HAVE OUR TEAM TAKE A LEADERSHIP ROLE PROCESSING YOUR CLAIM FOR TRUE PEACE OF MIND

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Dedicated project manager to guide you through claim

When you file a claim through your homeowner’s insurance, a dedicated Project Manager will help guide you every step of the way.  Having a seasoned pro with years of experience to consult prior to making a claim can be the difference between having something covered or denied. Most companies rely on just a technician who does not really have the skills or experience needed to answer specific questions related to your claim.

We work directly with all insurance companies, and utilize the same billing and pricing structure that is accepted by all insurance providers. We also work directly with your insurance adjuster to make sure that the process goes as smoothly as possible to limit the amount of stress to you and your family.

Flood Restoration Inspection
xactimate restoration genie

Smart streamlined estimating with reliable pricing

Xactimate is the insurance industry’s easiest-to-use and most comprehensive software solution available today for property claims, and estimating.  It is currently used by over 90% of insurance companies and helps create more accurate, detailed and professional-looking estimates with an up to date and reliable pricing structure.

Xactimate seamlessly integrates with every insurance companies claim department and allows us as contractors to automate and streamline the estimating process.

We pay up to $500 of your deductible

A deductible is a standard part of any home insurance policy.

So, what is it and how does it work? The deductible is an amount of money that you have agreed to pay in the event of a claim before your home insurance coverage began. When you purchased the insurance policy, you determined how much you were willing to pay out of your own pocket in the event of a loss. That’s your deductible. We help you cover some of that risk by paying up to $500 towards your deductible.

How does it work?

Let’s say that when you purchased your policy, you selected a $1,000 deductible. Now, you are involved in flood loss, and it’s going to cost $20,000 to repair your home. You are responsible for the first $1000 in repairs, and the insurance company will pay the remaining $19,000. In other words, when you receive your payment check, $1000 will have been deducted from it. That’s exactly why they call it a deductible! With Restoration Genie you will be covered for $19,500 instead of $19,000.

we pay 500 deductible

Top questions about managing your restoration claim

Do I have to pay Restoration Genie for their claims assistance?

No. Absolutely 100% free service we offer to all our clients who would like a little more help with the flurry of paperwork that is sent over the weeks that follow a restoration claim to a home or business.  Our hope is that we can take a little off your plate and help guide your claim so it’s paid quickly and in full.

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Should I call my insurance company prior to calling a restoration company?

Usually not. In many cases an insurance company will consider it a claim against your policy even if you don’t receive any kind of payout. Every time they go out, they count it as a claim. In most cases it is wise to have us take a look at your damage first.

We can make sure your property is eligible for a claim before you call your insurance company. If there is damage, we will also be happy to meet your insurance adjuster and make sure the specifications claim are correct.

The way a claim is filed can very often effect the way it is settled. Please call us before you call your insurance company and we will make sure you get started right.

Do I honestly need help handling my claim?

Not only is the paperwork a little hard to understand at times, but we find the insurance company sometimes can be a little misleading on what they are covering in the claim. We work to clarify any of these issues so you get the full benefit of your claim.

My insurance claim shows line items for Actual Cash Value and Replacement Cost Value. What’s the difference?

Most insurance policies cover full replacement value. (If they don’t we will fight for you that they do) Typically after you file your claim you will receive the first of two checks from your insured, which is the amount of the Actual Cash Value (how much the repaired damage is worth today). The insurance company then will with hold what is called depreciation from the initial check and will pay it once the work has been completed by Restoration Genie.

Actual Cash Value + Depreciation + Your Deductible = Replacement Cost Value

What if Restoration Genie’s quote is higher than the insurance companies quote?

While this rarely happens (we estimate using the same program), if it does, we guarantee to repair per the insurance companies specifications and pricing, so that your only out-of-pocket expense would be your deductible if it’s over $500.

Please call us today and see what we can do for you.

Many claims that result in rebuilds can last 4-6 weeks from beginning to end. Why does it take so long?

Honestly most claims depending on the severity of the damage can be handled in a few days, and are paid out a few weeks later from the insurance company.  Insurance companies by nature are highly regulated and are sticklers for lengthy process procedures. We do our best to guide you through this process and get you back in your home as quickly as possible.

Contact Restoration Genie Today About Your Claim

Let our first responders listen to your needs and apply their years of experience to help you restore your home or business.