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Navigating insurance can be confusing after a disaster. We want to make the process easier for you, so here are a few answers to some common questions we get about insurance and the restoration process.
Each insurance provider is different, but here’s a general outline for what may or may not be covered by your provider:
If the damage is covered, then your provider should pay for every aspect of the cleanup process, from initial debris removal to reconstruction. However, if the type of damage isn’t covered, such as flood damage, from an overflowing lake, then you will usually have to pay for contents restoration and reconstruction.
Call your insurance company to open the claim immediately after you call a restoration company. Your insurance company will then send an insurance adjuster to help determine what’s covered and what isn’t.
Yes! We are happy to work with all insurance companies! Once you open the claim, we’ll take care of the rest.
In most cases, no. Flood damage is often a separate policy, and in some areas in Minnesota, you are required to purchase separate flood insurance.
Yes, but your insurance company most likely won’t cover the extra cost. Most homeowner’s insurance policies only cover to restore and replace of similar value.
No, you are not obligated to use the restoration company recommended by your insurance company.
Each insurance company is different, so it’s important to call them as soon as you can after your home has been damaged. They’ll walk you through the process and help you open the claim.
You can get a better idea of what the insurance process is like here, but here’s a basic overview of what to expect:
An insurance claims adjuster is someone your insurance company sends to determine what’s covered and what isn’t covered when your home is damaged.
When you call us, make sure you know how much your deductible is. While waiting for us to come, take pictures and document the damage, as that will make it easier for you when the insurance adjuster comes.