The Experts on Your Side in Insurance Recovery.

What to Expect With TrueHaven Claims

At TrueHaven, we know the claims process can feel overwhelming. Our role is to guide you every step of the way, so you always know what’s happening with your claim and what comes next.

Your insurance claim doesn’t have to feel overwhelming.
This journey shows how we move from start to finish — together.

🖊️ PHASE 1: Intake & Proof Qualification

We review your policy, explain your coverage, and talk through what happened. If we believe we can help, we’ll sign a Public Adjuster agreement so we can speak to the insurance company on your behalf.

What this means for you:

You don’t have to guess what’s covered.
You don’t have to keep calling the insurance company yourself.
You now have a licensed professional representing you.

Common question:

Do I still talk to my insurance company? Once you authorize us, it’s best to let us handle all communication. This avoids confusion and protects your claim.
Why does this matter? Having a single voice ensures everything is documented and helps us move your claim forward faster.

📸 PHASE 2: Inspection & Proof Documentation

We inspect the property, take photos and measurements, and gather everything we’ll need to prove the loss — including things you may not realize are related.

What this means for you:

We document the full scope of the damage, not just what’s visible on the surface.
All photos, notes, and measurements are organized and stored securely.

Common question:

Do I have to be home? Sometimes yes, sometimes no. If access is needed, we’ll coordinate with you. Otherwise we handle it.
What happens with the photos? Everything is stored securely and used to build your claim file.

📄 PHASE 3: Estimating & Proof Package Assembly

We build a detailed estimate and package your claim file. This includes line-by-line repair costs, code requirements, and any needed supporting reports.

Why this matters:

Insurance companies respond to documentation.
A strong file up front helps reduce delays and pushback later.
You get a clear picture of what it will actually take to make you whole.

Common question:

Does this slow things down? No. Careful prep up front almost always speeds things up later.

✉️ PHASE 4: Submission & Negotiation

We submit all required documentation to your insurance company and manage the back-and-forth. We follow up, request status updates, and address questions so you don’t have to.

What this means for you:

You’re not chasing adjusters.
You’re not stuck replying to technical emails.
We push for timely responses and fair coverage of the full scope of damage.

Common question:

Do I need to send anything to my insurer? No. TrueHaven handles all submissions and follow-ups.
How will I know what’s going on? We’ll keep you updated at every major milestone — and you can always reach out if you’d like an update in between.

💵 PHASE 5: Settlement & Homeowner Activation

When the claim is approved, the insurance company issues payment. We help make sure funds are released quickly and routed properly.

We use a secure digital system called iink to coordinate signatures (including mortgage companies, if they’re listed on the check). That usually cuts weeks of waiting down to days.

You stay in control of your money — the goal is simply to move things forward so repairs can begin.

Common questions:

Why is my mortgage company on the check? If you have a mortgage, your lender is usually listed as a payee. That’s normal. We help get that check endorsed so the funds can be used for repairs instead of sitting in limbo.
How will I know when funds are ready? We track it in real time and keep you updated, so you know exactly when your contractor can be paid.
Why does this matter? Faster endorsements mean faster repairs and less stress for you.

⚠️ PHASE 6: Claim Escalated

If the insurance company underpays, delays, or denies part of the claim, we escalate.

That can include supplements, re-inspections, appraisal, or other formal dispute channels the policy allows. If outside experts (engineers, estimators, etc.) are needed, we’ll walk you through why and get your approval first.

What this means for you:

You’re not left to argue coverage alone.
You have someone who knows the process and the policy language.

Important:

If a claim ever needs to move into legal action, we’ll connect you with the right professional and coordinate a smooth handoff with all documentation we’ve built so far. You are never just “on your own.”

📁 PHASE 7: Final Documentation

We help close the loop: final paperwork, file notes, communication history, settlement details, carrier correspondence.

Why this matters:

You have a clean record of what happened and what was paid.
You have documentation if anything needs to be revisited later (for example: a related issue shows up after repair).

Homeowners like this phase because it gives them a paper trail — in plain English.

🟢 PHASE 8: Claim Closed

Work doesn’t always end at the first payment. We make sure you understand what was paid, what work it covers, and what comes next.

What this means for you:

You’re not left guessing.
You know where to go if a contractor has questions.
You understand any remaining items (like recoverable depreciation or timelines).

Common question:

Are we done after this? For most homeowners, yes. But if something new pops up that’s connected to this loss, you call us first — not the insurer. We’ll tell you if it’s something that needs to be reopened or if it’s a new claim.

At TrueHaven, we handle the stress so you don’t have to. If you ever feel uncertain or have questions, we’re only a phone call away. You’ll always know where things stand with your claim.

Frequently Asked Questions

Do I pay anything upfront?

No. You’ll never pay us out of pocket. Our fee only comes from new money we help recover after you hire us.

More you might wonder:

• Do I need to give you a deposit? No — nothing upfront is required.

• What if my claim is denied? Then no new money is recovered and you owe us nothing.

How much is the fee, and when does it apply?

Our fee is a percentage of the new money recovered after you sign. Each time your insurance company issues a check, our percentage applies only to that recovery.

More you might wonder:

• If no money comes in, do I still owe you? No — no recovery means no fee.

• Is the fee ever capped? Yes. In Florida, if the claim is tied to a Governor-declared state of emergency and you hire us within one year, the fee cannot exceed 10%.

• Why a percentage instead of an hourly rate? This ties our compensation directly to the results we achieve for you.

When do you get paid?

At the same time your insurer issues payment. Our fee comes directly from each check — you never cut us a separate payment.

To speed things up, TrueHaven uses iink, a secure platform that lets mortgage companies sign off electronically instead of mailing checks back and forth. This usually cuts weeks of waiting down to just days.

More you might wonder:

• Why is my mortgage company on the check? If you have a mortgage, your lender is added as a payee and must endorse the check — iink just makes it faster.

• Does TrueHaven or iink hold my money? No. You remain in control of the funds; iink only facilitates signatures and transfers.

• Will this delay paying my contractor? No — it speeds it up by moving approvals online.

Why is TrueHaven listed on my insurance checks?

Your contract authorizes the insurance company to include “TrueHaven Claims Consulting, Inc.” as a co-payee on settlement checks. This is standard practice in public adjusting. It simply ensures our agreed-upon percentage can be paid smoothly and also helps us coordinate with your mortgage company if their endorsement is required.

More you might wonder:

• Does this mean TrueHaven controls my money? No. You remain the owner of the funds. Being listed as a co-payee just guarantees our percentage is handled correctly — it doesn’t give us control over how you use your settlement.

• Will this delay my repairs? No. With iink electronic processing, having our name on the check actually helps speed up the endorsement and payment process so your contractor can be paid faster.

• Why not just bill me separately? Handling fees directly from settlement checks protects you from surprise invoices or payment disputes. It keeps the process clean, simple, and fully tied to the results we achieve for you.

Are there any other costs besides the percentage fee?

Only if special experts are needed (like engineers). These are never charged without your written approval.

More you might wonder:

• Who decides if an extra expense is needed? We’ll explain why it helps your claim before you authorize it.

• What if no new money comes in? Then you don’t owe for those expenses either.

• Do you mark up outside costs? No. They’re billed at cost, only with your approval.

If there’s no recovery, do I still owe anything?

No. If no new money is recovered after you hire us, you owe nothing.

More you might wonder:

• What about expenses you advanced? Those only apply if new funds are recovered. If there’s no recovery, you don’t reimburse us.

Can I cancel after signing?

Yes. Every state gives you a cancellation period where you can back out with no penalty.

More you might wonder:

• How do I cancel? Just send us written notice within your state’s timeframe.

• Why is there a cancellation window? State law gives you a short period to change your mind if you feel pressured or unsure. After that, we take the lead and keep your claim moving forward.

What happens if I cancel later, after that window?

You can still terminate the contract, but you may owe for authorized expenses and for the reasonable value of the work we’ve already done.

More you might wonder:

• Could that be the full fee? Yes, depending on how far along we are and whether our work led to your insurer paying you.

• Will you keep working if I’m unhappy? We’ll always try to resolve concerns first, but you do retain the right to terminate.

Do I owe a fee if the insurer immediately pays my policy limit?

No. If your insurer pays, or puts in writing that they will pay, the full policy limit within 72 hours of the loss being reported, we do not charge our percentage fee.

More you might wonder:

• Do you charge anything at all in that case? Only reasonable compensation for the actual time spent and any approved expenses (like inspections) before the insurer issued payment.

• Why don’t you take the full fee? Because in that situation, the insurance company paid the maximum benefit right away — there was no negotiation or adjustment required. By law, we can’t and won’t charge a percentage when our services didn’t directly increase your recovery.

Do all policyholders have to sign?

Yes. All named insureds on the policy must sign.

More you might wonder:

• What if one person is unavailable? The available insureds can sign and notarize an affidavit confirming they have authority to act for everyone.

• Why so strict? This protects all policyholders by ensuring no one’s rights are affected without consent.

Will you talk to my insurer for me?

Yes. Once you authorize us, we take over communication with your insurance company. This keeps everything streamlined and ensures your claim is presented accurately and consistently.

More you might wonder:

• Does that mean I can’t talk to them? You technically can, but it’s best to let us handle all communication. When multiple voices go to the insurer, it can cause confusion, delays, or even harm your claim. To protect you, direct all insurer contact to TrueHaven.

• Why is this helpful? Centralized communication shields you from pressure tactics, avoids mistakes, and ensures every step is documented and strategic.

• What if the insurer calls me anyway? Just let them know you have a Public Adjuster and refer them to TrueHaven.

Do you handle appraisals, mediation, or lawsuits?

We handle the adjustment of your claim from start to finish. If legal steps like appraisal, mediation, or litigation become necessary, we’ll coordinate next steps and bring in the right professionals — so you never have to navigate it alone.

More you might wonder:

• Will I need to find my own attorney? No — if legal action is needed, we’ll recommend trusted professionals who specialize in this work.

• Do I lose the work TrueHaven already did? No. Everything we’ve documented, from photos to estimates to carrier correspondence, is turned over to your attorney so your case starts strong.

• Do most claims go that far? Not usually. The vast majority of claims are resolved during adjustment or appraisal without ever reaching litigation.

• Why not handle it myself? These processes are highly technical. Keeping TrueHaven at the center ensures you’re protected and your claim stays consistent.

What are my responsibilities as a client?

Your main role is to stay in touch with us and provide accurate information. We handle the carrier communication, paperwork, and negotiations.

More you might wonder:

• Do I need to attend meetings or inspections? Rarely. If your presence is required, we’ll let you know, but we usually handle these directly.

• Why keep us in the loop? Because we can only protect you fully if we’re the single point of contact with your carrier.

Who chooses the contractor for repairs?

You do. You are free to hire any contractor you trust. TrueHaven is not affiliated with any contractor.

More you might wonder:

• Does TrueHaven recommend contractors? We may provide referrals, but you always choose.

• Do I need to update the insurer myself once I choose a contractor? No. Tell us, and we’ll update the carrier if needed. That way, everything stays documented and coordinated through us.