We’re Your Carrollton, TX Property Damage Insurance Claim Experts
Every storm season, there’s an insurance carrier who’s either tightening the requirements for a total loss or underestimating the cost of replacement and repairs.
Having an experienced Texas contractor negotiate on your behalf can be the difference between having to hire a lawyer and getting the compensation you deserve. Our negotiators understand these practices and take a friendly and professional, yet assertive approach to handling all interactions with insurance adjusters.
Our 10-point, no cost, no obligation storm damage assessment takes the guesswork out of filing a claim. We won’t recommend you file a homeowners claim without first documenting all of the damage present, as well as any potential out of pocket costs that won’t be covered by the insurance settlement.
What You Can Expect When Filing a Storm Damage Insurance Claim With Our Assistance
- Call Moore Construction Co. to schedule a no cost, no obligation 10-point damage assessment. We’ll provide a detailed report listing all storm-related damage with pictures.
- Sit down with your Moore Construction Co. representative and review the assessment to determine if the repairs will exceed your deductible requiring an insurance claim.
- Call your insurance carrier with your policy number, date of loss and type of claim (wind, hail, etc.).
- An adjuster will contact you to schedule an assessment of the damages. Provide your Moore Construction Co. representative with your adjuster’s name, cell phone and date of assessment.
- Your representative will meet the adjuster at your home to exchange damage notes and ensure nothing is overlooked.
- The adjuster will estimate damages and release the ACV check.
- Your Moore Construction Co. representative will estimate damage to repairs and compare it to the insurance settlement.
- You will choose your shingle colors and discuss any desired upgrades
- Upon receipt of your ACV check, you will either physically take the check to the mortgage company or mail it off for endorsement.
- Upon mortgage endorsement, or if not needed, you will contact your Moore Construction Co. representative to schedule the project.
- Make home accessible for installers and be prepared for an early start.
- Upon completion of the project, your Moore Construction Co. representative will perform a quality control inspection and cleanup walk-through with you.
- ACV or personal check due after walk through with homeowner
- Your Moore Construction Co. representative will submit a completion certificate to the insurance company and they will call to confirm work has been completed.
- Depreciation check is mailed to you whereupon you have it endorsed if needed and final payment is made to Moore Construction Co.
- 5-Year No Leak Workmanship warranty is issued
Insurance Claim FAQ's
How long do I have to file a claim?
Typical policies require a claim must be filed within one year of the loss. All policies will have this information and you can also contact your agent for clarification.
How quickly must they make a determination?
Upon filing a claim, your insurance has 15 calendar days to acknowledge receipt of your claim. Within 15 business days (30 days if the company reasonably suspects arson) after receipt of all requested information, the company must approve or deny your claim in writing.
How quickly must they pay the claim?
Upon approval of your claim, your insurance company must pay the claim within 5 business days.
Do I have to accept the loss settlement from the insurance company?
You have the right to reject any settlement amount, including any unfair valuation, offered by the insurance company. If you reject a settlement offer, your options include continuing to negotiate with the insurer or pursuing legal remedies, such as mediation, arbitration, or filing a lawsuit. You have the right to have your home repaired by the repair person of your choice.
Can filing multiple claims be used to deny me insurance?
Your insurance company cannot use claims you filed as a basis to non-renew your policy unless:
- You file three or more claims in any 3-year period; and
- Your insurer notified you in writing after the second claim that filing a third claim could result in non-renewal of your policy.