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1. ASSESS AND DOCUMENT THE DAMAGES TO YOUR PROPERTY
Meridian Restoration’s representatives know what to look for after a storm. They will document the storm related damages and explain to you their effects if left unresolved.
2. INFORM YOUR INSURANCE COMPANY
Before repairs begin, your insurance company needs to assess them to make their determination. Most insurance companies have dedicated phone lines to help make getting started easy.
3. THE ADJUSTERS' MEETING
Be sure to have your Meridian Restoration Representative meet with your insurance adjuster to show them the damages you are aware of and concerned about. We’ve been to these meetings countless times and understand how they work and what to do afterwards.
4. BEFORE WORK BEGINS
Your insurance company will provide an estimate for repairs after they assess the damage. We review this estimate to determine if work can start or if revisions, called supplements, are needed. It’s quite common that the first estimate the insurance carrier provides will require a supplement. Rest assured we know what’s needed.
5. STARTING THE REPAIRS
Before repairs begin your Meridian Restoration Representative will define the scope of work with you so you know what to expect. Your project will then be submitted and you will receive a build letter with the details of your upcoming project.
6. AFTER THE DUST SETTLES
Shortly after your roof, siding, or window project is finished, your Meridian Restoration Representative will schedule a walk through with you to make sure any questions or concerns you have are addressed promptly.
7. INVOICING AND PAYMENTS
To help provide you with peace of mind and confidence, Meridian Restoration does not require down payments to get the work started. Our first payment request will come after major work has started. Our final invoice will be sent later when all repair work is complete. It’s common to have your mortgage company listed as a payee on the first check from your insurance company, see the next step for more detail on the mortgage company process.
8. MORTGAGE COMPANY PROCESS
Often, checks from the insurance company will have your mortgage company listed as a payee. You will need to contact your mortgage company’s Loss Draft Department and obtain their required forms. Fill out the portion of the forms applicable to you, then forward the forms to your Meridian Restoration Representative and we will fill out the portion of the forms that require the contractor’s information.
9. SUPPLEMENTS.
During the construction process additional materials and labor may be needed. We document these requirements and provide the information to your insurance company (this is called a supplement.) Your insurance company will revise their estimate to confirm supplements. Be sure to always send a copy of the revised estimate to your Meridian Restoration Representative.
10. FINAL INVOICE AND WARRANTY REGISTRATION
Once work is completed and any required supplements approved, we will send a copy of the final invoice to you and your insurance company. The Recoverable Depreciation check will be sent to you directly by your insurance company. After your project has been paid in full, Meridian Restoration will register your GAF System Plus Warranty.
