How does billing work?
Our billing is broken up into different phases, or divisions: Mold, Water, Structure, Contents, etc. Expect to receive separate estimates and invoices based on the categories of work needed for the job. For each phase or division, a specific project manager and billing representative is assigned to oversee all aspects from start to finish.
A quote will be given at time of work as requested. Invoices will be sent to the customer once the billing department has the job details from the field.
Note: We understand damage to your home is often unexpected and financially straining, therefore we extend discounts to our direct paying clients. These discounts are not applied when you file a coverable claim.
The customer must provide the insurance company name, information and claim number. Billing is submitted directly to the insurance company. The process of review, negotiation and settlement is timely.
Note: Jarvis uses Xactimate to determine all billing. This is the same tool used by insurance companies that sets industry price standards. We do not extend discounts to the billing or payments collected through your insurance claim.
How does payment work when I have a coverable claim?
Note: Claim checks will often have Jarvis Restoration listed as an additional payee. The customer can simply endorse the back of the claim check.
If Jarvis Restoration is NOT on the check, simply endorse the back and write “make payable to Jarvis Restoration.”
Our policy is to accept the insurance settlement as final payment for insurance work. Note: Pricing is determined by Xactimate. Industry price standards are set by the insurance companies and excludes deductibles and any additional extra work ordered that would be the clients responsibility to pay.
Why are there multiple invoices?
What happens if my claim denied, or there are coverage exceptions to a policy?
When claims are denied, Jarvis exhausts all efforts to assist our customers. In the case that a claim will not be honored by an insurance company, the billing reverts to an out-of-pocket bill.
When there are exceptions in a policy (for example: no mold coverage, no testing coverage) the billing for these divisions revert to an out-of-pocket bill.
When is payment due?
How does my deductible factor into my claim?
As an insured homeowner your policy will involve a deductible per claim. This is part of the settlement; you are responsible for the deductible portion of the claim.
For example: Your deductible is $500 and your claim settlement is $5000. The claim check will be $4500. You are responsible for the $500 difference.
Why is my mortgage listed on my insurance check?
If you have a mortgage, equity loan or refinanced your home, your mortgage company will likely be listed on the settlement check, as an additional payee. This is due to Federal property laws, and it is the banks process to verify the work is completed at your home. Please contact our mortgage endorsement specialist to assist or expedite on your behalf at no additional cost: Laura Wagner: (949) 212-1178.
Who do I contact for payments or questions on my invoice?
For out-of-pocket invoices and deductibles, we accept personal checks and major credit cards over the phone. Contact our Accounts Receivable Department to arrange payment.
Checks should be mailed to: 25721 Via Solis, San Juan Capistrano, CA 92675
Laura Wagner: C. (949) 212-1178| E: email@example.com
Shelby Jarvis: C. (949) 280-0376 | E: firstname.lastname@example.org