WHAT HAIL DAMAGE LOOKS LIKE

WHAT WIND DAMAGE LOOKS LIKE

STEPS OF AN INSURANCE CLAIM

1. CALL BLUE LINE EXTERIORS TO HAVE YOUR PROPERTY INSPECTED FOR HAIL/WIND DAMAGE

2. IF DAMAGE IS PRESENT, RECEIVE A FULL PHOTO REPORT OF ALL DAMAGE OBSERVED

3. DETERMINE IF THE AMOUNT OF DAMAGE PRESENT JUSTIFIES FILING A CLAIM. ALWAYS MAKE SURE TO MAKE THE BEST DECISION FOR YOU AND YOUR FAMILY. KEEP IN MIND THAT YOUR ONLY OUT OF POCKET COST IS YOUR DEDUCTIBLE AND OR ANY UPGRADES OR ADDITIONAL WORK THAT YOU CHOOSE, AS LONG AS YOU HAVE AN RCV POLICY (REPLACEMENT COST VALUE) AS OPPOSED TO AN ACV POLICY (ACTUAL CASH VALUE). ON ACV POLICIES, INSURANCES COMPANIES DO NOT COVER THE DEPRECIAITION SO YOUR OUT OF POCKET COMMITMENT WILL BE HIGHER.

4. CALL YOUR INSURANCE’S CLAIM LINE TO FILE A CLAIM

5. SCHEDULE THE DATE & TIME FOR THE ADJUSTER MEETING THAT WORKS FOR BOTH YOU AND YOUR CONTRACTOR. ***ALWAYS HAVE YOUR CONTRACTOR PRESENT FOR THE ADJUSTER MEETING

6. WHEN THE ADJUSTMENT IS COMPLETE, THE ADJUSTER WILL INFORM YOU ON THE AMOUNT OF DAMAGE. DON’T WORRY IF THEIR DAMAGE REPORT DIFFERS FROM YOUR CONTRACTORS. IF YOU ARE WORKING WITH AN HONEST CONTRACTOR, THEY WILL BE ABLE TO DETERMINE WHAT IS JUSTIFIABLE DAMAGE AND WILL SUPPLEMENT ANY ADDITIONAL ITEMS ON THE BACK-END

7.  ONCE YOU HAVE RECEIVED THE INSURANCE ESTIMATE/SCOPE OF WORK, PROVIDE A COPY TO YOUR CONTRACTOR

8. OUR TEAM WILL THEN REVIEW THEIR ESTIMATE AND SUPPLEMENT FOR ANYTHING MISSING OR PRICED LOW. KEEP IN MIND, THIS PROCESS CAN GO QUICKLY OR IT CAN GET DRAWN OUT, DEPENDING ON EACH INSURANCE COMPANY/ADJUSTER. 

ON A SIDE NOTE: WHEN DEALING WITH A CLAIM THAT IS ONLY PAYING PARTIAL PAINT, SIDING, ETC AND YOUR CONTRACTOR AGREES WITH THE SCOPE OF WORK, THIS IS A GREAT TIME TO CONSIDER THOSE UPGRADES ON THE FULL EXTERIOR AS YOU ARE ALREADY GETTING COMPENSATED BY INSURANCE FOR A PORTION OF THE WORK. TYPICALLY INSURANCE COMPANIES WILL GIVE YOU 1-2 YEARS TO COMPLETE THE WORK SO TAKE YOUR TIME AND DO IT RIGHT

9. ONCE THERE IS AN AGREEMENT BETWEEN YOUR CONTRACTOR AND INSURANCE COMPANY, IT IS TIME TO SCHEDULE THE WORK!

DEPOSITS ARE DUE UPON DELIVERY OF MATERIALS OR START OF EACH PROJECT AND REMAINING BALANCE DUE ONCE YOU HAVE RECEIVED DEPRECIAITON REIMBURSEMENT FROM INSURANCE

TYPICAL DURATION FOR EACH TRADE

ROOFING – TAKES 1-2 DAYS TO COMPLETE DEPENDING ON COMPLEXITY. MORE FOR LARGER OR DYNAMIC ROOFS

SIDING – PARTIAL 1-2 DAYS / FULL 3-5 DAYS

PAINTING – 1-4 DAYS

GUTTERS – HALF DAY

WINDOWS – 1-4 DAYS

10. AFTER EACH TRADE IS COMPLETE WE WILL NOTIFY YOUR INSURANCE COMPANY OF COMPLETION. THEY WILL THEN RELEASE DEPRECIAITION AND YOUR CLAIM WILL BE CLOSED

11. INVITE THE FAMILY OVER FOR A BBQ AND ENJOY YOUR NEW EXTERIOR RESTORATION!

EXPECTED CLAIM DURATION

SIMPLE CLAIMS 1-3 MONTHS

COMPLEX CLAIMS 3-12 MONTHS

WE UNDERSTAND THAT THIS CAN BE A LONG AND EXHAUSTING PROCESS FOR YOU. OUR COMMITMENT TO YOU IS THAT WE HANDLE YOUR PROJECT DILIGENTLY AND MAKE IT AS STRESS FREE AS POSSIBLE!