Typical Contractor's Claim Timeline
Not every step applies to every claim, and order can shift job to job — but here's how a typical restoration claim flows from first call to final check.
Homeowner calls the contractor for an estimate; the contractor hands the insurance side to Tekton Claims. We talk the homeowner through the process and get a signed agreement.
We inspect the damage, evaluate it against the policy, and report findings to the customer, kicking off the pre-work documentation phase.
Photos, video, 3D scans, engineer and material reports, aerial reports, and any required testing — all built to support a comprehensive, carrier-ready estimate at no upfront cost to the contractor.
Tekton Claims meets the insurance field adjuster on-site to agree on the scope of covered damage — the critical step where our experience drives higher payouts and coverage.
The official insurance estimate — often 150-400 pages across several reports — is submitted to the carrier. Tekton Claims negotiates directly with the claim adjuster on scope and cost.
Once the carrier approves an estimate Tekton Claims agrees with, we review it with the contractor — exact scope, payout, profit, and materials — and confirm he wants the job.
The homeowner is invoiced their deductible. Tekton Claims walks through covered scope, start date, color/style choices, and any upgrades so everyone's aligned before work begins.
Our mortgage specialists get the first draw released — contractor and homeowner as co-payees on every check, customer sign-off required before cashing. Construction begins.
The contractor notifies the mortgage company as each draw is due. Any additional non-covered work discovered mid-repair can be added via a supplemental report or by the homeowner's choice.
Once the home is back to its pre-loss state, the final completion report is submitted to close the claim. The insurer releases final payment (typically 1-3 weeks), the customer signs off, and everyone walks away with a quality job done right.