How Select Restoration Handles Insurance Claim Loss for Property Damage in Michigan
Navigating the insurance claim process can be overwhelming for many Michigan homeowners, especially after experiencing property damage. At Select Restoration, we streamline this process to ensure you receive the coverage you’re entitled to. Here’s how we handle insurance claims for property damage in Michigan:
Understanding the Restoration Insurance Claim Process
The restoration insurance claim process is a structured approach to securing coverage for property damage. Here’s a breakdown of the steps involved, from reporting the loss to achieving a final settlement.
Step 1: Immediate Mitigation and Damage Control
- Secure the Property:
- Select can be on-site in 60 minutes or less to quickly prevent further damage. This may involve boarding up windows, applying tarps to roofs, or turning off the main water valve.
- Document Everything:
- Before making any repairs, our team will take detailed photos and videos of the damage, personal property, and the source of the loss. This evidence is crucial for proving your claim to the insurance company.
Step 2: Filing the Claim
- Notify the Insurer:
- We will contact your insurance agent or use their online portal to report the damage promptly. Delaying this can complicate your claim and may violate reporting deadlines.
- Review Your Policy:
- Familiarize yourself with your deductible, coverage limits, and specific terms regarding the “Period of Restoration” or temporary housing provisions.
Step 3: Damage Assessment
- Adjuster Inspection:
- Your insurance company will assign an adjuster to inspect the property and assess the extent of the damage to determine the payout.
- Contractor Collaboration:
- Many homeowners choose to engage a licensed restoration contractor early in the process. Contractors can collaborate with the adjuster to ensure all damage is accounted for and that repair estimates are accurate.
Step 4: Scope Approval and Payout
- Scope of Work Review:
- The adjuster will provide a “scope of loss” and an estimated payout. If you believe the estimate is insufficient, you can dispute it by presenting contractor estimates or consulting a public adjuster.
- Initial Payments:
- Typically, you will receive an initial check (minus your deductible) to commence repairs. If you have a mortgage, this check may need to be endorsed by you and your lender.
Step 5: Restoration and Supplements
- Execution of Repairs:
- Your chosen restoration contractor will carry out the necessary mitigation and reconstruction work.
- Supplemental Claims:
- If hidden damage is discovered (such as behind drywall) that exceeds the initial payout, your contractor will file a supplemental claim with the insurer to cover the additional costs.
Step 6: Final Sign-off and Settlement
- Project Completion:
- After repairs are finished, you and your insurer will conduct a final walkthrough to ensure everything meets expectations.
- Final Disbursement:
- Once the project is complete, the remaining funds will be released to pay your contractor in full.
Why Choose Select Restoration?
At Select Restoration our IICRC certified staff members, understand that property damage can be stressful and disruptive. Our experienced team is dedicated to guiding you through the insurance claim process in Michigan, ensuring that you receive the support you need every step of the way. From immediate mitigation to final settlement, we’re here to help you restore your property and peace of mind.
Contact Us Today!
If you’re facing property damage from Fire, Water or Wind Damage and need emergency assistance with your insurance claim, don’t hesitate to reach out to Select Restoration. We’re here to help you navigate the process smoothly and effectively.
