What to expect during my insurance claim?

What to expect during my insurance claim?

At Miller Restoration we want to take the worry out of the claims process and provide you with clear understanding and provide  answers to some of the questions you may have.

 

·   When we get called by a client or an insurer to respond, our first step is to make contact with you in order to confirm a time to come and assess the situation. Our role is to help you, and also to provide information back to your insurer.

 

·   Once on-site, the estimator assigned to your claim will determine if emergency services are required to help mitigate your loss by boarding up, securing, drying, or any other means of protecting you or the property.

 

·  The Estimator will be your direct contact and liaison between you and your Insurance Company/Insurer. You will be provided continuous contact and updates throughout the process of your loss. The Job coordinator will be your liaison between you and the trades involved with repairs.

 

·   With your written authorization, our emergency response crew will attend the loss, and immediately start the necessary work.

 

·   Emergency work can take anywhere from a few hours (with board ups, wind and impact damages), to 3-7 days with water and sewer claims, which will include setting up commercial air movers, dehumidifiers, water extraction, content handling/inventory and required tear out

 

·   DEHUMIDIFIERS reduce the humidity which in turn increases the rate of drying. AIR MOVERS are designed to increase the rate of evaporation which in turn increases the rate of drying. This is why we ask that all equipment be left on at all times in order to dry your structure quickly.  Please do not turn off the drying equipment without calling our office first. The technicians will need to monitor daily to assess the drying process. There is an hour meter on the equipment to ensure their run time. They will remove the equipment once your structure is dry.

 

·    After or during the emergency services, the estimator will re-attend your property to scope the repairs necessary to return you to your "pre-loss" condition. If no emergency services are required, the estimator will scope the loss at the time of the initial Inspection.

 

·   The Estimator will then build a detailed repair estimate and submit it to your insurer to approve. Once estimate is approved by the insurer, Miller Restoration will arrange to commence repairs with your written authorization. If we are advised that the repairs are subject to your deductible then we will require the deductible amount to be paid prior to any repair work beginning.

 

·    Any changes to finishes (upgrades or allowances) should be discussed with the Estimator or Project Coordinator before a work completion is signed off. Change of finishes or upgrades may result in additional charges.

 

·    The time expected to complete the repairs will depend on the severity of the loss, scheduling of trades involved, prompt material selection by insured and availability of any applicable special materials required.  The estimator should be able to provide a tentative start and completion date.

 

·    Once repairs are completed, you (the insured) will be required to sign a Certificate of Satisfaction, which certifies to your insurer, and contractor, that you are satisfied with the work that was completed. At times, insurance companies will send payment   with a co-payable cheque which we would require you to endorse for payment.

 

·     You will be provided a brief questionnaire to provide valuable feedback to our management team.

 

·     All of our employees and trades are professional, courteous and friendly; all of them are bondable.

 

                     Whether your claim is large or small, we understand that the situation will present many challenges in your usual daily routine.  It is our goal, at Miller               Restoration DKI, to return your lives and property back to normal as quickly and efficiently as possible.