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Your Storm Recovery Experts
Your Storm Recovery Experts Since 1985!
Have you experience recent storm damage? From start to finish we can help you navigate the insurance process. Highland has extensive experience working with many insurance companies in Dufferin country/GTA and surrounding areas.
Do I have to use my insurance company's preferred contractor?
No. It is your legal right to select the company of your choice to do the repairs or replacements that are being covered by your insurance company. When choosing a company, do your homework. A great place to start is a company’s online reviews. We are finding it is no longer what we say about our company that matters, but what others say that carries the most weight.
How long do I have to file a claim?
Most insurance companies require that you report a possible claim within one year of the damage (although this can vary and we recommend you check your policy for your companies specific policy). You will also need to know the date of loss which is the date on which your home was damaged. An insurance company uses this date to see if your claim is within the required reporting period.
What happens after the claim is filed?
An adjuster will be out to look at your property, usually around 1-2 weeks after the claim is filed. If the adjuster finds a sufficient amounts of bruises or breaks in each test square you will be approved.
My adjuster said there was no damage and I’m not satisfied with that. Now what?
You are entitled to a re-inspection. Discrepancies happen and over the years we have come across quite a few.
Let us represent you. We can meet the adjuster onsite to go over our findings. You are entitled to have the contractor of your choice represent you during the claims process. Putting Highland on your side will help to expedite your claim and we will work diligently to get you a fair and amicable settlement.
What happens if I accept a cash payout?
In most cases the insurance company will reduce the original claim amount by 20% but in some cases the insurance company will give a full payout.
Within one year of accepting the payout your insurance company will contact you to confirm the repairs were completed. If you have not completed the repairs they will cancel coverage on items not repaired or replaced.
It is in your best interest to contact your insurance company and find out their policy on cash payouts.
How do insurance companies pay on claims?
This varies between insurance companies. The cheque may be payable to the contractor directly, it may be a co-payable cheque to you the homeowner and the contractor (which you would sign over after completion), or the cheque may be payable to you. However, you are always responsible for payment of your full deductible.