INSURANCE RESTORATION
Stop paying for your home improvements out-of-pocket.
01
Storm Damage Occurs
Thousands of homes suffer damage from storms, especially from wind & hail storms. Storm damage are considered as Acts of God- an accident or other natural event caused without human intervention that could not have been prevented by reasonable foresight or care.
https://www.thehartford.com/aarp/homeowners-insurance/act-of-god
02
DBE Schedules Inspection
We reach out to both residential and commercial parts of affected communities to schedule free inspections to assess storm damage.
03
Inspection Completion
Then, we will have the damage photographed, documented, and presented to the residential or commercial owner.
04
Contingency Agreement
During this step, the residential or commercial owner will sign a contingency form, agreeing to have DBE Home Improvements as contractor of choice, and authorizing discussion of all claim details and any relevant information with the Insurer as contractor of choice.
05 File A Claim
After signing the contingency agreement with DBE, the residential or commercial owner should file a claim to their homeowner's insurance.
06
Assess Damage
DBE Home Improvements insurance restoration specialists will measure, diagram, and estimate damages.
07 Adjuster Meeting
Insurance adjuster schedules an appointment to assess the property, where the same DBE insurance restoration specialist who inspected the property will meet her/him to assist in damage assessment to ensure you are given a full and fair assessment. The scope of damages will be reviewed by both parties.
08
Claim Is Approved
Adjuster approves claim.
09 Property Owner Recieves Estimate From Insurance
You will receive paper work from your insurer including the estimate for the damages and the 1st check. This check is the Actual Cash Value (ACV) of the part of the property being restored.
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Actual cash value (ACV) is a way to determine the value of your business property that’s getting repaired or replaced after covered damage. Insurance companies calculate ACV by subtracting the depreciation from an item’s replacement cost value.
https://www.thehartford.com/small-business-insurance/actual-cash-value
10
Scope of Work Confirmation
Scope of work confirmed.
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A SoW is a document prepared on behalf of your insurer that outlines the individual items of work that are required to be completed in order to meet your insurance claim for damage to property.
https://assets.crawco.com/docs/CRAW-AU-Customer-Service-Documents-Scope-of-Work-Explained.pdf
11 Materials
Property owner and DBE review product samples and color choices.
12
Installation
The first check, the ACV, is collected by DBE as the materials deposit. DBE will proceed to order the materials; then, proceed with the installation.
13 Construction Completed
Once the construction is completed, the invoice and Certificate of Completion is sent to Insurer for the release of the final check.
14
Final Payment
Final check is forwarded to DBE after received by property owner from Insurer.
15 Warranties
Labor and material warranties are then issued to you, the property owner.
16
Claim Closed
We thank you so much for trusting us with your property, and look forward to working with you again!
