Insurance Claim Process

Filing an insurance claim can be stressful and confusing, but it doesn't have to be. Atex Builders will assist you in any way we can during the insurance process, ensuring that you get the best coverage for your loss. We have tons of experience with insurance restoration and work with all insurance companies.

Step 1: Atex Inspection

Schedule a free inspection with Atex Builders. Our staff will provide a recommendation for repairs.

Step 2: File A Claim

File a claim with your homeowner's insurance company. They will send an adjuster out to assess your property damage.

Step 3: Adjuster Meeting

Your Atex Builders representative will meet with the insurance adjuster to make sure all necessary repairs are included in your insurance claim.

Step 4: Documentation

We will assist you with all insurance paperwork to ensure the process is properly documented.

Step 5: Construction

Atex Builders will manage the construction process from start to finish. We work quickly and efficiently to minimize the disruption of your daily activities.

Step 6: Final Inspection

We will complete your property repairs and schedule a final inspection with the city if necessary.

Understanding Insurance Terms

When reading insurance estimates, there are a few terms you should understand in order to know how much you will receive for your claim. The homeowner is responsible for paying the deductible, while the insurance company provides coverage for the remainder of the necessary repairs.


RCV stands for Replacement Cost Value. This is the dollar amount it would cost to replace 100% of your damaged property.


Depreciation is a decrease in value over time due to factors such as age, use, and type of product.


ACV stands for Actual Cash Value. This amount is the current value of the item, calculated as RCV minus depreciation.

Most insurance estimates are written using the full RCV with depreciation factored in as a recoverable expense paid out by the insurance company once the repairs have been completed. Some insurance policies have non-recoverable depreciation and only allow disbursement of the ACV.

Why Choose Atex?

We are in the business of helping people, and we will do our best to make sure you are truly happy with our work. We hold ourselves to the highest industry standards and remain up-to-date on all of our licensing and certifications as well as the latest restoration news.

EPA Lead Safe Certified Firm Logo
IICRC Certified Firm Logo
HAAG Certified Residential Inspector Logo
Owens Corning Preferred Contractor Logo

Licensed and Insured

We are a licensed builder in the state of Michigan. Our license number is 2102207084 and can be verified on the LARA website. Licensed contractors are required to take continuing education classes to maintain knowledge of best practices. We carry liability insurance to protect you and your home from potential damages during construction, and we ensure that our work meets state and local code requirements.

Lead-safe Certified

Atex Builders is an EPA lead-safe certified firm. Structures built prior to 1978 are likely to have lead-based paint. Renovations and repairs may disturb this paint, causing lead dust or chips that are harmful to humans and animals. Lead-safe certified contractors know how to minimize the risks associated with lead-based paint, ensuring safety for your family, children, and pets. Not only do lead-safe contractors know how to manage risks during construction, they also are qualified to properly clean up once the job is complete.

IICRC Certified

IICRC stands for Institute of Inspection, Cleaning and Restoration Certification. Companies with this certification have received professional training on the most recent techniques, machinery, and products related to cleaning and restoration. This training gives us specified knowledge of restoration issues so we can produce high-quality work efficiently. Our certification allows Atex Builders to provide comprehensive restoration services that will leave your property in pristine condition.

Haag Certified Roofing Inspector

Atex Builders is Haag certified roofing inspector for both residential and commercial roofs. The HCRI certification validates a contractor's ability to inspect and assess damage accurately. Haag certified inspectors are credible, knowledgeable, and thorough. You can be sure we will perform a complete inspection and produce accurate results.

Owens Corning Preferred Contractor

We are proud to be an Owens Corning preferred contractor. Owens Corning is the most recognized brand in the roofing industry. As a preferred contractor, we meet high standards of professionalism, quality workmanship, and customer service. In addition, Owens Corning preferred contractors must be fully licensed, insured, and have a high rating with the Better Business Bureau. When you choose Atex Builders, you can be confident that you are choosing an industry expert.