Navigating the Insurance Claim Process: Understanding the Roles Involved

Experiencing property damage is stressful enough, but once the insurance claim process begins, many homeowners find themselves unsure about who is responsible for what. It's common to feel caught between the restoration company, the insurance adjuster, and sometimes a public adjuster. Here's a neutral breakdown designed to clarify the process and reduce frustration.

BELFOR's Role — Your Restoration Partner At BELFOR Property Restoration, our role is to assess the damage, document our findings, and develop a scope of work based on industry standards, including IICRC guidelines and local building codes.

• Our estimate reflects what's necessary to properly and safely restore your home — not just patch it up.
• We provide this estimate to your insurance company to help them understand the full extent of work needed.

The Insurance Adjuster — Representing the Insurance Company Your insurance company assigns an adjuster to review the damage, examine our estimate, and apply the terms of your policy.

• They rely on internal guidelines, software pricing tools, and your policy terms to determine the coverage available for your loss.
• Occasionally, there may be differences between BELFOR's recommended work and what the adjuster approves. These situations typically reflect how restoration needs and policy terms are interpreted during the review process.

Public Adjuster — Optional, Hired by You Some homeowners choose to hire a public adjuster. They work solely for you and negotiate with the insurance company on your behalf if there’s a large disagreement about coverage or payment. They typically charge a percentage of the claim.

Understanding the Process It's natural to feel like you're stuck in the middle, but it’s important to remember that everyone has a specific role:

• BELFOR's priority is restoring your home correctly and protecting your property.
• The insurance adjuster's priority is applying your policy terms fairly and accurately.

While there may be differences at times, that doesn't mean anyone is acting in bad faith. It simply reflects the balance between restoration needs and how the policy is applied.

Our Commitment

• We’ll review the necessary work with you so you understand the scope and the reasons behind it.
• We’ll handle communication with the insurance company and explain any differences that come up.
• If necessary, we’ll walk you through your options, including hiring a public adjuster.

Restoring your home is our priority. Transparency is how we protect your property and peace of mind.

Have questions about the restoration process or navigating your insurance claim? Reach out to our team at BELFOR — we're here to help guide you every step of the way.

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