Insurance Claims

Services

WE’LL WORK ON YOUR BEHALF

When choosing AT3 Construction of Maple Grove to work on your home, you get so much more than just a building contractor, you also get an advocate! Our skilled team will work with your insurance company on your behalf, making sure nothing is missed and all possible damages are covered. We start right away by meeting your insurance adjuster at your property. This allows our team to show your adjuster every area of damage related to your claim, ensuring nothing is overlooked and makes us available to answer any immediate questions your adjuster might have. The more efficient we can make your adjuster’s visit, the quicker their claim response should be.

DO I HAVE ENOUGH DAMAGE TO MAKE AN INSURANCE CLAIM?

If damage is apparent, you can alert your insurance company right away and start the claims process. Flooded basements, burst pipes, fire damage, major roof leaks, structural damage, etc., are some examples of obvious issues that would fall under a claim. However, when the extent of damage isn’t clear, like when a hail producing storm was confirmed in your area but you don’t see immediate signs your property was affected, or when a 2nd level plumbing leak was repaired but leaves you wondering if it caused hidden mold growth in the ceiling and walls below. These are instances when you would call in the team at AT3 Construction of Maple Grove to do a thorough pro inspection of your property to determine the full extent of damage and needed repairs, (if any are needed at all).

WHERE DO I START?

The first step in initiating an insurance claim is to call your insurance company and notify them of the loss. They will schedule a time to have one of their insurance adjusters come out to your property to inspect the damage. Many insurance companies will also advise you to have a professional come out to your property and put together an independent repair scope, also known as an Insurance Claim Scope of Loss. Not all insurance companies will recommend you get an independent repair scope, but it’s important that you do! Insurance companies prepare their claims settlements based on these scopes. If the adjuster representing your insurance company gets any part of the scope of repair wrong, you may end up with major delays in the release of funds or worse, out-of-pocket expenses that should have been covered. By hiring a team of professionals like AT3 Construction to conduct a pro inspection and prepare an independent scope of repairs, you have someone working on your behalf to ensure all covered damages are accounted for!

WHAT IS AN INSURANCE CLAIM SCOPE OF LOSS?

An insurance scope (repair scope, loss evaluation, scope of loss), is a comprehensive description of type and extent of damage that has been done to a structure and everything needed to put your property back to its pre-loss state while meeting current building codes. The team at AT3 Construction of Maple Grove is skilled at working with insurance companies to maximize your insurance coverage. The repair scopes we prepare are detailed and include descriptions of all areas of loss broken down by trade, materials, and labor costs. We also take photos and often submit diagrams and detailed measurements, in order to paint the most complete and accurate picture possible.

DID YOU KNOW?

Filing a homeowner’s insurance claim is time sensitive. Most residential property insurance policies in Minnesota have a time limit of only two years from the date of loss, (some even less). Leaving any damages unchecked can lead to big, costly problems down the road. Moderate issues can advance to major problems in a relatively short amount of time. If these problems don’t reveal themselves until you are outside your loss window, insurance companies can deny claims if it’s determined the damage was ignored or due to owner negligence, so don’t delay inspections or put off repairs!

For your convenience, we’ve compiled a list of the most popular insurance companies in the area with links to their claims information below.

RECOMMENDED CARRIERS

Claims for property damage are often time sensitive, so don’t put it off! After you have chosen a trusted contractor, make sure to have them present when your insurance adjuster arrives at your property. They will work with your insurance company on your behalf, ensuring all possible damages are covered. For your convenience, we’ve compiled a list of the most popular insurance companies in the area with links to their claims information.