Insurance claims to repair your home or business may be unlike anything you’ve ever dealt with. They feel a little bit like an insurance claim and a little like remodeling. The process is somewhat confusing, but the end result is usually gratifying. Because of the confusion, we have developed this information to define some of the terminology, the payment process, and who does what for whom, when and how.
Invoicing & Payment
We will do everything in our power to assist you in receiving payment from your insurance company, thus avoiding this step. Payments may be made to Highland by check, credit card, cash, or money order. A convenience fee will be charged for credit card payments over $7,500.
We hope that these definitions and tips assist you with the process. If you have any questions, please call. We welcome any opportunity to explain this process and help in whatever way we can.
If you receive a payment from your insurance company before the job is complete, forward it to Highland Construction and Restoration to apply to your contract.
If you have not received any money from your insurance carrier by the time you receive the invoice from Highland, please contact your insurance adjuster immediately to inquire about the delay and when you might expect the payment. Contact your insurance agent to help you, if needed.
Forwarding copies of our invoices to your adjuster and agent is also helpful. Let them know the level of completion. Large, complex jobs oftentimes require progress payments, so the job might be 50%, 75% or 90% complete. If you aren’t sure the percentage of completion, ask your Project Manager. If the job is complete, please inform your insurance company.
INVOICES AND PAYMENT NOTICES
Payment is due 10 days after the date of the invoice. We realize that you may not have received your insurance payment by that time and we are willing to work with you and your claims adjuster to do everything possible to get payment.
As you communicate your agent and/or adjuster, ask what actions they plan to take, what results you can expect, and in what time frame. Have them keep you posted on the progress.
It is a good idea to check back and be sure that promised dates and actions are fulfilled. We recommend you document all conversations with your insurance company with the date of the contact, who you talked with, and what was said. Good communication yields great results.
Your mortgage company may be a co-payee on the check from your insurance company. If your mortgage company is also listed as a payee, please verify that the name on the check matches your current lender, then contact Highland Construction and Restoration. We can either help you with, or completely take care of the endorsement from your mortgage company.
If full payment is not received within 90 days from the date of completion of the work on your property, we may proceed with our right to file a lien against your property. State laws allow for this to protect a contractor’s right to collect the funds due.
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Typical Restoration Process
Once you notify your insurance agent of the loss, they will submits the loss information to their claims department where an insurance adjuster is assigned to determine the scope of the loss.
If it’s a water loss and there are contents (furniture, personal belongings) involved, we will begin the “dry-out” process and maybe remove some of your belongings, if necessary. Once the water mitigation (water removal) is nearing completion, your contents will be returned, and we will put everything back together again.
They will pack your belongings and move them back to our warehouse for cleaning and storage. They will remove wet materials such as carpet and drywall. Once your property is stabalized, the Estimator will be scheduled to come to your property and write the estimate for the repairs and will work with the adjuster from your insurance company. There may be several days between the EMS Team’s work and the Estimator arriving.
This Coordinator works closely with your Estimator and Project Manager to make sure everything goes smoothly from start to finish. The Coordinator will make sure you have a welcome packet at the beginning of the project with the names, email addresses, and phone number of everyone on your team.
The estimator will also negotiate with the adjuster from your insurance company regarding any additional damage that might be found after the job is started. When it’s time to begin work to restore the damage, the job will be turned over to the Project Manager.
Upon completion, the project manager will conduct the final walk-through, take photos for documentation, and obtain the signed Certificate of Completion and answer any final questions you might have.