Navigating the insurance claims process can be overwhelming. With CATCO's help, property owners can quickly and easily work through the insurance process to repair and restore property quickly.
Begin with your insurance agent
Call your insurance agent to initiate the claim process. In many cases, calling or emailing your agent directly is helpful. In emergency situations or after hours, call the 800 number associated with your insurance policy. In most cases, it is best to speak with your agent who will then provide you direction and - in some cases - submit a claim in your behalf.
Address emergency response; property adjuster is assigned
In the case of certain or significant property damage, your home or property may need immediate attention. If windows are broken, the roof is damaged, standing water exists, or your sewer has backed up, you will need the emergency response team from CATCO to mitigate the damage and secure your property.
While some insurance companies may take a different approach, most will issue you a claim number and identify an adjuster at this point. In most instances, the adjuster will visit your home or property to inspect the damage first-hand.
Review your policy
It is important that you review your insurance policy, talk with your carrier and submit your claim without delay. One of the often overlooked items within a property policy is the responsibility of the property owner to prevent further damage from occurring. Because your property may not be habitable, and additional costs may be incurred for food, lodging, etc. it is also important to keep track of all associated expenses. These expenses can be submitted as part of the claim for reimbursement.
CATCO's experienced and certified team will provide an initial inspection of the damage and prepare an estimate for you. At this point, CATCO can expedite the process and submit the estimate directly to your insurance company.
Work is complete. What now?
When the repair process is nearly finished you may be wondering about how billing is handled. In most cases, a check will be issued directly to you. You are then responsible for payment to the restoration contractor upon completion of the work.
Ultimately, your insurance provider may hold you responsible for paying your deductible, which is usually collected by the selected restoration contractor before work begins. Be familiar enough with your policy to ensure that the proper deductible is paid.
CATCO works with property owners, helping them to navigate through the insurance claims process quickly and efficiently. Feel free to contact us with questions or concerns and we will see that we help you as quickly and efficiently as possible.