared to provide pictures and the estimate from the contractor you have chosen to work with.

Step 4: Insist your contractor is present during the adjuster inspection. Your contractor’s job is to make sure the adjuster plays fair, and provides you with a fair assessment. Remember, the insurance adjuster works for the insurance company and may have an incentive to deny your claim, if they think they can.

Step 5: If your claim is denied, don’t worry. You are entitled to meet with three insurance adjusters. Remember, even a small amount of damage should result in an approved claim. Any type of damage can devalue your home and damage should be fixed immediately before it leads to greater damage down the road.

Step 6: Once your claim is approved your insurance company will send you 2 separate payments. The first payment, or materials deposit, covers the cost of materials. Make sure your contractor orders materials in your name, and gives you a copy of the receipts for bought materials.

Step 7: After your materials are delivered, your contractor will get to work. Any changes to the written bid should be submitted in writing for your approval. No additional payment is due until all the repairs are complete. Once your project has passed a city inspection, you will have a chance to approve the job before making final payment. Make sure the job is done to your satisfaction and your contractor signs a lien waiver, before handing over the second payment.

When filing an Insurance Restoration claim, remember most state laws prohibit insurance companies from cancelling policies for filing claims in an Act of God storm damage situation. In most states insurance company cannot single you out for a rate increase. If the insurance company is going to raise rates, they have to raise everyone’s rates in your area. So, if you don’t file a claim, your personal rate increase will pay for everyone else’s claim except for yours.

Let the insurance restoration experts at SemBro Designs give you peace-of-mind when it comes to working through the process of filing insurance restoration claims, working with adjusters and restoring the damage.