How Your Insurance Company Will Pay For Your Home Repair

We have created this sheet to help you clearly understand the payment process of restoring your property after you claim has been approved.

1. Your insurance company will either pay you the day of the adjustment, or mail a check to you after approval from their headquarters. The check will be made out to you, sometimes with our name as well, and if you have a mortgage company their name will also be on the check.
2. Your claims representative will pick up the check from you and if there is a mortgage company, sign an affidavit for us to deal directly with them.
3. The mortgage process can be a complicated process, and can take weeks to complete. Please understand, your mortgage company is only trying to insure the work is actually done on “their” property, and they give us a multitude of steps to go through in order to guarantee we are actually doing the work, and what the cost will be. We can complete this process much faster than the average property owner, and it is one less thing for you to deal with.
4. Most mortgage companies will mail the check directly back to us to start work, but in the event they mail the check to you, please call us to pick up payment, select colors, and schedule materials as soon as possible.
5. Upon receipt of check, we will then process your claim through our internal claims department. Our experienced claims management team will thoroughly review your insurance companies estimate to verify all items necessary for a proper restoration are covered, and that the pricing is correct before we order supplies. We agree to the general “scope of work” at the time of the adjustment, but on larger projects it is necessary for us to take a closer look before ordering supplies or beginning work. We order a satellite image from a company called Skytek Imaging to verify measurements on all work. We then compare this image, the measurements from our claims representative, and the insurance companies adjuster. Upon establishing the final “scope of work” we plug these figures into a program called Xactimate. This is a program developed by State Farm Insurance to insure fair pricing, according to each state and city. We do not randomly create an “estimate” instead, we as stated in our contract use the insurance companies pricing to arrive at our final job cost.
6. Upon completing this supplement, we submit it to your insurance company. Your claims representative can provide you with a copy upon request. This does not change your cost at all. We will deal directly with your insurance company to release all payments. Occasionally your insurance company may call you to verify that you have contracted us to do the work, and that we are the ones negotiating price. On agreement we will order supplies needed for completion of the work.
7. We will then file for the insurance company to release the final payment due on the job. The insurance company holds back a percentage to insure you will need the full amount of funds to complete your work. When they receive a copy of the contract from us, and see that materials have been delivered, they will mail the final check. We send them a form to mail final payment directly to us upon completion, however, sometimes the check may be mailed to you.
8. Many contractors expect you to pay the balance due upon completion, and then be reimbursed by the insurance company when you receive the final check. This can take up to 4 weeks to receive, and we recognize most customers are not able to wait this long for reimbursement. For this reason, we wait until the check comes from the insurance company to collect our payment. We ask you pay for any upgrades or if their is a balance due on your deductible at this time.
9. Upon final payment your warranty will be in effect, and we will continue to offer you exceptional customer service, please call your claims rep with any questions.