Insurance claim process
At TotalExterior, we guide you through the insurance claim process with expertise and professionalism. Our systematic approach ensures nothing is overlooked and your home gets the protection it deserves.
Storm Damage process
Initial Inspection & Damage Assessment
-Our team will inspect your property for storm damage.
-We document all findings with photos and notes to assist with your insurance claim.
Filing Your Insurance Claim
-If damage is found, you will contact your insurance company to initiate a claim.
-An insurance adjuster will schedule a visit to assess the damage. Please let us know when that appointment is so we can be present during the adjuster’s inspection.
Insurance Adjuster Meeting
-Our job during the assessment is to have an extra set of eyes on the exterior damages to ensure nothing is missed. We do not bully, harass, or demand the adjuster to add anything to their assessment that isn’t deemed claimable.
-Our goal is to ensure all damage is properly documented to prevent any future dispute with the insurance if avoidable.
Receiving the Insurance Assessment
-Your insurance company will provide a detailed report and estimate of approved repairs.
-This document outlines the scope of work covered under your policy.
Review & Project Planning
-Once you receive the insurance assessment, please forward a copy to us at [email protected], we will review it to ensure all necessary repairs are included.
-If adjustments are needed, we can help with supplementing the claim for missing items.
-We do not provide a separate estimate to the homeowner until the insurance scope is finalized. Any estimate we provide beforehand may not align with what the insurance approves, leading to confusion and unnecessary concerns.
Material Selection & Scheduling
-After the Homeowner approves the estimate - we work with you to choose materials and colors.
-We schedule the project based on weather, material availability, and crew scheduling.
Project Completion & Finalization
-Our team completes the work according to the insurance-approved scope.
-We handle all necessary documentation for your insurance to release final payments.
-Your home is restored with high-quality workmanship and materials!
important disclaimers
We Do Not Guarantee Insurance Approval
While we assist in documenting and communicating storm damage to your insurance company, the final decision on coverage and payment is made by your insurance provider and policy.
Homeowner Responsibility for Deductible & Non-Covered Items
The homeowner is responsible for paying their insurance deductible as required by their policy. We do not waive, absorb, or cover deductibles, as doing so is against insurance regulations. Any costs exceeding the insurance payout due to upgrades or additional work requested by the homeowner will be the homeowner’s responsibility.
Scope of Work is Based on Insurance Approval
Our work is based on the insurance assessment and any approved supplements. If the insurance company does not approve certain repairs, we can discuss additional options, but those may be at the homeowner’s expense.
We Do Not Negotiate Insurance Claims
We work with the insurance adjuster to ensure all necessary repairs are properly documented. However, we do not act as a public adjuster or provide legal advice regarding your insurance claim.
Material & Scheduling Considerations
Material availability and weather conditions may impact project timelines. We will communicate any scheduling updates as needed.
It is a best practice to talk with your Insurance Agent or Claim Representative if you have any questions pertaining to your claim or if you think filing a claim is necessary.
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