After disasters hit an area we are trying to come back to our normal day by day life. The city are gonna start with the cleanup and debris removal efforts and we will try to.
If you never filed an insurance claim this situation can be a bit traumatic, you don't know exactly what to do first and how to expedite the process.
In ARC Remodeling we advise you to follow our 7 step insurance claim process but the big question here is why? , Before we will count the reason why, an overview of insurance company business model is necessary.
Insurance Company is a business that makes money from collecting more money in premium compared to expenses on claims.
After you call and file a claim with your insurance company, your insurance company will schedule an adjuster from their behalf to go and asset damage, like any professional in any market some have more experience and some very little. As a homeowner, you have no control if your insurance company assigns a 10 or 1-year experience adjuster. Therefore, sometimes adjuster has mistakes in their assessment damage and that means less money and downgrade material. The contractor are the professional in this area and they can speak up with your insurance adjuster to light any mistake that may be.
If you have RCV (Replacement Cost Value Policy) policy, your insurance company is entitled to pay you full damage value dollar amount minus your deductible, but most of the time they will not pay it all at once. Usually, they pay it in 2 or 3 checks, If a contractor is working on your insurance claim they will offer to collect their money just when you get it.
Dealing with your insurance company after a disaster isn't easy, especially if it is your first time. There are specific documents and guidelines insurance work by which need to be sent in specific times to release any funds necessary.
A contractor with insurance claim experience knows these guidelines inside out, so he will do it for you.
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