Help with your insurance claim, start to finish

It depends on your policy and on what caused the damage. Sudden and accidental water damage, like a burst pipe, and fire are usually covered perils. Flooding from rising water usually needs a separate flood policy, and coverage for mold and asbestos is often limited or excluded. AmeriTribe will not promise coverage; we help you read your policy and document the loss.

Xactimate is the estimating software most insurance companies use to price repairs. AmeriTribe writes estimates in Xactimate, line by line, so your adjuster can compare them directly with their own.

Many homeowners policies include additional living expenses, sometimes called loss of use, which can cover a hotel or short-term rental when the home isn't livable. Check your policy and keep every receipt. We can help you explain to your adjuster why the home can't be lived in.

Work begins after a deposit, which is usually funded by your insurance check. Insurance payments can take four to five weeks to arrive, and we explain the payment schedule in writing before work starts.

Your deductible, work your policy excludes, and upgrades you choose are paid by you. AmeriTribe gives you a written scope first so you know the amount, and you can check financing options through Acorn Finance without affecting your credit score. See how financing works.

Yes. We meet adjusters on site, share our photos, moisture readings and estimate, and answer their questions. You stay in charge of your claim, and we make sure the adjuster has what they need.