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.
A contract between you and your insurance carrier to cover damaged property.
A contract between you and Highland Construction and Restoration to make repairs
The insurance company typically pays the insured (you) and you pay us since the contract is between you and us. This varies depending on your insurance company.
The insurance representative who handles your claim.
Your local insurance representative from whom you probably originally purchased your policy.
The amount due by you IN ADDITION TO the amount paid by the insurance company. We ask for this payment at the beginning of the job.
Your insurance adjuster and the estimator from Highland Construction and Restoration will do all they can to identify and agree on repairs for damage as a result of the fire, wind, water, etc.; however, some issues may not be obvious and aren’t discovered until we are well into the job. In this case, estimator from Highland will represent you by calling the adjuster to get approval for the additional work which is usually covered by the insurance company.
These are changes that you decide to make over that which is covered by the insurance company because of the claim. A change order usually means additional cost to you. An example of this might be that you would like to replace your damaged vinyl floor with a wood floor. In this case, you are responsible for the cost difference between the vinyl replacement and the wood floor replacement. Typically, we will have you sign a change order spelling out what the change is, as well as the additional cost incurred. You are expected to pay all, or half at the time you sign the change order and before the work begins. The balance is due upon completion.
If you have damage to your property, Highland Construction and Restoration is here to help.