Insurance Claims

Take clear photos and videos of the affected areas, record when the damage was discovered, protect the property from additional damage when safe, and keep receipts. Luna can document the physical repair scope and organize construction information for the claim file.

A supplement requests review of repair items, quantities or costs that were missed or insufficient in the original estimate. Strong supplements are supported by measurements, photos, trade pricing, material requirements, invoices and applicable code information.

Yes. We can meet at the property to point out visible damage, review measurements and explain the proposed construction scope. We do not decide insurance coverage or act as a public adjuster.

On some replacement-cost claims, part of the estimated amount may be withheld initially as depreciation and may become payable after qualifying repairs are completed and documented. The policy and settlement letter control whether depreciation is recoverable.

Actual Cash Value generally reflects replacement cost after depreciation. Replacement Cost Value generally reflects the estimated cost to replace damaged property with comparable materials, subject to policy terms, limits and deductible.

General contractor overhead and profit may be appropriate when a project requires coordination of multiple trades, scheduling, supervision and project management. Whether it is allowed on a specific claim depends on the repair scope, policy and carrier review.

The deductible is generally the policyholder's responsibility under the insurance policy. Estimates and invoices should reflect the actual repair cost and should not misrepresent the deductible or completed work.

Helpful records can include photographs, measurements, roof reports, moisture documentation, material specifications, code requirements, equipment information, trade invoices and before-and-after records.