Insurance Claims Help
When property damage happens, Ungerman helps document the loss, coordinate with your insurance carrier, and move repairs forward so your home or business can get back to normal.
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First steps after property damage
One of the first steps in recovery is learning what your policy may cover. Starting the insurance process early helps prevent further damage and keeps restoration moving.
A restoration team that can guide the claim process
When we arrive, our team begins cleanup and helps guide you through the insurance process. We document the property loss and coordinate with your insurance agency to review what type of damage may be covered by your policy.
Emergency cleanup and mitigation to help prevent additional damage
Property loss documentation for your claim file
Communication with your insurance carrier and adjuster
Repair estimates based on industry-standard estimating practices
Project management from reconstruction planning through completion
Coverage support
What insurance may cover
Coverage depends on your policy, carrier, and the damage involved. Ungerman can help document the loss and organize repair information for your claim.
Structure damage
Furniture, valuables, and contents damage
Cleanup, repair, and remodeling costs
Temporary relocation expenses
Outside meals when kitchen damage requires it
Repair process
From claim review to completed repairs
After emergency work is complete, Ungerman coordinates the repair path with estimators, adjusters, and a dedicated project manager.
Site visit and damage review
After mitigation, an Ungerman reconstruction estimator schedules a site visit to inspect the property and review the repair scope.
Estimate and work authorization
The estimator requests work authorization, prepares a repair estimate, and helps align the scope with the claim.
Adjuster coordination
Ungerman works with your adjuster to review and negotiate repair costs. Depending on the project, this agreement can take time.
Project manager assignment
Once the estimate is accepted by your insurance carrier, a project manager is assigned to schedule and manage the repairs.
Selections, scheduling, and repairs
Your project manager communicates with you, coordinates selections, and sees the workmanship through completion.
Final invoice and warranty
When work is complete, Ungerman helps recover applicable depreciation, sends the final invoice, and provides warranty documentation.
Know your options
What property owners should know
Insurance policies vary widely based on provider, coverage, and the type of damage.
You have the right to hire and demand a fully licensed contractor with a good reputation to repair the damage.
You may begin emergency measures to protect your property from additional damage and may be compensated for it.
The insurance company may not be liable for additional expenses if initial protection is not provided.
If you have adequate coverage, you are entitled to the fair cost of fully restoring your home to its pre-loss condition.
Need help with a property damage claim?
Ungerman responds 24 hours a day, 7 days a week for damage from water, fire, smoke, storm, mold, trauma, and vandalism.
Are you an insurance agent who needs a restoration and renovation partner? Contact us to learn how we can work together to help property owners.