Breaking Down the Insurance Claim Process:
Minnesota weather can be extremely hard on homes. This means that your home may be affected by storm damage at some point. This can be extremely stressful, but it doesn’t have to be. With an insurance claims expert, like T Dunham Construction Inc, the process of fixing your home after a storm can be fairly painless. Some common complaints we hear from our clients include:
“My home was damaged in a storm and I have no idea what to do.”
“Working with insurance companies is too much to handle.”
“I am frustrated that this process takes so long and is so unclear.”
“It feels like my insurance company did not provide a large enough claim to fix everything that was damaged.”
These are some of the reasons why we have become so passionate about working with our clients through this process. These are also the reasons why we created this short guide to clear the confusion when it comes to the insurance claim process. Below you will find the definition of what an insurance claim is and a breakdown of the insurance claim process.
What is an Insurance Claim?
An insurance claim is when a policyholder submits a request to their insurance company to get coverage for damage. In your case, you would be submitting this request for coverage when it comes to storm damage on your home. Essentially, a policyholder is asking their insurance company to pay for the repairs under the insurance policy.
What are the Steps of the Insurance Claim Process?
The first thing that you have to take note of is that insurance companies are just that-- companies. Oftentimes they will try to avoid paying for damage to save their company money. This is why finding a reliable contractor is so important in the insurance claim process. T. Dunham Inc. will inspect your home for free and work through the entire insurance claim process with you. They will work through the following steps with you to ensure you are being protected:
1. Set up a third party inspection
Have a third party contractor inspect the damage done to your building. It is important to contact a contractor, such as T. Dunham Construction, as soon as possible after damage is done to your building. They are professionals who have a lot of experience with the insurance claim process and evaluating damage. They will inspect your home before reaching out to your insurance.
2. File a claim
The second step is to contact your insurance company to file an official claim and set a time for the insurance company to evaluate your property. Again, it is very important for you to communicate the time the insurance company will inspect your property to your contractor. You will want your contractor present for most of the insurance claim process.
Having your contractor present for the day of the property inspection is vital to protect you and your home. They will advocate for you to the insurance company and they will verify that the insurance company is not shortchanging you.
3. Wait for evaluation results
After filing a claim and receiving your insurance adjustment, you will wait for your insurance company to send you what they will cover. Generally this is done within two weeks. Once the insurance company’s evaluation is complete, they will send you paperwork outlining exactly what damages they cover and what amount of the damage they will cover for you. This information should be passed along to your contractor.
4. Allow contractor to finalize details
Now that you have determined how much your insurance company will help you, the hard part is done. Next in the process is allowing your contractor to finish the details of your construction project. Once the details have been nailed down (no pun intended), your project will be reviewed and added to your contractor’s work docket.
Congratulations, you have made it through the insurance claim process and construction can now begin on your home!
Hiring T. Dunham Construction to aid in the Insurance Claim Process:
Does this process still feel overwhelming? If so, T. Dunham Construction will gladly be your expert guide through this process. Our company has experience working with almost every insurance company on the market. Simply put, T. Dunham Construction is an expert on the insurance claim process.
We will help you jump start this process by providing a free inspection of the damage done to your home. Additionally, we will also provide a free estimate for the cost of the damages. This will allow you to have a better idea of what to expect from your insurance company. If you are interested in working with us, click here to fill out a contact form. We will get back to you shortly to schedule an inspection.
We promise that we will help you through the insurance claim process and that we will work for you to attain a fair and equitable claim from your insurance company.