The Settlement of your Claim
The first step after notifying your insurance agent of the claim is agreeing about the scope of work and pricing. (Your Capstone estimator will assist you after we have your signed contract or work authorization). We will work closely with your adjuster to ensure that they will cover every detail to restore your home or business properly to its pre-disaster condition. After the claim is agreed upon, your adjuster issues a check for all or part of the job. All restoration or repairs are made according to the scope of work that all parties have agreed to.
Getting Started
When the contract or work authorization is signed, an assigned supervisor to your job will walk through the job with you before beginning restoration to your home or business.
Payment
We will accept your insurance draft or personal check as payment.
Your Deductible
Your deductible is an amount of money specified by your policy and you are obligated to pay your deductible as part of the payment for repairs to your property.
Supplements
Any work not discovered during the initial estimation process is called a supplement to repairs. Our office staff will work with your adjuster to ensure the extra work is covered and will be paid for. When the check arrives, please treat it as another payment to Capstone Construction Co., Inc. for repairs to your property.
Betterments, Improvements, Additional Work
Should you want to upgrade or have other changes made, now is a good time to make those changes. At the time of a loss, the cost of upgrading certain items is typically much lower than replacing them at a later date.
Who to Talk to
You may be noticing that the one person (your estimator) you were dealing with seems to have turned into a team of professionals to assist you in every way possible. Different departments of Capstone Construction Co., Inc. are now handling the different aspects of the repairs to your property. We all work closely together and, in this manner, we can provide a higher quality of service for you.
