JB’s Contracting and Comprehensive Insurance Claims Assistance
Experiencing a loss from a pipe burst, fire, hurricane, or other traumatic events can be overwhelming. During such times, navigating the complexities of an insurance claim while dealing with emotional trauma, finding alternate housing or business locations, or managing daily responsibilities can add to the stress. It's crucial to have expert support to guide you through this process, ensuring your focus remains on recovery and moving forward. JB's Contracting offers specialized assistance in managing your insurance claim from start to finish, considering three vital points:
Understanding Your Policy and Proving Your Loss
Complex Policies: Insurance policies are intricate documents filled with legal terms, provisions, and constant changes. Understanding and satisfying the conditions they set forth is crucial, as failure to do so could impact your claim's success. Our Insurance Specialists are adept at navigating these policies, ensuring you meet all requirements, fully document your loss, and secure the compensation you deserve.
Expert Representation: It's essential to remember that insurance company adjusters represent their interests, not yours. Policies can be misinterpreted, and statutory laws overlooked. JB's Contracting Insurance Specialists bring a wealth of knowledge in current building codes, policy stipulations, and the rights you hold as a policyholder, ensuring your claim is accurately represented and maximized.
Streamlining the Claims Process
Time-Consuming and Tedious: Filing and receiving payment on a claim is a rigorous process requiring meticulous organization and documentation. Our process, designed to be thorough and efficient, involves approximately 80 hours of non-repair related legwork for a basic claim, including detailed inspections, estimate preparation, code research, and more. For larger claims, the preparation intensifies, but our commitment to being thorough remains unchanged, guaranteeing you receive the full entitlement under your policy.
Our Step-by-Step Assistance Process
1. Initial Damage Assessment and Mortgage Coordination
Procedure: Conduct a thorough property inspection to document all damages. During this initial visit, we also gather information about any existing mortgage on the property, which is crucial for the claims process. We submit a third-party authorization form to the mortgage company, allowing us to act on your behalf, handling all claim-related interactions and ensuring a smooth process.
Objective: To lay a solid foundation for both the insurance claim and mortgage company coordination, ensuring that all damage is accurately documented and that we have the authorization to streamline the process on your behalf.
2. Comprehensive Estimate Preparation
Procedure: Compile a detailed estimate reflecting the full scope of identified damages, contrasting with the insurance adjuster's initial findings to ensure completeness. This estimate becomes the cornerstone of our negotiation with the insurance company, advocating for a fair and comprehensive claim settlement.
Objective: To prepare an estimate that accurately captures the extent of damages and associated repair costs, serving as a powerful tool in negotiating with insurance providers and ensuring that the claim covers the necessary repairs.
3. Insurance Reassessment Coordination and Mortgage Updates
Procedure: Schedule a reassessment with the insurance field adjuster, presenting our detailed estimate and advocating for an accurate reflection of the damage and repair costs. Concurrently, we communicate with the mortgage company, keeping them informed of the claim's progress and ensuring that they are prepared to process any claim payouts.
Objective: To secure a revised insurance estimate that fully covers the cost of repairs, while also ensuring that the mortgage company is aligned and ready to facilitate the financial aspects of the restoration project.
4. Negotiation for Updated Insurance Estimate
Procedure: Engage in negotiations with the insurance provider, leveraging the reassessment findings to argue for a significant increase in the adjuster's original estimate. Our goal is to ensure that the insurance settlement accurately covers the restoration costs, including managing any discrepancies or additional claims that may arise.
Objective: To obtain an insurance estimate that realistically reflects the repair expenses, guaranteeing comprehensive coverage and minimizing out-of-pocket costs for the client, aside from their deductible (or 'copay') and any desired upgrades.
5. Project Initiation with Transparent Documentation
Procedure: With the insurance estimate finalized, we initiate the repair work, maintaining meticulous documentation of the process. This includes managing any additional repairs or claims and coordinating with the mortgage company to ensure the smooth processing of insurance payouts.
Objective: To ensure the restoration process is transparent and efficient, providing peace of mind to the client by handling all aspects of project documentation and financial coordination with both insurance and mortgage companies.
6. Finalization, Inspections, and Mortgage Company Coordination
Procedure: Oversee the completion of the project, coordinating final inspections required by both the insurance company and the mortgage holder. We handle all final paperwork and submissions to ensure the insurance payouts are processed without delay and that the mortgage company releases funds as required.
Objective: To deliver a fully restored property to the client, managing all logistical, financial, and administrative tasks to ensure a hassle-free conclusion to the project, with the client responsible only for their deductible ('copay') and any costs associated with optional upgrades.
Partnering with JB’s Contracting
Choosing JB's Contracting means securing a partner who not only understands the intricacies of insurance claims but is also committed to advocating for your best interests every step of the way. With our licensed, bonded, and experienced team, you gain access to a wealth of resources designed to navigate the estimating, documenting, and filing maze of insurance claims. We're here to ensure that the process is as seamless and stress-free as possible, restoring not just your property but your peace of mind.
