Frequently Asked Questions |
Insurance Questions for Homes and Business

Insurance Claim FAQ

Surebuild Restoration sitting with an insurance agent doing a fire damage claim estimate.

Q: Do I need to pay for an inspection?

A: No, you do not need to pay for an inspection. We provide a 100% free inspection of your home or business and assess the damage to determine what services are required for restoration. We will never charge you for an assessment when you call us after a fire, storm, or flooding disaster

Q: Can I use Surebuild Restoration instead of the company that my insurance company chooses?

A: Yes! While most restoration companies are affiliated with skilled and reliable insurers, problems can happen while working with an insurance agency’s “preferred contractors” when their relationship isn’t so transparent. When you elect to work with a preferred contractor, you should be aware of the fact that the contractor is being referred and paid for its trust and loyalty to your insurance agency. As such, you can probably count on that restoration service doing whatever it takes to make the insurer happy – even if that means cutting some corners on your restoration to save the insurance company some money. 

It is ultimately up to you, the homeowner, to select the best disaster restoration contractor.  We know that experiencing a fire, flood, or even storm damage can be mentally, emotionally, and physically tiring. We are experienced in working with all major insurance carriers and can help facilitate your claim to ensure you receive the maximum payout possible. Surebuild Restoration always puts our customers first. We are experienced in working with all major insurance carriers and will help facilitate your claim to ensure you receive the maximum coverage possible.

Q: Do you directly bill my insurance company?

A: Yes! After a fire or flooding disaster, we know how it feels to feel overwhelmed with everything a tragedy brings. We can bill your insurance company directly for all our services, leaving you with one less thing to worry about. We also work with you to ensure all necessary paperwork is completed correctly and submitted on time so that you can get the most benefits out of your insurance coverage.

Q: Can you help me with the insurance claim process?

A: Yes, we can. We have experience in dealing with insurance companies and can assist you in filing a claim. We will also negotiate on your behalf to ensure that you are getting the best possible coverage for the restoration work required for your home or business.

Q: How long does the insurance claim process take?

A: The insurance claim process can take anywhere from a few days to a few weeks, depending on the size and scope of the damage, plus where the property is located. We work closely with insurance providers throughout the process to ensure claims like yours are processed as quickly and efficiently as possible.
In Washington State, an insurance company has up to 45 days to settle a claim. However in Oregon, that time limit becomes 60 days. We always recommend contacting your insurance agent and asking the average time for a claim to be settled to understand better what to expect when there is a disaster.

Some things that can lead to a claim taking longer than usual may include:

  • Mistakes on the paperwork by either you, the agent or the insurance company
  • Unforeseen issues or variables during a claim
  • Incorrect handling of a claim by the insurance company