The Insurance Process
How a typical claim runs.
- Day 0-1: Free on-site damage assessment. We photograph everything and write a scope sheet listing what needs to be repaired or replaced and why. Free, no claim filed yet.
- Day 1-3: You file the claim. Call your insurance carrier, give them the policy and date of damage, request an adjuster visit. Reference our scope sheet to support your call.
- Day 5-15: Adjuster meeting. We can be present to walk the roof with the adjuster, which usually shortens the back-and-forth significantly.
- Day 15-30: Claim approval. Insurance issues an ACV (actual cash value) check minus your deductible. We verify their scope matches reality and file a supplement if anything is missing.
- Day 20-45: Repair or replacement. We schedule the work, you pay your deductible, insurance pays the rest.
- Day 45-60: Final invoice and depreciation release. Insurance releases the depreciation withhold (the difference between ACV and replacement cost value) after completion.
Most West Michigan storm claims we handle settle within 30 to 60 days from filing to final payment. Poor documentation is the number-one reason claims drag past 90 days, which is exactly what we fix by being involved from day one.