1. Proactive & Strategic Approach

When we approach you, it's because we see a genuine opportunity for a successful insurance claim. We strategically focus on regions recently impacted by weather events such as hail, especially areas where we've had a strong record of successful claims. Simply put, we value efficiency and respect—your time is as precious to us as ours!

2. Thorough Inspection & Agreement

After you've given us your green light with a signed contract, our expert inspectors get to work. They will carefully examine your property and roof, identifying damages that often go unnoticed. If the damage is minor and unlikely to lead to an insurance claim, we'll be upfront about it and keep you in the loop. And don't worry, we'll check back after the next hailstorm - a regular event in Illinois! However, if there's significant damage and we anticipate a successful claim, we'll walk you through what comes next. Your job? Just sit back and let us handle the details.

3. Setting up the Adjuster Meeting

If the damage is indeed claim-worthy, our Certified Public Adjuster will step in to file your claim and arrange a meeting with the insurance company's adjuster. This crucial meeting is when both parties inspect the damage together. Our adjuster will be there to ensure nothing gets overlooked and your interests are fully represented.

4. Assisting with Your Insurance Claim

Our Certified Public Adjuster's job doesn't stop at the meeting. They stay by your side throughout the claim process, acting as your personal advocate, expertly steering through the intricacies of the insurance system. While the insurance company's adjuster is focused on their company's interests (like saving the company money by minimizing payouts), our adjuster fights for you, ensuring you get the coverage you rightfully deserve. In fact, it's not uncommon for our clients to receive up to 60% more on their claims compared to those who don't use a public adjuster. So, just relax, we've got your back!

5. Waiting for Approval or Denial

Waiting can be stressful, but rest assured, we've got your back. If your claim is denied, we don't just stop there. We can request a re-evaluation, engage in mediation, arbitration, or even bring in an umpire—a neutral third-party professional who can make a binding decision on your claim.

6. Post-Claim Approval

Once your claim is approved, you'll typically receive your initial insurance check within 10 to 14 days. Insurance companies usually issue payments in two parts: the first check represents the actual cash value (ACV) of your loss, and the second check covers the recoverable depreciation. This two-check system ensures that the insurance payout is used for the intended repairs.

The initial check is placed into an escrow account managed by our Public Adjuster, a legal requirement aimed at ensuring that the funds are used solely for the restoration work outlined in your claim.

We'll navigate this process together, guiding you through each step and managing all the paperwork and necessary procedures for a seamless experience. Our goal is to help you understand your claim, so feel free to ask if anything is unclear. We're here to help you rebuild, starting with understanding the process.

7. Material Selection and Work Planning

With the claim approved and funds secured, we’ll schedule a meeting to choose materials for your new roof. We’ll show you samples of roofing shingles, siding choices, and other necessary materials. After you've made your selections, we'll agree on a work commencement date.

8. Roof Replacement and Restoration

Our dedicated Field Manager supervises the work to ensure top-quality results. If additional interior repairs are needed following the roof replacement, our team will coordinate and manage these projects from start to finish.

9. Completion

Once all the work is done, we handle all the final paperwork. Restoring your property doesn’t have to be a stressful endeavor. With XYC Inc, you can sit back while we manage the details, delivering excellent results at a cost-effective price. You're in safe hands with us, and we commit to a smooth, transparent process with no unpleasant surprises along the way.