Insurance
Claims
Navigating insurance claims can be overwhelming, but at Origin Construction, we provide the expertise and support you need to ensure a smooth and hassle-free process.
Hurricanes, Tornados, or Strong Winds
Hail Damage
Heavy Snowfall & Ice Damage
Fallen Trees & Storm Debris
Water Damage
Fire Damage
What is Insurance Restoration?
Insurance is a communal system that takes care of those affected by disaster, taking the worry of financial hardship out of the equation when it comes to catastrophic loss.
Insurance restoration is when an insurance company pays for the repairs by construction professionals on a home or business in the event of specific types of damage, often severe weather-related, as opposed to damage from normal, expected wear-and-tear.
About 1 in 20 insured homes has a claim each year.
Insurance Policy Types
Homeowners insurance policies generally cover destruction and damage to a residence’s interior and exterior, the loss or theft of possessions, and personal liability for harm to others. We will primarily cover destruction caused by hail and wind to the exterior.
Actual Cash Value
ACV is the basic level of coverage. In simple terms, the insurance company pays out the value of what was damaged based on what it was currently worth, not how much the property owner paid for them. Claims under this policy have the depreciation deducted
Replacement Cost Value
RCV is the more popular policy because it covers the ACV without deducting depreciation. This policy is recommended because it doesn’t just cover the value of the home, it provides coverage to rebuild your home up to the original value.
Guaranteed Replacement
Guaranteed (or extended) replacement cost/value is the most premium, inflation- proof policy. It’s similar in structure to the Replacement Cost coverage, however this policy pays out whatever it costs to rebuild the home, even if its more than the policy limit.
Visually inspect the roof for cracked, torn, bald, or missing shingles
Scan the roof for loose materials or wear around chimneys, vents, pipes, etc.
Look out for excessive 3 shingle granules in gutters. This is an indicator of advanced wear
Examine downspouts are secured. Ensure drains are open and allow water to flow and gutters and downspouts are free of obstructions.
Inspect your Roof
Before the worst happens.
If the roof has experienced heavy storm damage, you may need to question whether the roof needs to be totally replaced.
Hail Bruising
Shingle Curling
Missing Shingles
Frequently
Asked Questions
When a roofing professional conveys a strong knowledge of the insurance claims process he/she can instill confidence in the homeowner by ensuring a more complete payout and proper restoration. Here are some popular homeowner questions during the claim process.
What should my first steps be?
If your home has been damaged or destroyed, you are likely to feel overwhelmed by the loss and by the repair, replace and recovery process that lies ahead. If your property was insured, that insurance policy is the best vehicle to get you back home. If this is your first experience with a large insurance claim, recognize that it’s basically a business negotiation.
When it comes to insurance lingo, laws and construction estimating… you’re not on a level playing field with the experienced insurance company. But although you may be unfamiliar with your policy and the process in general, there are laws and rules that give you rights. Use them to negotiate and recover the full benefits you’re entitled to under the policy you paid for.
Will you cover my deductible?
No, we will not cover your deductible. Roofing contractors who say they will cover the deductible are committing insurance fraud. We pride ourselves in being honest and fair with all of our customers and therefore we do not compromise on our ethics.
Do I need bids from other contractors?
If your home has been damaged or destroyed, you are likely to feel overwhelmed by the loss and by the repair, r
No, you do not need to get more than one estimate. As the homeowner you can choose the contractor you want to do the repairs. Your insurance company may suggest to get more than one estimate, however, if you get multiple estimates your insurance company will most likely go with the cheapest estimate and not the best quality option.
eplace and recovery process that lies ahead. If your property was insured, that insurance policy is the best vehicle to get you back home. If this is your first experience with a large insurance claim, recognize that it’s basically a business negotiation.
When it comes to insurance lingo, laws and construction estimating… you’re not on a level playing field with the experienced insurance company. But although you may be unfamiliar with your policy and the process in general, there are laws and rules that give you rights. Use them to negotiate and recover the full benefits you’re entitled to under the policy you paid for.
How can I get a fair settlement?
If you’re like most people, your home is your biggest asset. Insurance companies often read their policies with a bias that is too much in their own favor. Don’t accept an insurance company’s calculation of what they owe on your claim without getting other opinions.
Do you follow price guidelines?
The insurance company will only pay according to its “pricing guidelines” but they don’t match what local contractors are charging —what can I do? Computers don’t repair and build homes… licensed contractors do. Your insurance company owes you for what an experienced and reputable contractor would charge you to do the required work to put your home back to its pre-loss condition. Insurance companies use guideline pricing and “Xactimate” (computerized home replacement cost estimating software) to predict how much materials and labor should cost. But an estimate prepared by a qualified local, licensed and bonded contractor who has visited the loss site and reviewed information about the pre-loss structure is generally the most reliable basis for a claim settlement.
Roof Storm Damages
Storm Damage
Swift and reliable solutions
Hail Damage
Quick and exceptional repairs
Wind Damage
Stay safe with unpredictable weather conditions
Insurance Claims
We assist you with your home insurance