Navigating through the Claims Process

  1. Before you call your Insurance Company write down the date the damage occurred.  Mentioning the potential of wind damage will help you with the claims process since the adjustor will be more diligent examining your property since oftentimes wind damage is more difficult to detect
  2. Know the age of your home, shingles and gutters as the adjustor will use this information to determine depreciation.
  3. Know your current mortgage information and other lien holders for your property.  Also, a mortgage in arrears and not current will slow your repair process dramatically.
  4. Getting your home evaluated by a storm/hail specialist before the adjustor arrives is a highly recommended step.  The hail specialist will have a better understanding of building codes, material costs, and an idea of what is needed.  Many adjustors are from out state and are not as familiar with Minnesota building codes, and local costs.
  5. All adjustors are not the same.  Insurance companies hire adjustors that are employees of the Insurance Company and are salaried.  There is no doubt that they are more conservative with their estimates.  When a storm hits a large community and the damage is widespread and significant the Insurance Company will bring in a team of independent national adjustors.  They are known as the Catastrophe Team.  The “Cat Team” adjustors are much more liberal with claims since they are paid a commission or a percentage of the damage.  Independent or “Cat Team” adjustors are more knowledgeable with hail and wind damage as well.
  6. An experienced restoration contractor is your best friend during an adjustor meeting.  An adjustor as your only representative is like going to court without an attorney.  We excel at adjustor meetings and can arrive at an agreed scope of damage that will move your claim quickly.