What to Expect with
Insurance Claim Process
When disaster strikes, we know how overwhelming it can be to deal with damage, paperwork, and the uncertainty of what comes next. RIGGS Construction Group partners with SERVPRO of Tupelo & SERVPRO of Amory/Aberdeen & West Point to guide you through the entire process - from emergency response to final rebuild - so you can focus on moving forward with confidence.
PHase 1
Pre-Construction
Restoration & Damage MitigatioN
(Led by SERVPRO)
SERVPRO of Tupelo
SERVPRO of Amory/Aberdeen & West Point
Step One – Emergency Response
SERVPRO arrives quickly to secure your property, stop further damage, and begin the mitigation process.
Step Two – Damage Assessment
Their restoration team documents the damage thoroughly with photos and reports, ensuring your insurance company has a clear picture of what’s needed.
Step Three – Restoration Services
SERVPRO provides immediate water, fire, storm, mold, and asbestos restoration services, returning your property to a safe, clean condition so RIGGS can begin rebuilding.
PHase 2 Construction
INsurance Claim supporT
(RIGGS + SERVPRO Partnership)
+
Step One – Claim Coordination
We work directly with you and your insurance adjuster to make sure your claim is properly filed and accurately documented.
Step Two – Transparent Estimate
RIGGS provides a detailed reconstruction estimate, aligned with insurance requirements and your coverage.
Step Three – Approval & Authorization
Once your claim is approved, we prepare a Work Authorization and Payment Schedule - so you’ll know exactly what to expect before construction begins.
PHase 3
Post-Construction
Reconstruction & Rebuild
(Led by Riggs Construction Group)
Step One – Planning & Materials
You’ll select materials within your insurance budget (with options to upgrade if you wish). RIGGS schedules your rebuild to begin promptly after insurance approval.
Step Two – Skilled Construction
Our local crews handle every aspect of reconstruction—roofing, framing, drywall, flooring, and more—with the same grit and craftsmanship we bring to every project.
Step Three – Final Walkthrough & Satisfaction
When the work is complete, we’ll walk through your rebuilt property with you, address any final details, ensure you’re completely satisfied. We confirm your home is back to pre-loss condition or better before closing our your claim.
We hope to earn your five stars!
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F.A.Q.
Will my insurance cover all the costs of reconstruction?
Many policies cover restoration and reconstruction after fire, water, or storm damage, but coverage varies. We work closely with you and your insurance adjuster to clarify what’s included so you know what to expect.
How long does the insurance claim process take?
The timeline depends on your insurance company and the complexity of the damage. We provide thorough documentation upfront and stay in communication with your adjuster to help keep the process moving efficiently.
Do I need to get multiple estimates for my insurance claim?
Some insurance companies may request multiple estimates, but in many cases, one detailed estimate from a trusted contractor like RIGGS is enough. We ensure our estimates meet insurance requirements.
What happens if the insurance payment doesn’t cover everything?
Your insurance covers repairs up to your policy limits. If you choose upgrades or changes beyond what’s covered, we’ll provide a clear breakdown of any additional costs before work begins.
Who coordinates between SERVPRO, Riggs, and my insurance company?
We do. SERVPRO of Tupelo handles the immediate restoration, while RIGGS oversees the reconstruction. Together, we work directly with your insurance adjuster so you don’t have to manage the back-and-forth.