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Multifamily Insurance Claim Process

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Insurance Claims Process for Multifamily

Insurance Claims Process

The Tenants Come First, Let’s Make Sure the Families and the Pets are Safe and Secure.

Insurance Claims Process

The policyholder has responsibilities after filing a Homeowners Insurance Claim.  The insured is required to take immediate action to protect their property from incurring additional damage.
“The responsibility is to mitigate the damage in an attempt to minimize the amount of the loss to both the building and financial loss related to Additional Living Expenses.”
Example:  Secure an emergency tarp for the roof and have the water extracted from the building.

Insurance Claims Process

The insurance claim process will take time, so plan accordingly.  Secure appropriate temporary housing for you and your family. Your policy affords coverage for this.

Insurance Claims Process

The policyholder should understand the terms and conditions of their insurance policy, including coverage amounts, exclusions and limitations, damage valuation methods, and their duties and responsibilities, for filing a claim.
There are specific forms to be completed and time limitations.  It’s very important that these requirements are met.

Insurance Claims Process

Claim Preparation and Documentation – The policyholder must understand the terms and conditions of their policy, including coverage limitations, valuation methods, and their duties and responsibilities, for filing a claim. The time limitations are critical.

Insurance Claims Process

The claim will be audited in detail and adjusted by the insurance company and their experts.  It is common to have differences, so prepare accordingly.

Insurance Claims Process

Insurance Claim Payments
This is a three-check process.

Actual Cash Value Payment
This is the initial payment of the undisputed amount of the claim.
This amount will be deducted from the claim and is the policyholder’s responsibility to pay to the contractor.
Recoverable Depreciation
This payment is released once all work listed in the insurance claim has been completed. The contractor provides a final invoice only for work completed.  This is the notice to the insurance company to release recoverable depreciation.  You must spend all the claim funds in order to recover the entire amount of recoverable depreciation.

Mortgage Company
Mortgage companies are listed as co-payees on claim checks typically when the entire claim amount exceeds $10,000.00.

Insurance Claims Process

You should not proceed with any permanent restoration or repair work until you have a written agreement with the insurance company. 
*The insurance company estimate, and check should be in your possession.
If replacement cost coverage applies, the actual repair and rebuild decisions will affect your total claim recovery.

Licensed Texas & Florida Public Insurance Adjusters
Private Insurance Claim Consultants


Residential Fire Claim
Without the help of Ches Bostick and Abba Claims our insurance claims, from losing our house and all our belongings to a fire, would not have been properly paid by our insurance company. Ches made us feel important and valued. His customer service was excellent. – Sara Nevill

Commercial Hail Claim
Abba Claims took our claim from “no damage” according to our insurance company, to obtaining an insurance settlement of over $480,000.00. We would not be able to get a proper settlement and make the much-needed repairs without the impressive and effective assistance and guidance of Abba Claims Consultants. – Betty Reichel

Commercial Hail Claim
It is with much enthusiasm and great appreciation that I am writing to recommend the services of Abba Claims Consultants, LLC.  Our Association was able to successfully settle our claim.  Our amazing outcome is a result of the professional assistance and guidance we received from Abba Claims.  In addition, our success is due to the excellent detail and preparation of our claim.  From start to finish, Abba Claims was our trusted consultant, gave us updates, assisted in vetting vendors and met with the myself and the Board of Directors as needed.  Abba Claims has our trust and proved their commitment. For this reason, I am happy to recommend their services.  On any other claims, Abba Claims Consultants, LLC will be my first call. – Tara Lee Jolley, Sr. Manager, Oberg Properties, Guest Quarters of Academy Place

Residential Hail Claim
We experienced a terrible hail storm that caused major damage to our home. Our insurance company fought us at every turn until we finally got smart and hired ABBA. Ches, Darik and Malerie worked tirelessly to help us through a VERY difficult time. We are very grateful for their help and consider them family after all they have done. – Daniel Miller


We provide Public Adjusting Services to homeowners & business owners across the States of Texas, Florida, Oklahoma, Colorado, Georgia, South Carolina & North Carolina.

Ches Bostick Texas Public Insurance Adjuster License #1400001
Abba Claims Consultants, LLC Texas Public Insurance Adjuster License #2003555

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