Insurance Claims


Do you offer free estimates for Insurance Claims?

Your Insurance company will send out an Adjustor to provide you with an "Adjustor's Report" listing all visible damage at time of inspection. This is your estimate. You may contact us for your Insurance Claim but we will not set an appointment until you have your Adjustor's report in hand for review.

We do not write estimates for Insurance Cliams because the Adjustor's Report is your estimate for the repairs and is the amount we will do the repairs for. Nearly all Adjustor reports are low and additional supplements will have to be filed by the contractor performing the work. Your only out of pocket expense is your deductible.


What is a deductible and who pays it?

A deductible is an amount which a policyholder agrees to pay, per claim or per incident, toward the total amount of an insured loss. For example, if you incur a loss and your insurance company determines repairs for the damages will cost $10,000.00 and your policy has a $1,000.00 deductible, your insurance company will pay $9,000.00 and it will be your responsibility to pay the remaining $1,000.00 balance to the contractor.


I don't think the insurance company's "Adjustor's Report" estimated enough to have my home repaired. What do I do?

Insurance companies expect supplements from the contractor. It is very easy for an Insurance Adjuster to miss several items while doing their estimate. Every Insurance company has a Supplement Team to deal with additional costs. Your only out of pocket expense will be your deductible. If you choice Millbrook-Construction to repair your home, we will work directly with your Insurance Company to ensure all the necessary repairs are made to your home.


Exactly what does the Insurance Company pay to replace?

Your insurance will pay to repair your home with material comparable to what was damaged. If you desire upgrades, you pay the difference in cost. For example, if the insurance company is paying to replace your carpet, but you'd prefer hardwood floors, you would pay the difference in the cost for the upgraded material, labor, and overhead to the contractor.