worst thing that can happen to a homeowner is finding their home heavily damaged
as a result of fire, water, or storm damage. When
this happens, most homeowners feel overwhelmed
with their loss.
To ease the burden, Integrity Restoration, Inc. has the experience and
help you through these difficult times and get your home
returned to its' pre-loss condition.
- Your first step is to not get too
overwhelmed with everything that has happened, take every thing one step at a
- Report the loss to your insurance
company. The insurance company will assign an adjuster to the loss and give you a claim
- The insurance adjuster will make
arrangements to meet with you to discuss the loss and to
answer your questions about the
process to repair the damage.
- If the damage is extensive enough
to require you to find alternate living arrangements, your
adjuster will help you with the
arrangements and issue you a check to compensate you for your
additional living expense (if
coverage applies). It is important for you to document all
additional living expenses and turn
all receipts into your adjuster for reimbursement.
- Choose a contractor to repair your
property back to its pre-loss condition. Most insurance
companies have a list of
contractors that they have worked with in the past. However,
Minnesota State law says that you have the right to
choose your own contractor to repair your home.
sure to consider the contractors
start to finish time for completing your project).
- Your insurance adjuster and the
contractor will meet at your property to discuss the scope of
damage and the price to fix the
agreed upon damage.
- Once you, your insurance adjuster,
and your contractor have agreed on the scope of damage,
the insurance company will issue an
insurance draft (check) to you to pay for the repair of your
property. The check usually
requires your mortgage company, your contractor, and your
- If the damage is extensive enough,
your personal belongings may need to be packed out,
cleaned and stored until the construction process is
complete. You'll want to choose one
contractor that can perform all
duties and has the experience to restore your belongings to
- Start the rebuilding process.
You will now meet with the contractor of your choice and discuss
the rebuilding process in complete
detail. Over the next couple of weeks, you'll need to pick
many different items to repair the damage (paint
color, stain color, carpet, vinyl,
etc.) This is where you can
finally see the light at the end of the tunnel and can start
some fun reshaping your property.
This is also the perfect time to make any changes that you
have longed to do; remove a wall,
add a bathroom, install a bay window, etc...
Twin Cities Area: 763-506-0200
Central MN Area: 320-845-6080
Typical Loss Scenario