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When you are stuck with the thoughts, threats, and stress of sudden damage from storms, fire, water or mold in Central Kentucky, you need an expert who can handle multiple trades and knows how to navigate the insurance claims process.

Being the most complete Insurance Claims Contraction Specialist in the area, there are no aspects of the Restoration Jacobs Ladder hasn’t resolved for a wide variety of property owners.


Jacobs Ladder is an Insurance Claim and Large Loss project specialist and not a Standard Contractor who claims to be a “Restoration” company.

If you need to file an insurance claim for repairs, choose a contractor that has the background in handling insurance claim contracting.  Homeowners should do their homework before hiring contractors, but a sudden loss or need for immediate help  is not the easiest time to research for contractors who know how to work with insurance claim contracting.  Jacobs Ladder can get the job done and work with your insurance company.

The sequence of events required for restoring a property is unlike the typical day-to-day remodeling or renovation effort in many ways.

A good day-to-day Standard Contractor may have the construction skills to do the work, but the pricing matrix, paper trail and filing requirements – which are just as much a part of the restoration process as the work itself – can be very problematic and obtuse if you have not been down that road before.

Jacobs Ladder has encountered situations where a Standard Contractor completed some repair work, but other aspects of the process were not handled.  All parties including the property owner, the insurance company and the mortgage holder need to understand the entire restoration progression.  This includes clear knowledge of what is and is not covered by the owner’s insurance policy, the restoration job detail and the payment process.  Jacobs Ladder can communicate and manage the entire restoration progression leading to a successful restoration for all involved.

Most property owners only encounter this situation once, maybe twice in a lifetime. Don’t worry! We do this all the time!

When disaster hits your residential or commercial property, overwhelming worry and concern are inevitable. There’s no need to take this on all by yourself and let the worry consume you! You’re not alone, as our team of experts is available to help. Our end goal is to find everything that qualifies as damage under your policy and to get that damage approved and replaced.

Jacobs Ladder has a Licensed Insurance Adjuster and an Architect on staff which gives our clients a significant advantage for both understanding the details of the coverage and negotiating the details with your insurance company.  The result is a higher approval rate with insurance and clarification of work needed to restore a property from all types of damages.

On the front end of every project, Jacobs Ladder uses our experience to craft a straight forward and easy to understand process for your restoration needs that will ease your mind and answer your questions.

JACOBS LADDER Damage Inspection & Insurance Claims Assistance Process:

  • 1
    We begin by thoroughly and professionally inspecting every aspect of damages to your property, documenting every detail including the roof, soft metals, structure, finishes, content, personal property and more.
  • 2
    Next, we develop a plan to seamlessly rebuild your property to meet its pre-loss condition. If you haven’t been through this before, take a deep breath, we do this all the time.
  • 3
    Upon completing our inspection; we take you by the hand through insurance claim filing requirements helping to streamline all the next steps and guiding you to a faster and less stressful recovery process.
  • 4
    We then coordinate all trades required to restore the property using only the best materials and craftsmanship.
  • 5
    After the work is completed, we file the necessary warranty information* and certificates of completion required to ensure that you have everything in place for future reference and to process final payment from your Insurance Company.

*(All Warranties are transferable if you ever sell or transfer ownership of the property)

THAT'S IT!! Property owners facing all types of damage have turned to Jacobs Ladder for help in Central Kentucky for years now. We have a 100 % satisfaction rating! And we guarantee it!

Kentucky Insurance Claims Contracting Key Terms:

  • Insurance Adjuster – the person assigned to your loss that will review the damage, provide an estimate for the repairs, and have final approval on the repairs.
  • Adjuster Inspection Appointment – On-Site evaluation of the loss to determine quantities and cost.
  • Restoration Agreement – Contractual binder for Jacobs Ladder to coordinate the repairs.
  • Scope Letter – A multi-line/multi-page breakdown of the quantities and cost associated with repairs. Often this looks like a foreign language. Relax!  We will help you make sense of it.
  • Replacement Cost Value (RCV) – This is the fair market value it will take to Repair and/or Replace your damaged property.
  • Depreciation – This is determined by the age of the damaged item and is subtracted from the RCV (ex. if your roof has a 40 yr shingle on it, and it is 20 yrs old when the damage occurs, then the insurance company will subtract 50% of the Replacement cost). This depreciation is held back until you actually do the repairs.
  • Deductible – The amount set forth by your insurance company as your only out of pocket expense for the repairs (Typically $500.00 to $1,000.00 in most cases).
  • Actual Cash Value (ACV) – This is the up-front check you will receive from the insurance company to begin the work. This check can be made 3 different ways:  (a) to the Property Owner  (b) to the Property Owner & Mortgage Company  (c) to the Property Owner & Contractor of Record.
  • Mortgage Inspection – Required for claims that are over a certain dollar amount.  Amount varies based on the Insurance provider and the Mortgage carrier of record.
  • Certification of Completion – Stating that all repairs have been made and final payments are due.
  • Restoration – The act of restoring property to its “Like Kind and Quality” condition.
  • Mitigation – The act of limiting damage – is often used in water damage claims for the water extraction, and the dry-out process.
  • Remediation – The act of reversing damage- this term is often used in fire, smoke and mold damage claims.
  • Supplement – Any valid cost associated with the repairs that have been missed or over looked on the front end. Though supplements are rare, from time to time it is necessary to bill the insurance for sight unseen expenses and material variances. In no instance will the Insurance Company pay for Rotten Wood as it is not the result of sudden loss, but likely a deferred maintenance issue.
  • Dwelling – The primary area of living activity
  • Other Structures – Detached Garages, Barns, Out Buildings, Fences, etc.
  • Content & Personal Property– Anything insides or outside of your dwelling; clothes, furniture, jewelry, lawnmowers TV.s etc.


As a company we strive to be on the front lines after sudden property damage, helping you navigate the sequence of events which follow that can at times be very overwhelming. In every instance and on all of our projects we honor your privacy, your belongings, your pets, in essence, everything that matters to you.  We place YOUR interests above OUR own.

Kentucky Insurance Claims Contracting Q&A'S

NO. The insurance company – mostly your Insurance Agent – requests this as a stall tactic and to see who will possibly do the repairs on the cheap. If you even think you have legitimate damage your insurance company will send a Licensed Insurance Adjuster to your property to assess it. The Adjuster could care less what your contractor thinks it would cost, because if you do have damage, he/she will rely on estimating software (which is updated every month) to sort out the cost per the unit of measure of the item damaged. The Insurance Company’s price is what matters, unless they are a rookie. At Jacobs Ladder, we are not rookies, we use the same software as your insurance company and we have a Licensed Adjuster on staff to cross check it.

Depends. In our industry, rates are determined by what insurers will reimburse for your loss.  We don’t determine the price. At Jacobs Ladder, we are certified in estimating software used by all insurance companies. We use the same software insurers use which means the price is always fair, accurate and straight forward!  In short – The insurance company sets the price – not us – and we work with your insurance company to make sure it is fair.

Yes. If we deviate from the sated loss and/or ignore parts of the rebuild expectation of the insurance company, we are committing insurance fraud. Simply stated, you should pay your deductible.  If you have other expectations or hear promises from other “Restoration Contractors” beware.  At Jacobs Ladder, we do not “eat” deductibles, it is illegal.  That being said, we do offer deferred payment plans and financing is available.

Maybe. Insurance companies cannot single out a homeowner for a rate increase based on an “Act of God” storm or flood damage claims. However, your insurance company can raise rates for everyone in your area. So, if you don’t file a claim, and you are in a Catastrophe zone, your premium will increase as will everyone else’s. For isolated claims not impacting others in the community or, if you have filed several claims in the past, or you have years’ worth of differed maintenance, not only could your premium could go up, your policy could be canceled all together.

Varies. The time you have to file an insurance claim varies by insurance company; most insurance policies limit filing a claim to 12-24 months from the date of loss. Contact your insurance agent to verify the time limits on filing a claim. Or better yet, call Jacobs Ladder and let us do a policy review with you, we have a licensed insurance adjuster on staff that can show you all the ins and outs of your homeowner insurance policy.

Yes. You can request a “re-inspect” from 2 separate insurance adjusters if you feel you have been treated unfairly. To limit this kind of uncertainty, request a contractor be present during the inspections. Experienced restoration contractors can often find aspects of the damage that may have been overlooked. So rule of thumb here, pick a reputable restoration contractor like Jacobs Ladders’ team of experts and let them help assess the damage and see if you really need to file a claim in the first place.

Jacobs Ladder has superior experience and knowledge of restoring property damage and the insurance claims contracting process. Let us ease your mind and give you a professional and honest assessment.
If you’re even thinking you should file a claim, give us a call before you do so, and we’ll help you sort it out. We know the insurance claims contracting world like the back of our hand.