When your property is damaged by a storm, fire, or flood, the immediate stress of the situation is only the beginning. Soon after, you’re faced with the complex and often intimidating task of navigating a homeowners insurance claim. Dealing with adjusters, paperwork, and confusing terminology can be overwhelming, especially when you’re already trying to manage the disruption to your life. At America’s Best, we believe you shouldn’t have to go through it alone. We are more than just a restoration and remodeling contractor; we are your dedicated advocates throughout the entire insurance claim process in Addison, IL.

Our team has years of experience working directly with every major insurance carrier in the Addison, IL area. We understand their language, their requirements, and what they need to see to process a claim fairly and efficiently. We act as your professional partner, ensuring that the full scope of your damage is accurately documented and that you receive the fair settlement you are entitled to under your policy. For expert guidance and a free damage assessment, call us at 630-433-2275.

Simplifying the Property Insurance Claim Process

Our primary goal is to remove the burden of the insurance process from your shoulders. We bridge the gap between you and your insurance company, providing the expert documentation and professional assessment needed to move your claim forward. From the initial damage inspection to the final repair work for your Addison property, we provide a seamless, integrated service that ensures nothing is missed.

Our Step-by-Step Claims Assistance Process

We follow a proven process to ensure your claim is handled correctly and efficiently from the very start.

1. Emergency Mitigation & Damage Assessment: Your policy requires you to prevent further damage. Our 24/7 emergency crews will immediately perform necessary mitigation at your Addison property, like tarping a damaged roof or extracting standing water. We then conduct a thorough inspection to assess the full extent of the damage.
2. Comprehensive Damage Documentation: We meticulously document every detail of the damage using high-resolution photos, thermal imaging for hidden moisture, and detailed notes. This creates a robust body of evidence to support your claim.
3. Meeting the Adjuster On-Site: We schedule a time to meet your insurance adjuster at your property. Having our expert on-site is crucial. We can point out damage that adjusters may overlook and ensure the assessment is based on a contractor’s professional evaluation of the required repairs.
4. Reviewing the Scope of Loss: Once the adjuster provides a scope of loss (their report on the damage and repair costs), we review it line-by-line. We ensure it is accurate, complete, and accounts for all local Addison, IL building codes and manufacturer requirements for a proper repair.
5. Performing the Expert Repairs: After the claim is approved, our skilled craftsmen will perform all the necessary restoration and remodeling work to the highest standards, bringing your property back to its pre-loss condition or better.

Expertise in Specific Claim Types

Different types of damage require different expertise. We have specialized knowledge in handling the most common—and complex—claim scenarios for local homeowners.

Navigating Roofing Insurance Claims

Dealing with roofing insurance claims after a hail or wind storm can be particularly challenging. Adjusters may miss subtle hail impacts or underestimate the scope of wind damage. Our roofing experts specialize in identifying all forms of storm damage specific to the Addison area and providing the clear evidence needed to justify a full and proper roof replacement when it’s required.

Managing the Water Damage Insurance Process

The water damage insurance process is a common concern for Addison property owners due to issues of causation and the potential for hidden problems like mold. We provide detailed moisture readings and drying logs that insurance companies require to approve a claim. Our certified knowledge of water categories (clean, gray, black) and IICRC standards ensures your claim for mitigation and repairs is properly substantiated.

Fire & Storm Damage Claims Expertise

Similarly, claims involving fire damage or storm damage require a thorough understanding of all impacts, from smoke remediation to structural repairs, which we meticulously document to ensure your property is restored completely.

Why Partner with America’s Best for Your Claim?

• We Speak the Insurance Language: We use industry-standard estimating software (like Xactimate) and communicate with adjusters in a professional language they understand, which leads to a smoother, more efficient process.
• Maximizing Your Fair Settlement: Our meticulous documentation and on-site advocacy help ensure that all legitimate damage is covered, preventing you from paying out-of-pocket for repairs that should have been included in your claim.
• From Claim to Completion – One Team: The same team that helps you with your claim is the team that performs the work. This total accountability ensures the job is done right and to the exact specifications approved by your insurance company.

Understanding the basics of your policy is a great first step. For unbiased information, we recommend resources from the Insurance Information Institute on how to file a claim.

Insurance Claim Frequently Asked Questions

Should I call my insurance company or a contractor first after damage?

It is always a good idea to call a trusted restoration contractor like America’s Best first. We can perform emergency mitigation to prevent further damage (which is your responsibility as a policyholder) and provide you with a professional assessment of the damage *before* you even file the claim. This ensures you have an expert opinion from the start.

What is “depreciation” and how does it affect my claim payment?

Depreciation is the reduction in value of an item (like a roof) due to age and wear. Most insurance policies are “Recoverable Cash Value” (RCV). This means your first check will be for the “Actual Cash Value” (ACV), which is the replacement cost minus depreciation. Once you complete the repairs and provide proof, the insurance company releases the depreciation amount in a second check.

What if my adjuster’s estimate is lower than your quote for my Addison home?

This is a common situation and a key reason to have us on your side. Often, an adjuster’s initial estimate may miss specific items, overlook local building code requirements, or use incorrect pricing. We will provide a detailed, line-item comparison to your adjuster and professionally negotiate the differences to ensure the final approved scope of work for your Addison home is accurate and complete.