Navigating Home Renovations Through an Insurance Claim: A Guide from Elko Construction

At Elko Construction, we’ve proudly served homeowners throughout Glenview, Illinois, and the surrounding communities since 1991. As a woman-founded and operated construction company, we understand the importance of trust, compassion, and support when guiding homeowners through the renovation process—especially when dealing with insurance-related repairs. Our goal is to help you feel confident and well-informed every step of the way. Below, you’ll find our best advice and tips for working with insurance companies to restore and renovate your home.

Contact Your Insurance Company Right Away

When damage occurs—whether from a storm, flood, fire, or any other unexpected incident—your first step is to reach out to your insurance provider to start the claims process. Keep the following points in mind:

• Open Communication: Provide a clear description of the damage and ask about next steps.
• Claim Number & Adjuster Details: Make note of your claim number and your insurance adjuster’s name and contact information.
• Documentation: If it’s safe to do so, take photos or videos of the damage before starting any cleanup. These visual records provide important evidence for your claim.

Review Your Insurance Policy

Next, carefully review your insurance policy to understand the extent of your coverage. This will help you:

• Identify Coverage Limits: Understand what your policy covers and any limits for specific types of damage.
• Clarify Deductibles: Know how much you’ll be expected to pay out of pocket before coverage applies.
• Ask Questions: Don’t hesitate to reach out to your insurance agent or adjuster for clarifications on any terminology or coverage details you find confusing.

Partner with a Trusted, Experienced Contractor

Choosing the right contractor is crucial for a successful, low-stress renovation. At Elko Construction, we’ve been in business for over three decades, developing expertise in guiding homeowners through insurance-funded repair projects. Look for a contractor who:

• Has Insurance Experience: They should understand the specific documentation and processes your insurance company needs.
• Provides Transparent Estimates: Make sure you receive a detailed, itemized scope of work that aligns with insurance adjuster guidelines.
• Communicates Clearly: Open communication ensures you understand timelines, materials, costs, and any potential challenges.

Collaborate with Your Insurance Adjuster

Your insurance adjuster is there to verify the damage, determine coverage, and make sure you receive a fair settlement. Here’s how to make that relationship work for you:

• Schedule a Walk-Through: Allow the adjuster to inspect and document the damage thoroughly.
• Share Contractor Estimates: Provide the detailed estimate from your contractor to your adjuster for review. This helps everyone get on the same page regarding the scope of work and associated costs.
• Maintain Good Records: Keep a file of all communication, emails, and documents, so if you have questions later, you can easily reference them.

Understand the Timeline

Insurance claims can sometimes take longer than a typical renovation project due to the additional steps and approvals required. A few key milestones to keep in mind:

• Initial Inspection & Documentation
• Adjuster’s Estimate & Approval
• Negotiation for Final Settlement (if necessary)
• Begin Repair Work
• Final Inspection & Sign-Off

At Elko Construction, we strive to keep you informed of each stage so you’ll know what to expect from start to finish.

Be Proactive About Potential Complications

Sometimes hidden damage—like mold behind walls or structural issues—may only become apparent once the renovation is underway. Should this happen:

• Document the New Findings: Take additional photos or videos and immediately notify your adjuster.
• Request an Updated Estimate: Your contractor and adjuster may need to revise the original scope of work and cost estimate.
• Ask for Clarification: Make sure you know how this discovery affects your coverage and out-of-pocket expenses.

Focus on Quality and Long-Term Value

The insurance process can be stressful, but it’s also an opportunity to rebuild or renovate your home in a way that adds long-term value. When selecting materials or design options:

• Discuss Upgrades: Ask your contractor about the possibility of choosing higher-quality materials that might reduce future maintenance costs.
• Rely on Professionals: It is the responsibility of the architect and builder to ensure that all new work meets today’s code standards. At Elko Construction, our team navigates code compliance details for you so you can have peace of mind.
• Prioritize Safety and Durability: Quality craftsmanship is vital for preventing future problems and protecting your investment.

Trust a Company That Prioritizes Your Peace of Mind

At Elko Construction, we believe in going beyond the basics of construction. Our team—proudly woman-founded and operated—takes a personal interest in every project because we understand how disruptive and stressful the insurance repair process can be. We’ve built our reputation on:

• Compassionate Service: We care about your well-being and aim to reduce stress wherever possible.
• Clear Communication: You’ll be informed of important updates and decisions every step of the way.
• 30+ Years of Expertise: Since 1991, we’ve honed our approach, ensuring we navigate the insurance claim process smoothly on your behalf.

Handling a home renovation through an insurance claim can be complex, but you don’t have to go through it alone. A reliable contractor with experience in insurance-related work can offer invaluable guidance—from the initial assessment and claim submission to the final coat of paint.

At Elko Construction, we’re here to support you. If you have any questions about the insurance claim process or need assistance with your home renovation, please reach out. Your home is in trusted hands when you choose a company that values integrity, expertise, and personal care as highly as we do.

Ready to Get Started?

Feel free to contact us at Elko Construction for a consultation or further information. We’ll work closely with you and your insurance company to ensure that your home is restored to its full potential—quickly, efficiently, and with the highest quality craftsmanship possible.