Insurance Assistance
INSURANCE IS
CONFUSING.
WE'RE NOT.
Your home just got damaged. Now you're supposed to navigate a claims process designed to minimize payouts while simultaneously finding a contractor who won't rip you off. We handle both — the claim documentation and the rebuild.
CLAIMS WE SUPPORT.
STORM & HURRICANE DAMAGE
Wind damage, fallen trees, roof damage, flooding. Florida's #1 insurance claim category. We know the process inside and out.
WATER DAMAGE
Burst pipes, appliance failures, roof leaks, flooding. Time-sensitive — document and mitigate immediately to preserve your claim.
FIRE & SMOKE DAMAGE
Kitchen fires, electrical fires, smoke damage throughout. Complex claims requiring detailed documentation of both visible and hidden damage.
STRUCTURAL DAMAGE
Foundation issues, load-bearing failures, sinkhole-adjacent damage. Requires professional assessment and engineering documentation.
HOW WE HELP.
EMERGENCY MITIGATION
We stabilize your home first — tarping, water extraction, board-up. This is REQUIRED by most insurance policies to prevent further damage. We document everything.
Insurance requires you to mitigate further damage. Failing to do so can reduce your payout.
DETAILED DOCUMENTATION
Professional-grade photos, measurements, and damage reports. We catalog every affected area with the detail insurance adjusters need to approve your claim.
Our reports are formatted to match what adjusters look for — reducing back-and-forth.
SCOPE & ESTIMATE
We prepare a comprehensive repair estimate using industry-standard pricing (Xactimate-compatible). This becomes the basis for your claim amount.
Having a licensed contractor's estimate often results in higher approved amounts.
ADJUSTER COORDINATION
We meet with your insurance adjuster on-site. Walk them through the damage. Answer technical questions. Advocate for full coverage of necessary repairs.
Adjusters respect licensed contractors who speak their language.
REPAIR & REBUILD
Once your claim is approved, we begin repairs immediately. Same crews, same quality standards, same fixed-price approach as all our projects.
We can often begin repairs before full claim settlement using approved scope documents.
FINAL DOCUMENTATION
Completion photos, warranty documentation, and final invoicing formatted for your insurance company's records. Clean close on your claim.
Proper close-out documentation prevents claim disputes down the road.
INSURANCE CLAIM TIPS.
From experience. Save these.
File your claim ASAP — most policies have strict reporting deadlines
Don't throw anything away until the adjuster has seen it
Take your own photos and videos immediately, even on your phone
Keep all receipts for emergency expenses (hotel, food, mitigation)
Don't sign anything from your insurance company without understanding it
You have the right to choose your own contractor — the insurance company can't force one on you
Get a second opinion if your claim is denied or underpaid
Keep a written log of every conversation with your insurance company
A NOTE ON OUR ROLE
TB Construction is a licensed general contractor — not a public adjuster or attorney. We provide damage documentation, repair estimates, and coordination with your insurance adjuster. For complex claim disputes, we can refer you to trusted public adjusters and insurance attorneys in Jacksonville. Our goal is simple: document the damage accurately, rebuild your home properly, and make the process as painless as possible.
DAMAGE HAPPENED.
WE'LL HANDLE IT.
Call now. We'll assess the damage, document everything, and guide you through the claim.
(904) 889-4430