Revered Construction is your expert in water damage restoration, fire damage, storm damage and much, much more.
No one wants to file an insurance claim. It means something has happened to damage your precious home, which is something no homeowner wants to go through. But with the right, trusted contractor, restoring your home after a damaging event like a storm, fire, flood or fallen tree can be an opportunity to refresh its look and find a silver lining in what seems at first like a dark cloud. With Revered Construction, you can be assured we are fully equipped and prepared to make your home as good as new in a timely manner.
THE INSURANCE RESTORATION PROCESS
STEP 1: PROPERTY INSPECTION
The first part of the claims process is an inspection of your property. A trained Revered Construction Field Supervisor will view the damage related areas and determine whether your claim needs to be filed. It isn’t as easy as it may sound–it takes training in this field to detect damage, some of which may be hidden. As a General Contractor and insurance claim specialist, we’re trained to know industry standards. There are certain criteria and guidelines set to follow that will determine if it is a replacement or a repair.
STEP 2: SUBJECT TO AGREEMENT
After inspection, your Revered Construction Field Supervisor will sit down and explain the results and if there is enough damage to make a claim. The Field Supervisor will review all steps of the insurance restoration process and explain the form that allows us to go to work for you, the homeowner. This form is called the “Contract Agreement”. The Agreement states that you’re not under any obligation unless your claim is approved by the insurance company and they’re willing to pay for the repairs. The “Contract Agreement” also states that the only cost to you is the insurance deductible. Revered Construction requires that we have this approval in writing before discussing the claim with an adjuster.
STEP 3: FILING THE CLAIM
Unfortunately, Revered Construction cannot file a claim for you. As the homeowner, you’re the only one that can file. But it’s not difficult–all that is required is for you to call your insurance company and let them know that your home has sustained damage. Once you have a claim number, we can assist from that point forward. While filing, you can also let them know you’re working with Revered Construction and that you would like their adjuster to meet with your Revered Construction Field Supervisor when they come out. This saves everyone time and the adjuster won’t need to make several trips, which helps us restore your home to its original condition as quickly as possible.
STEP 4: MEET THE ADJUSTER
We will meet with the adjuster and point out all the damages that were found. The adjuster will create a breakdown as well. You’ll be comforted to know that both Revered Construction and the adjuster work from the same guidelines. When the insurance adjuster and your Revered Construction Field Supervisor are following the same guidelines, it’s easier to come to an agreement. Additionally, we have experience working with all major insurance companies. Our Field Supervisors are trained to understand the language of insurance policies, which allows us to communicate well with the adjuster. When an accurate scope of work is confirmed by an adjuster and a Revered Construction, the scope is placed into the software program, which generates a complete line-by-line itemized pricing for the project. Set standards and confirmation from both the insurance adjuster and Revered Construction gives the homeowner peace of mind knowing everything is accurate and everyone agrees.
STEP 5: SCOPE OF WORK
Once your claim is filed, Revered Construction Field Supervisor will return to your home and go over your insurance paperwork “scope of work”. By definition, a scope of work means a list of broken items and the measurements of the damaged areas. We don’t concern ourselves with pricing at this time. Our focus is on what’s most important; making sure you get all you’re entitled to receive. This generally takes about one hour
STEP 6: FUNDING THE PROJECT
DEDUCTIBLE: Once we receive approval from your Insurance Company, two things will happen simultaneously. The Insurance Adjuster will tell your Insurance Company to write you a check for the Actual Cash Value for your claim. While you are waiting for your check, you and your Field Supervisor will pick out your building materials and colors. Also, our Field Supervisor will collect the insurance deductible check witch is required by [State law (Minn. Stat. § 325E.66) prohibits contractors from offering to pay homeowners’ insurance deductibles or offering anything of value as encouragement to enter into a contract to repair damage covered by an insurance claim . This should be your only out-of-pocket expense.
MATERIAL DROP: We take all compiled information back to our office and prepare all work orders. At this time, Revered Construction will order the materials. Once materials have arrived on site, we will inventory and confirm that the order is correct. At this time, you will give the Field Supervisor the first check received from the insurance company. This amount is equal to the Actual Cash Value paid by the insurance company.
FINAL INVOICE: We will send the final invoice to the insurance company for the remaining funds. It generally takes two to four weeks for the final check to get back to you. All funds are sent to you, because it’s your claim. Due to length of time it takes for the final check to arrive, you’ll have plenty of time to make sure all is well, and nothing was forgotten. At this time, you give us the final check from the insurance company
STEP 7: PRE-CONSTRUCTION
Revered Construction understands that communication and customer satisfaction are essential, since it’s virtually impossible to have one without the other. Because we realize the importance of being prepared for the arrival of our crews, we’ll call the night before construction starts to inform you that the Project Manager and his crew will arrive in the morning.
STEP 8: SITE PREPARATION
Upon arrival, the Project Manager will check in with you, and then the crew will prepare your home for safety and protection from damages. The Project Manager will also inform all of your neighboring homeowners that construction is beginning and answer any of their concerns to put their minds at ease, at this point forward all construction will be supervised by your Project Manager. During this meeting, we’ll address any special instructions or concerns you may have.
STEP 9: CONSTRUCTION BEGINS
Your Project Manager will organize the crew and point out the specifics of the job. The crew will provide protection for needed areas, and safety meeting will take place with our crew.
STEP 10: DURING CONSTRUCTION
The first step is to remove all the old and damaged material, making every effort to keep a clean job site. Second step is rebuilding and getting your home back to the way it was before the damage happened. Third step a final overall cleanup will be performed.
999STEP 11: POST CONSTRUCTION
After the completion of each trade, your Project Manager will go over an inspection check list with you to make sure you’re completely satisfied with every aspect of our work. It is important that you complete an inspection with your Project Manager to make sure nothing has been overlooked and the restoration project meets your satisfaction and our high-quality standards. This acts as a confirmation that Revered Construction has fulfilled our promise to you.
STEP 12: FINAL
After you receive your final check from the insurance company the Field Supervisor will collect the final balance due on the project. The Field Supervisor will turn the check in to our office and your final Workmanship Warranty will be sent to you. Our goal is to provide complete customer service from the initial inspection through the post-construction review.