Claim process

How Hillis Moves Your Claim Forward

A clear, eight-step process from the first inspection through negotiation and final claim payments.

1

Initial inspection

Inspect, photograph, estimate damages, and review policy coverage.

2

Emergency mitigation

Coordinate urgent services such as water mitigation, board-up, plumbing, roof, siding, living setup, and dry cleaning.

3

Carrier notice

Report the loss or notify the insurance company that Hillis represents the policyholder.

4

Joint inspection

Meet the insurance company adjuster at the property and present the damages.

5

Estimate review

Evaluate the carrier estimate, request payable funds, and keep the negotiation moving.

6

Negotiation

Pursue supplemental amounts for missed, incomplete, or undervalued damages.

7

Release funds

Request outstanding payments from the insurance company.

8

Recover depreciation

Submit invoices, estimates, and receipts to request the release of recoverable depreciation under your policy.

What happens next

The detail behind each stage of the claim.

Open any step for the responsibilities, communication, and documentation involved.

01Initial Inspection

Hillis Adjustment Agency’s Adjuster will meet with you at the loss property to inspect, photograph, and estimate damages. Then, the Adjuster will professionally review your insurance policy for coverages.

Our Adjuster will review our contract with you, answer any questions, and explain the claims process in full detail.

02Emergency Mitigation/Remediation

If needed, our Adjuster will make recommendations for emergency services, including, but not limited to:

Water MitigationBoard up Windows/DoorsPlumbing Repairs

Temporary Roof/Siding Repairs Additional Living Setup if misplaced from your home

Dry Cleaning Services
03Report Loss to Insurance Carrier

Hillis Adjustment Agency reports the claim to your insurance company on your behalf. If the claim has already been reported, Hillis Adjustment Agency will notify the insurance company of their representation.

The Insurance Company contacts Hillis Adjustment Agency (typically within 7 - 10 business days) to schedule an inspection at the loss location.

Once Hillis Adjustment Agency has informed the Insurance Company of their representation on your behalf, the Insurance Company should no longer contact you. If the Insurance Company attempts to contact you in any way, please do not respond and inform Hillis Adjustment Agency as soon as possible. All communications, both emails or letters, from the Insurance Company should be forwarded to our email address or physical office address where applicable.

04Appointment with Insurance Adjuster and Hillis Adjuster

Hillis Adjustment Agency schedules their Adjuster to meet the Insurance Company’s Adjuster at the loss property to present the damages.

Following completion of the inspection, the Insurance Company’s estimate is requested for review by our industry professionals

05Evaluate Insurance Company Estimate

Hillis Adjustment Agency reviews the Insurance Company’s estimate.

Hillis Adjustment Agency requests that the Insurance Company release any payable funds. These funds will not affect the negotiation process and you can use the funds to begin repairs.

Hillis Adjustment Agency provides updates throughout the entire negotiation process.

06Negotiation

Hillis Adjustment Agency proceeds with negotiating any supplemental amounts deemed appropriate which may have been missed or undervalued in the initial estimate received from the Insurance Company.

This may include, but is not limited to:Requesting a revised Insurance Company estimateRe-inspecting the loss propertyCompiling additional cost-support documentation
07Request to Release Funds from Insurance Company

Hillis Adjustment Agency requests that all outstanding payments owed from the Insurance Company be released.

08Recover Depreciation

The insurance company may initially deduct depreciation from the settlement. Recoverable depreciation can be requested after repairs are completed, subject to the policy's terms.

All invoices, estimates, and receipts for all work completed at the loss property should be sent to Hillis Adjustment Agency.

Once received, Hillis Adjustment Agency compiles and submits all invoices, estimates, and receipts to the insurance company with a request for release of any recoverable depreciation available.

Start the fight

Your insurance company has adjusters. You should too.