© 2019 By Superior Southern

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How The Insurance Claims Work

Clients Love Our Clear and Easy Process!

  • A FREE initial inspection is done to determine if there is enough damage to file a claim. Note: Your insurance premium is not increased nor your policy cancelled because you file a weather related claim.

  • Once there is enough damage, Superior Southern will sign a conditional agreement which allows us to be there when your insurance adjustor comes, and to perform the work once approved. Note:  IF THERE IS NO APPROVAL, THERE IS NO OBLIGATION.

  • For your convenience, we call in your insurance claim and schedule an inspection with your adjustor.

  • When your adjustor comes, we can be there to assist them and show them the damage we found if necessary.

  • If the claim is approved, you will receive the first of 2 checks** from your insurance company, either immediately or by mail in a few days. Note:  If you have a mortgage, your check will probably be made out to you and your lender. Both you and your lender must endorse the check before your work can begin. We can provide additional  assistance to you on this step as needed.

  • Once the check has arrived, please contact our office.

  • Your work will be scheduled within a week.

  • *Once our crew and materials are at your site, we will collect your deductible and your first insurance check. 

  • Your work will be completed, usually in one or two days.

  • Once your insurance company sends the final check to complete the payment, please contact our office immediately upon receipt.

  • If the claim is denied, we can schedule a second and even a third inspection if necessary to get approval. Many claims are approved at this point.  We can also provide you with information about the legal process, and refer you to an attorney who specializes in storm damage, if your claim is still denied. Note: There is no cost to you.  Any legal fees will be included in your claim.                                                     

  • ** If you have an Actual Cash Value (ACV) policy instead of a Replacement Cost Value (RCV) policy, depreciation is not covered by your insurance. You will be responsible for depreciation in addition to your deductible.