Document Everything
Before cleaning up or making temporary repairs, photograph and video every area of damage — roof, walls, floors, personal property, and anything else affected. Write a detailed description of what happened: the date, time, cause, and sequence of events. If a break-in occurred, file a police report (this is highly recommended and may be required by your carrier). Critically, take immediate steps to prevent further damage — tarping a damaged roof, turning off water, or boarding windows. Insurers expect policyholders to mitigate ongoing damage, and failure to do so can affect your claim.
Contact Carolina Industrial
Call our office at 704-845-2456 or submit your claim details online. Our team will confirm that the cause of loss is covered under your policy, walk you through your deductible, and connect you directly with the appropriate carrier claims department. We serve as your advocate throughout this process — you are not navigating the carrier on your own.
Prepare for the Adjuster
The carrier will assign an insurance adjuster to inspect the damage. Have your documentation ready — photos, written description of the incident, and a list of damaged or destroyed items with approximate values. Be clear and factual in your description of events. The adjuster's assessment will form the basis of the claim settlement, so thorough preparation matters. Ask questions if anything is unclear during the inspection.
Get Repair Estimates
Obtain written quotes from licensed, reputable contractors — roofers, general contractors, plumbers, or specialists depending on the damage type. Getting multiple estimates gives you a basis for comparison and negotiating power if the adjuster's initial estimate comes in lower than actual repair costs. You are not obligated to use a contractor recommended by the insurance carrier. Keep records of all estimates and any emergency repair costs you've incurred.
Claim Payment & Repairs Begin
Once the claim is approved and any settlement negotiations are complete, you will receive payment — typically a check issued to you and any mortgage lienholder, if applicable. After your deductible is met, repairs can begin. Keep all receipts for work performed and materials purchased. For large claims, payment may be issued in stages as repairs progress. If you believe a settlement is inadequate, you have the right to dispute it — we can help you understand your options.
Did you know? Approximately 1 in 20 insured homes files a claim each year. Wind and hail damage are by far the most common causes, followed by water damage and theft. Having your policy reviewed annually ensures your coverage limits keep pace with rising construction costs.