Understanding the Claim Process

For people experiencing a disaster for the first time, navigating through your insurance company’s claims process can be cumbersome. For more than 20 years, Platinum Restoration has worked closely with property owners and insurance companies to complete the process quickly and efficiently.

Follow this five-step guide to help simplify submitting and working through your claim:

You can submit your claim through your insurance agent and often through a select representative of your insurance provider. Typically, you may submit your claim in several different ways, including over the telephone or over the internet. In most cases, you will talk to your agent who then provides you with direction and, in some cases, submits the claim on your behalf.

Following the submission and filing of a claim, your insurance company will assign a property adjuster to assess your claim. The assigned property adjuster will usually meet you at your home or property to inspect the damage and then move forward with settling the claim.

Understanding your insurance policy is a vital step to the process. One of the items often overlooked within a property policy is the necessity and responsibility of the property owner to prevent further damage to the property. With that said, it becomes the homeowner’s responsibility to communicate with your insurance carrier.

Recognize that in most cases, it takes time for your insurance company to process and settle the claim after submission. Several factors contribute to the length of processing time. Some claims may take as little as days, and others take months to go through from beginning to end.

Regardless of time frame, Platinum acts quickly to minimize the impact on your home and family. We work with your insurance provider on every aspect of your claim to save time and expedite the repair process. Our goal is to return your property to pre-loss condition as soon as possible.

When the repair process winds down and restoration nears completion, you may wonder about how to handle billing. In most cases, the insurance provider will pay the restoration contractor directly. However, in some instances, the provider issues a check to the property or homeowner. In this situation, the owner would make the payment to the restoration contractor upon completion of the work.

Ultimately, your insurance provider may hold you responsible for paying your deductible, usually collected by the selected contractor before work begins. Familiarize yourself with your policy to ensure you pay the proper deductible, if required.

Platinum Restoration has over 20 years of experience working with insurance providers and homeowners. Feel free to contact us with any questions or concerns you may have regarding claims. Call us at (440) 327-0699 or send us your contact information for a call back.