Your KraftMasters representative will perform a complete inspection of your home's exterior, covering every component that a storm can affect: roofing, siding, gutters, windows, soffit and fascia, and any soft metals that show hail impact. Everything we find is photographed, documented, and compiled into your KraftMasters Damage Report, a written record of every area of damage tied to specific photography. This is not a verbal estimate. It is a formal document built to serve as the foundation of your insurance claim. We present our findings to you directly and walk you through what we found before recommending any next steps. If the damage does not meet the threshold to warrant filing a claim, we tell you that plainly.

If the damage documented in your KraftMasters Damage Report is sufficient to warrant a claim, we provide you with your insurance carrier's claims department phone number and walk you through exactly what to say on that call. We record the date of loss in your Damage Report for reference, since your carrier will ask for it and it is the anchor date the entire claim is tied to. The call itself is straightforward when you know what the adjuster will ask for. We make sure you are prepared for it before you dial.

Once your claim is filed, your insurance carrier will schedule an adjuster to inspect the property. Your KraftMasters representative will be present at that meeting to walk the property alongside the adjuster and represent your best interests throughout the inspection. This matters in a specific way: adjusters work from a defined scope, and the difference between a well represented adjuster meeting and an unrepresented one is often the difference between a scope that captures all covered damage and one that misses items that belonged in the claim. Your representative does not argue or pressure. They walk every surface, point out documented damage, and make sure nothing that belongs in the scope gets overlooked.

After the adjuster inspection, your carrier will produce a proposed estimate, also called a scope of loss. Your KraftMasters representative will sit down with you and walk through every line item in that document so you understand exactly what was approved and what was not. When items that belong in the scope have been missed or underpaid, which is common in the initial estimate, we prepare and submit supplemental documentation to your carrier to get those items added. This process can involve one round of supplementing or several. We stay in it regardless of how many rounds it takes, and if the carrier and KraftMasters cannot reach an agreement on the full scope of covered damage, we explain the appraisal process to you as the next available option.

Once your claim is approved, your insurance carrier will issue a first payment based on the Actual Cash Value of the damaged items. This is the replacement cost of the work minus depreciation, and it is the check you will receive before any work is scheduled. This check is the deposit that allows materials to be ordered and your project to be placed on the schedule. If your home has a mortgage, your lender may be listed as a co-payee on insurance checks, which means the check will be made out to both you and your mortgage company. In that case you will need to contact your lender to have the check endorsed before you can deposit it, and we will walk you through that process so it does not create an unexpected delay.

Your deductible is due on installation day, when materials arrive at the property. Under Minnesota law, no contractor can legally waive, absorb, or cover your deductible, and any contractor who offers to do so is exposing you to potential insurance fraud liability. Your deductible is your contractual obligation to your carrier, and it is paid directly to KraftMasters on the day work begins. Your representative will have communicated your deductible amount to you well before installation day so there are no surprises.

Following completed installation, your KraftMasters representative will walk the finished work with you to confirm everything was done to your satisfaction before they leave the property. Once the work is complete, your carrier releases the withheld depreciation as a final payment. This is the difference between the Actual Cash Value you received initially and the full Replacement Cost Value you are entitled to under a standard RCV policy. We provide the completion documentation your carrier needs to release that payment, and we follow through on confirming it is issued. The job is not finished until both checks are in your hands.