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Insurance Restoration Process
- A Minnesota Building Contractors Field Supervisor will conduct an inspection of your house to determine the extent of damage to the exterior of your home, including but not limited to, your roof, siding, windows as well as the interior of your home.
- Upon finding damage, we will ask you to call your insurance company to initiate a claim. (Unfortunately, insurance companies do not allow us to do this for you.)
- Once you have an insurance number, our Field Supervisor will contact the Insurance Adjuster assigned to the claim on your behalf and begin the restoration process.
- Our Field Supervisor will meet with the adjuster and point out all the damage. If the Adjuster agrees with our assessment, we will notify you immediately. If they disagree or refuse to pay for everything we feel you are entitled to, again we will notify you. We will then request that a different adjuster re-inspect your house. If they still refuse to pay you what we honestly feel you are entitled to, we can call for an Arbitrator to inspect your house. Once again you are kept apprised on an ongoing basis.
- Once we received approval from your insurance company, two things happen simultaneously, 1st, the Insurance Adjuster will tell you insurance company to write you a check for at least half the total cost of the project. While you are waiting for your money, you and our Field Supervisor will pick out building materials and colors. 2nd, we will pick up a check for the insurance deductible (generally $250). This should be your only out-of-pocket expense.
- Next our Field Supervisor will order the materials needed to replace/repair the damaged area.
- When the materials are delivered, our Field Supervisor will inspect things and make sure that all of the materials are there, in the right colors, and everything is correct. Also, at that time, our Field Supervisor will be picking up the first check you will have received from the insurance company. In the construction industry, it is called a "Material Drop Check" as materials have been dropped off at the work site.
- Once the Material Drop Check has been picked up, our Production Manager will schedule the work to be done on your house and assign the crews.
- On the day of construction, our Field Supervisor will be at your house to meet the crews and get started.
- Once everything is completed, you and our field supervisor will inspect the work together to confirm that everything has been completed to your satisfaction.
- After completion of the work on your house, our Field Supervisor will invoice your insurance company for the remainder of the money they owe for the project. When you receive final payment from you insurance company, our Field Supervisor will come to you house to pick up the check.
Homeowner referrals make up a large percentage of the work we do. To show our appreciation we offer a $50 referral bonus upon completion of each project you refer us to.
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