Understanding the basic process can help you stay organized, communicate clearly, and make informed decisions. Emrick Services can assess and document damage and provide project information; your insurer determines coverage, deductibles, payments, and approval.
Locate your policy and review the policy number, covered property, coverage limits, deductible, exclusions, emergency mitigation requirements, reporting deadlines, additional living expense coverage, and how to file a claim.
Provide your insurer with your name and policy number, property address, date and time of the incident, type and suspected cause of damage, affected areas and belongings, and actions taken. Ask for your claim number and the assigned contact.
Take wide and close-up photos and video, list damaged belongings with brands, models, ages, and prices when available, keep damaged items for inspection when safe, and save receipts for emergency work and related expenses.
Your policy may require reasonable action to protect the property — water extraction, board-up, temporary roof covering, moving belongings, or securing openings. Document conditions before and after emergency work.
Walk through all affected areas, share documentation, point out hidden or developing concerns, ask what else is required, request written explanations of important decisions, and keep notes.
Depending on the project, we may assist by providing:
Emrick Services provides restoration-related information but does not determine policy coverage, approve claims, interpret insurance contracts, or guarantee reimbursement.
Insurance policies may value covered property differently. Your declarations page and policy documents should identify which coverage applies.
| Coverage type | How value is generally calculated |
|---|---|
| Replacement Cost Value (RCV) | The cost of repairing or replacing covered property using materials of a similar type and quality, subject to policy terms and limits. |
| Actual Cash Value (ACV) | Considers depreciation when calculating the value of damaged property — typically a lower amount than replacement cost. |
If you disagree with a claim decision, ask your insurer for a written explanation, review the relevant policy language, and provide any missing documentation. Kentucky consumers may contact the Kentucky Department of Insurance for help understanding the process.
If your property has been affected by water, mold, fire, smoke, sewage, storm damage, or another emergency, Emrick Services is ready to help assess the situation and explain the restoration steps.
This page provides general educational information and is not legal, financial, or insurance advice. Coverage and claim decisions depend on your individual policy and insurance provider.
