RESTOPRO Assists in Redeeming Clients Claims
ALL Major Insurance Carriers
Accepted InsuranceNFIP, National Flood Insurance Program and all WYO administrators, affiliates
Allstate Insurance American Family Insurance Armed Forces Insurance Chub Insurance Farmers Insurance Liberty Mutual Insurance Metlife Insurance Nationwide Insurance USAA Insurance Statefarm Insurance The Hartford Insurance Travelers Insurance Progressive Insurance Acuity Insurance Pekin Insurance Geico Insurance Country Financial Insurance
Reconciling Your Flood Claim / Recapping Benefits / Affordeed Coverage FLOOD COVERAGE AFTER A FLOOD, OR DISASTER IS BETWEEN OU AND YOUR INSURANCE PROVIDERAWI / RESTOPRO Is there to support you, and your family in the claims journey, we follow both IICRC and or Fema, S500 provisions for the RCV alignment and benefits of recovery, protocalls thru the completion of services. As our services are classified as “First order responders / Providers", via our work agreement we follow the terms of service in aligning to scope of service needed, required, via extension of services offered. however underinsured properties per the terms of our work agreement, will have no effect on the services provided at the beginning of the claims process, nor thru completion.
Guidance and adopted allowable RCV coverage is: by and between you and your adjuster/ carrier, per the terms of service agreement, RCV & ACV details st/are your duty to supply and provide, all documents to / from this provider.
How Your Adjuster Writes your claim ?Adjuster’s write property Claims in an ACV format, meaning from the perspective of line of sight estimating, and at the time of inspection. Little consideration is initially adopted for what is incurred in the opening days or moments of the flood recovery program. Service providers follow both the IICRC, S500, Flood adjuster manual as well as incurred service guidance such as provided within such specialty bulletins (Such as FEMA w-13025a, for recovery and structural cleaning and drying guidance) Xactimate scope details are utilized as normal, necessary and customary guidance.
What happens if the Adjuster does not recap or Pay for Services required ?AWI/RestoPro provides service, and removed/s items in a 3D format, meaning in an RCV format as service is incurred in a “Real Time Format” as it’s actually removed, and or incurred, or provided. Complexities in construction and or discovered, hidden and unknown objects and materials within the walls and cavities is recapped within this RCV format. (Damage items are defined within the scope of the water line, and within the scope of dismantling or removal process). Defects, Hidden or damage, and preexisting defects and or damage activity within the structure, required and indices unique to a home are not something we can warrant, therefore a Satisfaction certificate is presented and signed by you once work is completed. (Outside intervention, opinions, rebates will not be accepted nor warranted)Work completed vs the adjusters estimate could and often varies due to the removal process which the adjuster often does not participate, Items missing from the adjusters estimate will need to be reconciled, if the coverage limits are exceeded, per the work rate agreement, we are the first order providers, of which all others services and providers follow, (Meaning AWI/RESTOPRO must be paid to satisfaction before others are offered monies, and or paid, shortages in funding others must be externally supplemented to satisfy. Underinsured properties when not conveyed or managed will not be our concern, but to those who follow AWI/RESTOPRO.
What your Mitigation provider does after an Event to Assist in Reconciling the Claim ?1) Follow the Awi/ Restopro comprehensive work Agreement terms, payment guidelines*2) AWI/ Restopro can reconcile your flood claim into the actual services provided a. Define Minimum Payments per the terms of service b. Provides additional Drying logs, and scope of repair with the initial overview/invoicec. Reconcile Missing datum/details with the Adjuster ACV estimate, (Requires clients providing the adjuster scope of repairs, proof of loss and content recap)3) AWI / RESTOPRO provides additional Photo Reports, and Overviews (Details are requested*)4) Per the Terms of Service AWI / RESTOPRO extends an array of hospitalities to assist clients and adjusters reconcile their insurance claim, and recap items between the both the ACV and RCV formats
5) AWI / RESTOPRO defines normal & Customary vs Real time events for Adjusters & Carriers, by and between Catastrophie and National Declorations vs Less expensive Non-Cat or Daily Claim events.