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referraleigh
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Contractor Referral Specialists

Contractor Referral SpecialistsContractor Referral SpecialistsContractor Referral Specialists

Contractor Referral Specialists

Contractor Referral SpecialistsContractor Referral SpecialistsContractor Referral Specialists

We specialize in Insurance Claim referrals by offering a free service to any homeowner who has suffered a loss. 

INSURANCE CLAIM

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What Just Happened?

You have just had a (water,fire,wind,hail) loss at your home. The adjuster is pulling out of your driveway and you are standing in what looks like a war zone, holding an estimate that does not make sense and a check that looks too small. REFERRALEIGH is here to help. Take a look at our process to see how.

Find out more

About Us

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Our Service

Our Contractors

Our Contractors

After we have reviewed your insurance estimate, we can provide you with a list of contractors in your area who are qualified to repair the specific damage to your home.

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Our Contractors

Our Contractors

Our Contractors

We diligently maintain a list of qualified, professional contractors from all trades. All of the contractors we refer are insured and licensed as required. Most importantly, our contractors are experienced with insurance work and understand the claims process. 

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Our Team

Our Contractors

Our Team

We have a dedicated staff who are not only experts in the insurance claims process, but also in the construction industry. This combination of knowledge allows us to provide you with the perfect selection of contractors for your needs.

Frequently Asked Questions

Is it really FREE?

YES! REFERRALEIGH does not charge the homeowner for this service. We only ask that you answer a short survey at the end of the repairs for quality control purposes. 

Do we have to use this contractor?

You are under no obligation to use the contractor provided by REFERRALEIGH. We understand there are many factors in choosing a contractor and no hard feelings if you choose one we did not recommend. 

Is Referraleigh a contractor?

No, REFERRALEIGH is a contractor referral service. We do not have any affiliation with the companies we refer. 

NCDOI

The North Carolina Department of Insurance has a page dedicated to answering questions about Homeowners Claims : https://www.ncdoi.gov/consumers/homeowners-insurance .

What if I have a mortgage company?

If your adjuster includes the mortgage company on the check, contact your mortgage company and let them know you have had a loss. Each company has a different process, but most will ask you to send them your adjusters estimate and the check. They will review, endorse and return it to you. In some cases the mortgage company may hold the funds in escrow and pay draws as the work is completed. This process may delay your repairs so the sooner you start it the better. 

What if I do not have an insurance claim?

Although we are dedicated to serving those with an insurance claim, we will assist others in need of a referral. Send us your contact information with a brief description of your needs and we will help out if we can. 

Will Referraleigh come to my house?

No, we do not conduct inspections in the home. If additional information is required, we will work with the homeowner to obtain it without physically coming to the home. 

Common Insurance Terminology

Dec Page

Your insurance policy will have a declarations page that defines the coverages that your insurance policy provides. This should be provided each month with your statement from the insurance company or you can obtain a copy from your insurance agent. 

Deductible

On your Dec Page there will be listed a deductible for your insurance policy. The deductible is the amount of money that you will pay out of pocket for the damage to your home. If the total damages is $1,000.00 and you have a $500.00 deductible, the adjuster will issue a check for $500.00 and you add your $500.00 deductible to make the $1,000.00 repair. 

Depreciation

Depreciation is the decrease in value of an item over a period of time. If you paid $400.00 for your TV 10 years ago and now you can only sell it for $100.00. It has depreciated $300.00.  

Actual Cash Value (ACV)

Most insurance adjusters will depreciate the initial payment on an insurance claim and this payment is known as the actual cash value. If you had a fire and your 1920's kitchen sustained $10,000.00 in damages, the adjuster might depreciate the kitchen $5,000.00 and issue an ACV check for $5,000.00. Some policies are only ACV policies and you can only receive the depreciated amount for your loss. 

Replacement Cost Coverage

Some policies provide replacement cost coverage for a loss. This means the the adjuster will issue an initial ACV payment for the damages and when the work has been completed they will issue a payment for the depreciated amount. This amount is known as Recoverable Depreciation or Holdback. 

Agent vs. Adjuster

Your Insurance Agent is who you purchased your insurance through. This is typically who you call to file your claim with. Your Insurance Adjuster is who the insurance company has designated to review your claim and issue the payments. 

Contractor

There are many different types of contractors. General Contractors, Licensed Trade Contractors, Sub-Contractors, General Trade Contractors, and Handyman Services. Each job requires a different set of skills and potentially licenses. Referraleigh specializes in knowing which contractor you will need based on the size, complexity, and scope of your repair. 

Mitigation

Most insurance policies require the homeowner to mitigate the damages to their home when there is a loss. Mitigation refers to that process. It can refer to anything from putting a tarp on your roof to a full dry-out of your home using large equipment. 

Process

1. Estimate Review

3. Selection Review

1. Estimate Review

Our Team will review your adjuster's estimate to make sure nothing was missed. This is a free review even if you do not use our referred contractors.

2. Service Review

3. Selection Review

1. Estimate Review

Our Team will complete a review of the adjusters estimate to determine which contractor or combination of contractors you need to complete your repairs. Our goal is to find efficiencies that will allow you to get the work done quickly.  

3. Selection Review

3. Selection Review

3. Selection Review

Our Team will provide you with a custom list of material selections that are specific to your loss and your repairs. This will allow you to start making selections on materials early in the process and hopefully save you time in the end. 

4. Referral

4. Referral

3. Selection Review

REFERRALEIGH will provide you with the contact information for the contractors that best fits your project. Unless otherwise requested we will email you this information. 

5. Timeline

4. Referral

5. Timeline

Although we can not control the schedule of each homeowner and contractor, we have found it is helpful to have an estimated timeline as early in the process as possible. 

6. Survey

4. Referral

5. Timeline

All of our services are free to you as a homeowner. We only ask that at the end of the process you fill out a brief survey to help make our services better for the next person in need. 

Lets Get Started!

Send us your estimate and any questions you may have. We look forward to helping you!

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