INSURANCE

1.   Assessing the damage: Just because there has been a storm in your area doesn’t mean you automatically should file a claim. Our process begins with a detailed inspection your entire property to assess the damage firsthand. We will thoroughly inspect the affected areas and document the extent of the damage. Together, we'll ensure that all relevant issues are identified.

2.   Reviewing your policy: You will need to understand what your insurance policy is. Do you have an ACV (Actual Cash Value) policy or an RCV (Replacement Cost Value) policy? Understanding which policy you have will help you determine how much, if any, “out of pocket” money you may need to pay. Along with this will need to know your deductible amount.

a.    If you have a Replacement Cost Value policy, you will receive 100% of the replacement cost minus your deductible. For an Actual Cash Value policy, you will receive the replacement cost minus the depreciation amount and your deductible.



3.   Providing damage evidence support: Based on our assessment, we will provide you with a detailed file of assessed damages. These estimates outline the necessary work, materials, and associated costs.

4.   Collaborating with your insurance: we will work hand-in-hand with you and your insurance company, providing this collaboration service streamlines the claim review process.

5.   Getting the green light: Once you've filed a claim, your insurance company will send an adjuster to evaluate the damage to your property and provide an estimate of the repair costs. After the adjuster's visit, you will receive a claim document (also known as a Loss Sheet) either directly from the adjuster, via email, or in the mail within a few days. The claim document breaks down each line item related to the claim, along with its associated price. Additionally, the claim includes summaries of the total loss, making the document somewhat intricate and confusing. It's crucial to understand that the document provided by the adjuster is merely an estimate and may not precisely reflect the actual repair costs, which we will cover with the supplementing process as we complete the repairs. With your approval, we'll move forward with the restoration work, ensuring that everything is aligned with your policy coverage and all repairs prescribed by insurance company comply with building codes.

6.   Restoring your property: As the restoration contractor, we will coordinate and oversee the entire restoration process. The Hallmark team will handle the repairs, procure necessary permits, and ensure that the work meets building code industry standards and your expectations.

7.   Keeping you informed: Throughout the restoration process, we will keep you updated on our progress. We will address any concerns or questions you may have, ensuring transparency and open communication at all times.

8.   Completing the restoration: Once the restoration work is finished, we will perform a final walkthrough with you to ensure your satisfaction. Together, we'll ensure that your property has been restored to its pre-damaged condition.

Rest assured, Hallmark will be with you every step of the way, working diligently to restore your property and provide you with peace of mind. Let's work together to bring your home back to its former glory!