FAQ's - Insurance Restoration Claims

Call Toll Free 1-877-315-3183 for a free assessment for your fire insurance claim in SC.

We specialize in fire restoration services within SC, we can help with most insurance restoration claims. We can just remodel parts of your damaged home or we can rebuild your entire house from ground up, because we are also a fully licensed building contractor in South Carolina.

D Brown Construction

(843) -

Fire Restoration Dept.

Florence, SC 29501

What does D Brown Construction bring to the table for the insured property owner?

We have years of experience working with insurance companies to get your claim processed quickly and favorably.

The quality and efficiency of our work and the high level of client satisfaction we generate is recognized and valued to the point where we are regarded as a preferred provider. D Brown Construction is automatically assigned claims by a number of insurance companies, adjusters and agents in South Carolina. We gladly accept claims from all major property insurance companies.

How do I find someone Qualified to repair my damages?

If your insurance company does not provide you with a vendor list, it is up to you to find a company that is qualified and experienced with dealing with the parameters of a property insurance claim.

How long will it take to settle my claim?

The length of time it takes to settle a claim differs depending on the insurance company and the extent of the loss. Be sure to maintain contact with your insurance agent to check the status of your claim. Many insurance companies have a system in place allowing for the capability of the insured to monitor their claim process online.

Will my claim be covered?

Insurance claim coverage varies from policy to policy. It is important for the insured to be completely clear about what is covered within their policy, in the event that the insured is filing a claim.

How do I know if I really need to file a claim?

If you have experienced a loss and believe your insurance will cover the loss, it is in your best interest to call your insurance agent and review the situation.

What is a Deductible?

An Insurance Deductible is simply the amount of money that the insured is required to pay, for repair to damage, under the insurance policy. The insured chooses the deductible at the time of purchasing the insurance coverage. For the most part, the lower the deductible, the higher the insurance premium.

Do I have to use my Insurance Company's Adjuster?

Your insurance company will usually schedule an adjuster to inspect and assess the damage upon filing a claim. If you do not agree with the adjusters’ assessment and the value of your loss, you may hire a public adjuster to conduct a separate assessment to submit to your insurance company. The insurance company will review both assessments and negotiate, with you, a fair settlement.

What is a Public Adjuster?

A public loss adjuster will investigate and examine insurance claims, assess cost and value of the loss, and submit a claim to your insurance company. A public adjuster works for the property owner, while a private adjuster works for the insurance company. Either way, their responsibility is to provide the best resolution to the property owners’ loss and negotiate payment for the repair, renovation or restoration.

A homeowner may choose to hire a certified public adjuster if they feel the adjuster working for their insurance company is not providing them with adequate compensation for their loss. In such a case, the public loss adjuster will conduct their own investigation of the claim and submit a separate claim for the purpose of negotiating a fair settlement through the insurance company. There are specific forms and files which are used by the public claims adjusters which are required by the insurance company.

What is a Restoration Contractor?

Insurance Restoration Companies help remediate and restore damage that occurs to your property. You may not know when an accident is going to happen or the extent of the damage to your property. What you will need is an expert restoration company who will immediately respond to your emergency situation.

What is the role of a General Contractor?

General Contractor services are needed to repair damage caused to your home upon filing an insurance claim. Once an insurance adjuster outlines the cost for repairing the damage, it is the responsibility of the homeowner to hire a license general contractor who will work within the limits of the insurance quote. When conducting a search for general contractors, it is important that your building contractors are familiar with the insurance claim procedures.

There is an abundance of detail involved in the process of filing property insurance claims, of which the property owner is often unaware. Therefore, find a construction company professional with the expertise in insurance claim renovations & restorations.

D Brown Construction works with clients during the entire reconstruction process to return your damaged home back to pre-loss condition quickly, cost effectively, and efficiently. With just one call you will have the industry’s most knowledgeable reconstruction contractors at your service.

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Fire Restoration & Remodeling in South Carolina

D Brown Construction "Let us rebuild your home"