It’s best to notify us as soon as an incident occurs or as soon as you become aware of a potential claim. Prompt reporting allows us to begin the claims process swiftly, gather accurate information, and prevent delays. Early action often improves the likelihood of a smooth, favorable resolution.

Documentation requirements vary depending on the nature of the claim. Typically, you’ll need records such as project contracts, incident reports, witness statements, photographs of damages, invoices for materials or equipment, and any relevant communication (emails, letters) related to the incident. Our claims team will guide you through exactly what’s needed, ensuring you provide comprehensive, accurate evidence that strengthens your case.

The timeline depends on the complexity of the claim, insurer response times, and the availability of supporting documentation. Straightforward property damage claims can sometimes be resolved within a few weeks, whereas complex liability or professional indemnity claims may take longer. Throughout the process, we maintain open communication, provide regular updates, and work diligently to expedite your claim.

Insurance premiums are influenced by factors such as claims history, the frequency and severity of incidents, and evolving risks. While filing a claim can potentially impact future premiums, we’ll help you understand how your claim experience may affect policy renewals. In many cases, we can recommend proactive risk management measures to potentially mitigate any increases.

A claim denial can be frustrating, but it doesn’t have to be the end of the story. Our team will review the insurer’s decision, examine the policy wording, and clarify any misunderstandings. If we find grounds to challenge the denial, we’ll leverage our network and industry relationships to escalate the matter. Our goal is to ensure that every claim receives fair and thorough consideration.

While you can interact directly with your insurer, working with iBuild Insurance gives you the advantage of professional advocacy. We understand policy nuances, can clarify coverage details, and represent your interests during negotiations. This often results in a more efficient process and a more favorable outcome than going it alone.

We draw on decades of construction insurance experience and strong relationships within the Community Broker Network and Steadfast Group. By thoroughly understanding your policy, gathering compelling evidence, and applying our industry expertise, we advocate to ensure the insurer honors the terms of coverage. Our 98% claims success rate reflects our commitment to securing just resolutions.

We’ll help assess liability and involve all relevant parties. Our team works with insurers, legal advisors, and other stakeholders to determine responsibility and negotiate settlements that reflect the true scope of each party’s involvement.

Policy exclusions vary, so it’s essential to understand your individual coverage. Common exclusions might include deliberate or fraudulent acts, normal wear and tear, or certain unapproved contract amendments. If you have questions, we’ll review your policy, explain its scope, and if needed, recommend additional coverages.

Contact us, and we’ll guide you through the process. After learning about the incident, we’ll determine which of your policies is best suited to handle the claim. If more than one policy is relevant, we can coordinate a combined strategy to ensure all covered aspects are addressed.