How It Works

Lone Star Catastrophe Services, Inc. makes this process as straightforward as possible. Once adequate damage has been detected, the first step is filing a claim with your Insurance Company. When filing the claim, it is important to know your date of loss (storm date) and type of loss (hail, wind, or hail AND wind). It is also important to record the date and time of the adjuster appointment, as well as the name and contact number for the adjuster. When applicable, Lone Star Cat may want to meet the adjuster at your home to represent your best interests. This ensures that the scope of the work is agreed to up front, rather than arguing after the fact about missed damage or extra costs that may occur. (See further information on “How Bids Work Against You.”)

Your Insurance Company will present you with a summary for dwelling and/or scope of damage outlining the grand total or Replacement Cost Value (RCV), comprising of the first disbursement or Actual Cash Value (ACV), depreciation (hold-back money) and your out-of-pocket deductible. Insurance companies rarely pay all monies up front. The first disbursement of the ACV check will be for an amount considerably less than what it costs to restore your home, but will provide a partial amount to begin work.  As construction commences, our staff will take care of getting all back-end monies released including depreciation hold-back payment. The recovering of depreciated funds can be an extremely difficult and confusing process, causing red tape and delays. The Insurance Company will issue payments to the insured and your Mortgage Company if applicable, thus causing further delay. Rest assured that Lone Star Cat understands the intricate procedure for each Insurance Company and Mortgage Company. Our staff handles the entire process. Our goal is to do all of the legwork in order to relieve you of the stress of working with your Insurance Company and Mortgage Company so that the only responsibilities you have are to choose your product specifications and pay your deductible. Lone Star Cat then performs all of the restoration work line by line as outlined by the insurance scope.

Lone Star Catastrophe Services, Inc. works exclusively with insurance restoration projects. When your home is damaged by a storm, you can be confident we will be at your side providing maximum service to you and your family.

Ready to find out more?

Contact us for a complementary inspection of your property.