Property Insurance Claims 101

Property Insurance Claims 1012018-05-21T21:34:40+00:00

Omnipresence is happy to give you a free roof inspection for damage that may have occurred to your home. One of our fully trained and experienced representatives can inspect your property before you file a claim. This way, you don’t risk your insurance company dropping your coverage because you filed an unnecessary claim. It’s smart to get a professional opinion before jeopardizing your low deductibles and reasonable rates.

IT’S AS EASY AS…

  1. CALL A REPUTABLE CONTRACTOR.
  2. HAVE THE CONTRACTOR DETERMINE IF THE PROPERTY WAS DAMAGED: If that damage exceeds your deductible. (This is important to minimize your claim history, which could cost you down the road, even if your claim is denied!).
  3. FILE A CLAIM WITH YOUR INSURANCE AGENT: If the damage exceeds the deductible. Determine when the adjuster will be available to meet with you AND your contractor
  4. AUTHORIZE THE SELECTED CONTRACTOR TO REPAIR: After you, your insurance company, and the contractor determine the damages and agree upon the cost of the repairs. Discuss time frames, expectations, and payment terms before authorizing the contractor to proceed.
  5. THE JOB IS SCHEDULED AND THE ROOF IS BUILT: The time of replacement can vary due to weather, home size, and pitch of roof. Read the “Construction Zone” guidelines to know what to expect.
  6. SEND INSURANCE THE CERTIFICATE OF COMPLETION: After the work has been completed, get a Certificate of Completion from the contractor and send this to your insurance agency in order to receive the RCV (Final) payment. Some companies will assist you with this.