The first part of the claims process is an inspection of your property. A trained CE Construction Inspector will view the storm related areas and buildings to determine whether or not 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 Exterior 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.
Did you know?
Without the help of an insurance
restoration company, most homeowners
receive only 70% of the capacity of their claim.
SUBJECT TO AGREEMENT
After inspection, your CE Construction Inspector will sit down and explain his results. He’ll review all steps of the insurance restoration process. He’ll also explain the form that allows us to go to work for you, the homeowner. This form is called the “Subject To Agreement”. It states that you’re not under any obligation unless everything is approved by the insurance company and they’re willing to pay for the repairs. It also states that the only cost to you is the insurance deductible. CE Construction is required to have this approval in writing before discussing the claim with an adjuster.
FILING THE CLAIM
CE 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’s required is to call your insurance agent and let them know that your home has sustained storm damage. Once you have a claim number, we can assist from that point forward. While filing, you can also let them know you are working with CE Construction and that you would like their adjuster to meet with your CE Construction Inspector 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 promptly as possible.
SCOPE OF WORK
Once your claim is filed, your CE Construction Inspector will return to your home and do a complete “scope of work”. By definition, a scope of work means a list of broken items and the measurements of the damaged areas. Our focus is on what’s most important; making sure you get all you are entitled to receive. This generally takes about two hours. Some companies charge for this service at the average amount of 10% of your total claim. We never do. At CE Construction, it’s part of earning the right to do your restoration work.
CE Construction will never charge you for scope of work. We want you to get the most out of your claim.
KEEP IN MIND:
MEETING THE ADJUSTER
Your CE Construction Inspector 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 CE Construction and the adjuster work from the same guidelines. The industry standards and criteria for assessing damage are actually set by HAAG Engineering in Carlton, Texas. When the insurance adjuster and your CE Construction Inspector are following the same guidelines, it’s easier to come to an agreement. Additionally, CE Construction has experience working with all major insurance companies. Our Inspectors are trained to understand the language of insurance policies, which allows us to communicate well with the adjuster.
On pricing: Insurance companies do not set pricing. If they did, the settlement amount would be too low and the contractor could not do the job. Contractors don’t set pricing, either. If they did, the charges would be too high and the insurance company would not pay. As a result, there are companies that do research and prepare software on all the different costs of construction. This type of software has become the industry standard for pricing. When an accurate scope of work is confirmed by an adjuster and a CE Construction Inspector, 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 your CE Construction Inspector give the homeowner peace of mind knowing everything is accurate and everyone is in agreement.
FUNDING THE PROJECT
Funding the project is simple, and the complete process is designed for your comfort. Basically, for every action we take, we’ll ask you to do something.
WE: do an inspection of the property, confirming a claim needs to be filed.
YOU: give your approval on the Subject To Agreement, call in the claim to the insurance company and receive a claim number.
SCOPE OF WORK
WE: return and do a complete scope of work and get the claim number. MEET ADJUSTER
WE: contact the adjuster and meet on the property, going over the complete project, making sure you’re receiving all you’re entitled to. We’ll confirm proper funding for the complete project. Upon return, your inspector will go over the complete breakdown of the scope of work and how it’s funded line by line. At this time, your Inspector will furnish material samples.
YOU: pick materials and color and write the deductible check. This should be your only out-of-pocket expense.
WE: take all compiled information back to our office and prepare all work orders. At this time,
CE Construction’s production department will order the materials. Once materials have arrived on site, the Inspector will inventory and confirm that the order is correct.
YOU: give the Inspector the first check received from the insurance company. The amount is equal to the Actual Cash Value paid by the insurance company.
WE: start the restoration of the project. Upon completion, we’ll do a final inspection to assure your complete satisfaction.
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.
YOU: give us the final check from the insurance company.