With over a decade of experience and respected relationships with a variety of insurance carriers, NAV Construction can help with any part of the insurance claim process.
Most owners never need to file a claim on their home or business, but when they do the process can be daunting. From making sure everything that was damaged has been accounted for, to finding the right people to do the work, the process can sometimes take several months. Here at NAV we take that headache and create a smooth process so you can focus on your everyday life.
FILING A CLAIM
There are many steps in the claims process but the most important is the decision to file a claim. What may seem like a catastrophic water disaster in your basement may only be a simple clean-up which would cost less then your deductible. Evaluating the damages and possible costs prior to filing a claim is a good way to prevent an unnecessary claim on your policy. Our team at NAV has experienced everything from flood to fire, trees on houses to raccoons in the attic and everything in between. We can properly access the situation, help with any temporary repairs that may be needed and advise on the next steps that need to be taken.
Once a claim has been filed with your insurance carrier you will be assigned a claim number and a claims adjuster will contact you to set a time to look at the damages. Depending on which insurance company you have, the adjuster will either be an employee of the company or a subcontractor representing the company. In either case, he or she will spend some time evaluating the damages and determining if your policy will cover the costs of repair. If your policy will cover the repairs, they will then create a detailed scope of repairs along with an estimated cost. You as the policy holder will then be given a detailed report showing all the items that need to be repaired or replaced. The report may be confusing and should be reviewed with the adjuster. As part of our process, we provide a thorough review of the adjuster's findings so that everyone is on the same page.
FINDING A CONTRACTOR
Finding a contractor to complete the repairs correctly and in a timely manner may be the hardest part of the process. Every insurance claim is different and may require several different trades to complete the project i.e. roofer, painter, electrician etc. A good contractor will want to review the scope of your claim to make sure it is accurate and nothing has been overlooked. They should be familiar with all aspects of construction so nothing is missed. In situations where something has been left out of the adjuster's estimate, it should be the job of the contractor to make sure proper documentation is submitted so all items are fully paid for by the insurance company. Our process at NAV makes interactions with the insurance company smooth and efficient so that no time is wasted before repairs can begin.
REPAIRING THE DAMAGE
Whether your damages are minor or catastrophic, we understand that getting your property back to its pre-loss condition is a top priority. At NAV we make sure that once a project is started, we don't stop until the job is done. Our team has extensive experience in all aspects of construction and construction scheduling which makes us a top choice for handling projects both big and small. We also keep you the property owner informed of everything along the way so you will have peace of mind throughout the process.
FINALIZING THE CLAIM
Once repairs are completed, additional paperwork may be required to formally close the claim with your insurance carrier and release any additional funds that may have been withheld. We will provide your insurance company with everything they in order to close your claim and release all remaining money.
The insurance claims process can be very confusing and time consuming, but it doesn't need to be. Let NAV handle it all so you can focus on what matters to you.