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How the insurance process works

Restoration claims involve more people than a normal project. Here's how it all fits together — and how we handle it for you.

The actual construction part of a restoration is the same as any project. What's different is getting started: there are more people involved, specifically your insurance and mortgage companies. We work with both to keep things moving.

Your adjuster creates and approves the estimate. From there, we schedule a start date and keep your insurance company updated on the project's status — so you can rest assured it's being taken care of. And with decades of experience working directly with insurers, we know how to navigate the process for you.

Who's involved

  • You — approve the work and pay your deductible
  • Your adjuster — creates and approves the estimate
  • Your insurer — funds the approved claim
  • Your mortgage company — for larger claims, holds and releases funds
  • Schrimsher & Sons — manages it all and does the work
Common questions

Insurance & mortgage questions

How does the process work with my insurance?
Your adjuster creates and approves the estimate. From there, we schedule a start date and keep your insurance company updated on the project status throughout — so you don't have to worry about it. With decades of experience working alongside insurance companies, we know the process inside and out.
What if I want something nicer than the estimate covers?
The adjuster's estimate breaks everything into line items. If you want an upgrade, we invoice you only for the difference. For example, if insurance allows $7.05 per square foot for flooring but you prefer flooring at $10.05 per square foot, you'd pay the extra $3 per square foot.
Is my mortgage company involved?
For larger estimates, yes. The insurance company issues a check to you, you sign and send it to your mortgage company, and they release a deposit so we can start. Along the way they inspect and approve the work.
How much will this cost me?
Unless you choose to upgrade something, you typically only pay your deductible. Most insurers have an app or website where you can view your policy's deductible, and we're happy to help you find that amount.
How fast can it start, and how long will it take?
Before starting, we need approvals from your insurance company, and those timelines vary. We work with both your insurance and mortgage companies to keep things moving. Total time depends on how quickly approvals come through and the extent of the damage.
Will I have to move out?
Your insurance adjuster determines whether your home is livable. If you need to move out, work with your adjuster to secure accommodations during the restoration.
What documentation should I keep?
Keep copies of the estimates and your insurance claim information — a dedicated email folder works well. It also helps to record a phone walkthrough of your home, talking through the damage as you go.

Ready to love your home again?

Restoration or remodel — call the Huntsville contractor your neighbors have trusted since 1965 to get your project started.

Call (256) 533-3560
Get in touch

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Send us a few details and we'll get back to you. Prefer to talk? Call us — a real person will answer.

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Address2110 Meridian Street North
Huntsville, AL 35811
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HoursMonday – Friday, 7:30 AM – 4:00 PM
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Licensed & insuredAL Home Builders License #28542 · BBB A+ Accredited since 1973

Prefer to talk now? Call (256) 533-3560.

Areas we serve: Huntsville · Madison · Athens · Decatur · Meridianville · Hazel Green · Harvest · Owens Cross Roads · New Hope · and all of Madison County, Alabama