The only way to know if you have a covered loss is to read through the policy. You can call your agent and ask them, or you can give us a call and we will do a policy review for you.

Your deductible is what you will have to pay out of pocket on any property claim you file. It is the same thing as paying a co pay when you go do a doctors visit.

1. Before you sign our agreement we will do an inspection of the loss and review your policy and claims documents to see if we can help.
2. Once signed up, we will create a full claims report that we will send over to your insurance company. This report will include photos, estimates, weather reports, building codes and other documents that properly support our position on the claim
3. After sending in our report we will generally do a re-inspection with your insurance company.
4. After the re-inspection we will send in any other documents your insurance company may need to approve the claim. Once this has been done the insurance company will either keep their position or pay the claim out.
5. If they do not change their stance then dispute resolution according to the policy provisions may need to be invoked.

There is a huge myth within the industry that if you cash an insurance check then you are accepting the insurance company’s offer.

This is not true at all, in fact it is better to cash the first check as it shows that coverage has been extended under the policy.

The only way to really “accept” the insurance company’s offer is to complete the work they have written for.