The Process
Step by Step
With Reliant, not only do you get top quality work, from a reliable company, but we can literally save you days and weeks (not to mention the headaches) of the hoop-jumping normally associated with filing claims and managing repairs!
1. The Phone Call
Tell your insurance company that you need to file a claim.
2. The Adjuster
You will be assigned a claims adjuster to come inspect the damagedam·age
[dam-ij] Harm or injury to property or a person, resulting in loss of value or the impairment of usefulness, often with a Reliant Construction representative, and a preliminary estimate is compiled from the findings.
3. The Approval
The preliminary estimate will then be sent to your inside insurance adjuster for final approval.
4. The First Check
Once approved by your insurance company, you will receive an official estimate and a check for a portion of your claim. (This check is called your Actual Cash Value check or ACV.)
Note: The official estimate from your insurance company will show a breakdown of your claim amount, your deductiblede·duct·i·ble
[di-duhk-tuh-buhl] The amount for which the insured is liable on each loss, injury, etc., before an insurance company will make payment, and the amount of depreciationde·pre·ci·a·tion
[di-pree-shee-ey-shuhn] Harm or injury to property or a person, resulting in loss of value or the impairment of usefulness that may be recoverable after repairs have been performed.
5. Construction Begins
Once final approval* has been given, Reliant Construction can now perform the work of repairing the damages to the property.
6. On-Site Analysis
During the construction process it is possible that we may find items that were missed on the initial inspection. If this occurs, Reliant Construction will submit a supplementsup·ple·ment
[suhp-luh-ment] a part added to a book, document, etc., to supply additional or later information, correct errors, or the like for you.
7. Depreciation Check
Once all repairs have been completed we will begin the process of recovering your depreciation. Another letter will accompany your final invoice thoroughly explaining the process of recovering your depreciation.
*The Construction phase could start prior to final approval of the estimate with authorization from the insurance company or if you authorize us to start. You would only want to do this after understanding that if the insurance company does not pay for some parts of the repairs, you would be responsible for them. We want to try to avoid this, and we help you understand all that is at stake.