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Insurance Claims

Process

Navigating Insurance After a Disaster

Home insurance is confusing. We get it! Not only do we strive to keep the entire process as stress-free as possible, but we’ll also do our best to help you get the most out of your policy. Are you someone who prefers to be part of the entire process or would you rather leave it to someone else to take care of? We’ll work with you whichever way you prefer.

If you don’t want to deal with your insurance company, all you have to do is open the claim and we’ll take care of the rest. If you want to be part of the process from start to finish, we’re happy to work with you every step of the way.

How the Insurance Process Works

We know how confusing insurance can be. Here are the steps you should expect when dealing with your insurance company and working with Rapid Restoration:

1. Call Your Insurance Company and Rapid Restoration.

Whether you call your insurance company first or Rapid Restoration first depends on the situation.

Is the damage an emergency?
Call Rapid Restoration first for emergencies. We can help prevent further damage, whether you’re dealing with a flooded basement or burst pipe. We’re available 24/7 and will send one of our techs to start fixing the problem as soon as possible. You should then call your insurance company to open your claim and schedule a visit from a claim adjuster.

Can it wait?
Some situations can wait for a professional to do a proper inspection and get a full scope of the project before making any repairs. If you find mold in your home or need something repaired, call your insurance company first to open the claim. You can then contact us, and we’ll let you know how we can help. We are also a preferred contractor for Pure Insurance and can help you with any needs you may have with them!

2. Take Pictures and Document Any Damage.

Anything you can have on hand makes the insurance adjuster process much easier, and it can save you money, too. If you can, find approximate prices of what was damaged for a better estimate on how much it will cost to replace.

3. Wait for the Insurance Adjuster.

An insurance adjuster determines which repairs are covered by your policy and which ones aren’t. This is why any documentation is so important. It can help save you money and prove to your insurance company any necessary repairs should be paid for by your policy.

While you’re waiting, don’t hesitate to take a few steps to prevent the damage from getting worse. You can shut off your water if it’s safe or put a bucket underneath a leak. More of the expenses will be covered if you take action to keep repair costs down.

4. Take Care of Necessary Payments.

Often times, you’ll pay us the deductible, and we’ll contact the insurance company for you to take care of the rest. Whether your insurance company sends a check to you or to us depends on the company. We’ll work with you to make sure everything is paid for.

We’ll do whatever we can to make sure as much of your damage is covered. However, there may be some cases where the restoration isn’t covered entirely. This can happen if the cause of damage isn’t covered or if you choose to remodel your home instead of replacing what was damaged. We’ll work with you to create a payment plan that works for you and get your property exactly how you want it.

Need Your Property Restored? Call Rapid Restoration

We’re here to help. If you need your Minnesota home or business restored because of storm, fire, water, or mold damage, leave it to the experts at Rapid Restoration. Call us today!