When Acclaim Restoration Group, LLC incorporated in 2001, the only service we provided was insurance repair.  Seven years later, we have expanded our business model into other areas, yet still provide insurance repairs to clients throughout our entire coverage area.  We will work with you and your insurance company to make your repair as hassle-free as possible.

We understand how important it is to our clients to provide exceptional customer service and complete our projects on time.  For most people their home is their largest asset and most valued possession.  Our commitment to detail and quality work have earned us our stellar reputation.

We assist both residential and commercial customers through the recovery process of fire, water, and wind damage losses.  Make the call today to Acclaim Restoration - 256-740-5646 - You'll be glad you did.

Insurance Claim FAQ...

HELP!!  I have had damage to my property.  What should I do first?

The first thing you should do once the unfortunate happens is contact your insurance agent.  Your insurance company is there to help you.  Call them at once and explain to them what has happened.  Don't be afraid to ask for their assistance.  Remember to keep a copy of your policy in a safe place.

After I have contacted my insurance company, what are my responsibilities after that?

All insurance policies ask that you protect the damages to keep the losses at a minimum.  For example, if you have had a fire, it is important to make the remaining portion of the dwelling secure to prevent liability in the event someone is injured.  Acclaim Restoration can work with you immediately during an emergency to help protect you and your belongings.

Once I have suffered a property loss, am I required to use the contractor my insurance company recommends?

No.  Because it is your property you have the right to use the contractor of choice for the repairs/restoration.

Do I have to pay a deductible?

Yes.  Any insurance policy has a deductible which is your portion of any property loss.  The amount of your deductible is defined in your policy and was set by you when you bought the policy.

What is the difference between actual cash value (ACV) and replacement cost value (RCV)?

Replacement cost coverage provides for a damaged item to be replaced for what it costs today, at a fair market price of like, kind and quality, regardless of when it was purchased.

Actual cash value provides for the compensation of the balance of the life expectancy of a damaged item. Your insurance company owes for only the unused portion of the balance of its life. 

Who are the Insurance Adjusters?

There are three different kinds of insurance adjusters.

The first is the company adjuster, who is the representative of your insurance company.

The second is the independent adjuster. This adjuster is contracted by your insurance company to resolve the loss. The independent adjuster is paid by your adjuster at your insurance company.

The third is the public adjuster. A public adjuster assists you with inventories and estimates. Their payment is not covered by the insurance company, so make sure that if you sign with them, you are willing to pay for their services.

What is Covered on my Policy? 

Insurance coverage usually covers the damages resulting from an accidental and sudden event. If you are not certain what damages are covered, then please contact your insurance company. They will know for sure. 

How do we get started with the work?

When the contract or work authorization is signed and the down payment is received, a construction superintendent will walk the job with you before beginning restoration to your home. All repairs will be made according to the agreed upon scope of work.

How do I make payments?

We will accept your insurance or personal check as payment.

Mortgage Company Endorsements

Our office will make arrangements with your mortgage company regarding endorsements, payment schedules, inspections, affidavits and all other necessary documents required by them. We work with almost all mortgage companies on a daily basis as a service to our clients.

Supplements

Any damages not discovered during the initial estimation process is called a supplement. We will work with your adjuster to ensure that the additional damages are covered and paid for.

Improvements and Additional Work

Should you want to upgrade, or if you have other changes you wish to make, now is a good time to make changes. At the time of a loss, the cost of upgrading certain items is typically much lower than replacing them at a later date.