The insurance claim process can be a confusing, frustrating, and very time consuming process. QRF has experienced insurance claims professionals here to help you through this difficult time. The Insurance claim handling process consists of filing the claim, the adjustment process - inspection and scope, mortgage company process, supplement process, and depreciation recovery process. On most insurance claims line items and code enforcements are missed and even denied by the insurance adjusters during the initial inspection. QRF will perform a full property assessment & damage inspection with your insurance claims adjuster and work directly with your insurance carrier to have a successful outcome for you. 

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Insurance Process

Insurance Claims Process

Step 1: File a claim with your Insurance Carrier

  • Have your homeowner’s or business policy in hand.
  • You can call the 800 Claims hotline for your carrier or some people choose to file on line with their carriers website. This is sometimes faster.
  • They will ask you for your policy number.
  • They will ask you what happened and the date of loss.
  • Record all information that the insurance carrier gives you. They will assign you a claim number that will be used to track your claim (Write this number down – Very Important).
  • They will assign your claim to an adjuster and give you his contact info (Very Important).
  • Give all this information to your QRF Professional.
  • The Adjuster will contact you within 24 to 72 hrs to set up a meeting for the adjustment process to start.

Step 2: Adjustment Process - Inspection and Scope

  • The adjuster will setup a meeting with you to inspect the property to confirm our damage assessment & inspection results.
  • It is extremely important and strongly recommended that one of the QRF IICRC/HAAG Certified Professional be present during the adjuster inspection to ensure that all aspects are covered regarding the claim settlement. This will save a lot of time in the process to ensure that everything is covered in one meeting.
  • Detailed estimate scope and photo documentation is vital for a successful outcome in the claims process.
  • We know what it takes to complete and restore your property back to a pre-loss condition.
  • We ensure that all code upgrades and state & local building code requirements are covered by the insurance carrier up to your code upgrade cap.
  • Once the adjuster completes his inspection he will supply you with an itemized scope estimate of the said damages with a replacement cost value (RCV) in some rare case it will be and actual cost value (ACV).
  • This itemized scope will be in a line item format for each individual item that needs to be addressed to restore your property to its pre-loss condition.
  • A copy of this report needs to be reviewed by one of the QRF IICRC/HAAG Certified Professional to review its accuracy and pricing.
  • QRF utilizes the exact same estimating software as all insurance carriers. This software is call Xactimate.

Step 3: Mortgage Company Process

  • In most claims there is a mortgage lien on the property of loss.
  • When this is the case the insurance carrier is required by law to include the mortgage companies name on the check as co-payee.
  • Mortgage companies have their own departments called Loss-Draft Department that handles all insurance claim that they have an interest in.
  • The mortgage process can be just as confusing, frustrating, and time consuming as the insurance claims process.
  • Mortgage lien holders are entitled to secure all funds in escrow or hold the funds until a contractor has been chosen for disbursement. Depending on the size of the loss and amount of the claim the disbursement will be in 33% increments of the total amount.
  • Mortgage companies will also have an information packet that must be completed by you and QRF.
  • Once all work is completed the mortgage companies require an inspection to ensure all repairs have been completed before they will issue and release the final payment.
  • Luckily for you QRF has a department that facilitates document requirements and handles this all for you. However, there may need to be one or two phone calls placed by you as you are the mortgage holder.

Step 4: Supplement Process

  • The supplement process is very important to ensure that everything has been covered by the insurance carrier.
  • Sometimes there are unforeseen damaged areas that are not exposed until demo is completed or the adjusters miss partial items or damage all together. This is very common in the industry for a number of reasons. For one during a catastrophic storm event adjusters are pulled from all around the country and they are not up to speed to the state and local building code requirements.
  • Most items missed by an adjuster are simply an oversight or a building code enforcement that just needs to be added to the estimate scope.
  • This process is important for QRF to ensure that we provide you with the best products and craftsmanship possible.

Step 5: Depreciation Recovery Process

  • Most insurance carriers apply depreciation to every line item on the estimate scope RCV policies. This ensures that all the work will be completed.
  • This practice is called recoverable depreciation. Mean that once all the work has been completed by a licensed contractor like QRF the depreciation funds will be released for final payment.
  • QRF will submit a Certificate of Completion (COC) signed by you and us as well as a final invoice.
  • Once this is completed we will let you know to be looking out for a check in the mail.
  • Once you receive the final payment you will need to give as a call so that we can complete a final walk through and finalize paper work and go over warranty information.