Insurance Claims Made Simpler

RID-ICK is a contractor - not a public adjusting firm.

If your situation requires it, we can refer you to a licensed third-party Public Adjuster we’ve worked with before.

They operate independently and handle the claim process directly with your insurance company.

RID-ICK does not act as a Public Adjuster and does not negotiate insurance claims. All Public Adjusting services are performed by a licensed third party.

Insurance isn’t open-ended.

Most policies expect damage handled within 90 days — and even that’s pushing it.

Wait = Denial

Let it sit and it gets labeled neglect.

That means no coverage — you pay.

Small Damage Becomes Big Money

What could’ve been covered turns into:

mold, interior damage, structural issues.

Now you’re not fixing a roof -

you’re fixing the whole house.

Timing Decides Who Pays

Handle it early → insurance pays *if its legitimate / covered damage*

Wait → you pay

All projects — insurance or retail (financed projects require no deposit) — are based on a written, agreed-upon scope and follow a 50/50 payment structure:

👉 50% upfront

👉 50% upon completion

Insurance Projects

Insurance typically covers most of the cost, but not all.

You are responsible for:

• Your deductible (required)
• Any remaining balance not covered by insurance

How Payment Works

1. Initial Payment (ACV Check)
   The first insurance check is issued.
   👉 This check is applied toward your 50% upfront payment, along with your deductible.
2. Final Payment (RCV Check)
   After completion, the final check is released.
   👉 This check is applied toward the remaining 50% balance, along with any remaining amount due.

Important

All insurance proceeds related to the approved scope — including initial payments, final payments, and supplements — are to be paid to us as part of the project total.

What This Means for You

Clear scope.

Defined payments.

No shortcuts.