insurance-claimsWhen storm damage occurs, going through the insurance process alone can be an absolute nightmare. Answering never ending calls, organizing stacks of papers and taking time off work to meet with adjusters will make you feel like the nightmare is never going to end. But it doesn’t have to be that way. Since 1996, AHS has specialized in Insurance Recovery and has helped thousands of homeowners have a stress free experience. Working side-by-side with your insurance company, we handle each step of the claims process when your insurance needs our assistance providing necessary documentation upon their to expedite the , that way you can get back to life as usual.


After a severe hail or wind storm it’s a good idea to have a professional certified inspector perform a thorough survey of your property. Hail and wind damage is almost impossible to see from the ground and can cause major issues if ignored. When you call AHS and schedule a free no-obligation inspection, you will be greeted promptly on the date you chose by one of our trained specialists. After introducing themselves they will perform a 43 point inspection, which will include your roof, siding, gutters, decks, awnings, and any other items that could possible have been damaged during the storm. The average time for an inspection is around 15 to 30 minutes. During this time, we encourage you to peruse through our company customer folder, which will be provided to you at the beginning of the inspection.


 Once the AHS field rep is finished inspecting the property, they will then go over the entire claims process with you and answer any and all questions and concerns you may have. After your rep is finished documenting all the damage in his report and answering all your questions,  you you will need to place your claim. If you like, you can also save time by placing a claim on-line. During the call, your AHS rep will sit with you tohelp you answer all questions related to our inspection related to the storm and also give your insurance company a detailed description of what was found during the inspection. Last, your representative will  meet with an insurance adjuster upon their request to verify all the damaged items found on your property and also document your damage for you. After calling in your claim, your rep will make sure that you have all your documents neatly organized into your own personal customer folder.


 Now that your claim has been filed, it will be assigned to an adjuster who will handle your claim from then on. Within 24 to 48 hours, the adjuster will then contact you to schedule a time and day to come out and inspect the property to verify the damage found by your AHS Field Rep. After a date is set, call your AHS Rep and notify him of the time and day. It’s extremely important that your Rep be present the day of the meeting to make sure that all the damaged and necessary items to restore the property are provided upon request from your carrier. When the inspection is complete, both your adjuster and AHS Rep will speak with you together to clarify which items were approved for replacement.


 After the adjusting process, you will receive an itemized work scope detailing all the estimated repairs that are to be completed. Once you receive your work scope, your project manager will meet with you to go over all the documents and discuss the details of the work that is going to be completed. During this time your project manager will showcase to you all the various types of shingle and siding samples available. This part is also referred to as “Picking out your colors”. Before your work order is complete, your project manager will perform a walk around of the property to make notes and take pictures of any issues that may arise during the install.


What is a Claim Supplement? A claim supplement is a charge that must be added to a claim for any items omitted, overlooked, under paid or discovered before or after the project begins. After your work order has been completed, your AHS Rep will process all the paperwork, including a copy of your itemized revised estimate to your carrier upon their request. While your work order is being processed AHS has a highly trained Estimating Department that will carefully review the work scope for such things as missing damaged items, incorrect pricing or measuring, and even general contractor overhead and profit. This will ensure you get the  funds needed to restore your property. If any missing items are found, our estimating department will then submit a revised estimate to your insurance carrier to make the necessary corrections. After the corrections are made you will then receive a revised estimate from your insurance carrier detailing the alterations, along with a check for the amount of the adjusted items approved.


 After receiving payment from your insurance carrier, you might notice that your mortgage lender is also listed as one of the payees? If so, your AHS representative will assist you in filling out a Mortgage Authorization Form to send to your insurance company. Please keep in mind that having your mortgage company as a payee can slightly slow down the close out process. If needed, you might be asked to assist in a 3 way call to your carrier in order to speed up the process. If your curious as to why your mortgage carrier is listed on the check(s), its simply to ensure that all the estimated work has been completed. As a lender, they too have an interest in your property and the purpose of the mortgage authorization form is to protect all parties involved in the restoration process.


 After your work order has been completed and processed. Our install department will then begin ordering the material needed for your project. During this time, please remember that the weather plays a big factor as far as which day you will actually be getting installed. Our main concern is to perform a superior installation, and to do so we must have suitable temperatures and working conditions. A few days before your install is to take place, you will receive a call from our installation department, notifying you of the day your material is to be dropped off, as well as your install date. During your install, your project manager will be present to make sure that everything is running as smoothly and efficiently as possible. Your Project Manager will also inform you of anything unforeseen, such as rotten wood replacement. During your restoration process, if you are having multiple trades done, they will be installed on separate days in the following order. Roof, siding, gutters, punch out, etc… This is to prevent any damage occurring to any newly installed material.


 Once the work has been completed, your AHS Rep will assist you in filling out a Completion Certificate. This completion certificate, along with any necessary invoices and documentation will be sent to your insurance carrier, requesting that your depreciation funds be released. Your home and most of its contents may lose value over time due to factors such as age and normal wear and tear. This loss in value is commonly known as “Depreciation.” Under most insurance policies, claim reimbursement begins with an upfront payment for item(s) damaged at the time of the loss. This is whats referred to as ACV or Actual Cash Value. If you have replacement cost coverage included in your policy, you will then receive additional money to cover the depreciation for items damaged after the work has been completed.


It’s been a fun ride, but like they say… all good things must come to an end. At least until your ready to do that next home project right! That said, now that your install is complete and all your depreciation has been recovered, It’s time to say good bye for now and leave you with your Piece of Mind Warranties. Depending on which trades you had done to your home, not only will you be receiving a 5 Year Warranty from your new Family at American Home Specialists, but a Manufactures Warranty as well. After your total balance is paid in full, you can choose to have these warranties sent to you via email or post.


Placing a claim online is fast and easy. All you need to do is click on the link below and follow the instructions to file your claim.

Allstate   Country Financial    Liberty Mutual    Safeco    The Hartford    
American Family   Erie Insurance   Nation Wide   State Auto   Travelers  
American National   Farmers   Progressive   State Farm   USAA
Amica   Foremost  

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