Storm damage? You only ever pay your deductible.
Aztec Contractors manages your entire insurance claim — from the first inspection to meeting the adjuster to the final lien waiver. Our Subject-To Agreement puts it in writing: no settlement, no obligation.
Our Insurance Restoration Process
Five phases. Thirteen steps. One out-of-pocket expense — your deductible. Tap each phase for the full detail.
1Free Inspection & Filing Your ClaimSteps 1–2
- Full-property inspection. An Aztec Contractors Claims Specialist conducts an inspection of your home to determine the extent of damage to your roof, siding, gutters, windows, personal property, and the interior of your home.
- You call your insurance company to initiate the claim. (Insurance companies do not allow us to do this for you — but we'll guide you through the call.)
2Your Written Protection — the Subject-To AgreementSteps 3–4
- You sign the Subject-To Agreement, authorizing our Claims Specialist to meet with the Insurance Adjuster and directing Aztec Contractors of Houston to complete the necessary repairs. It protects you by stating in writing that there is no additional cost to you except the deductible — and that if no settlement is reached with the Insurance Adjuster, you have no obligation to our company.
- We take over the claim. Once the agreement and your claim number are in place, our Claims Specialist contacts the Insurance Adjuster assigned to the claim and, on your behalf, begins the restoration process.
3We Meet the Adjuster — and Fight for YouStep 5
- Our Claims Specialist meets the Adjuster and points out all the damage. If the adjuster agrees with our assessment, we notify you immediately. If they disagree or refuse to pay for everything we feel you are entitled to, we notify you immediately and request that a different Adjuster re-inspect your home. If they still refuse to pay what we honestly feel you are entitled to, we can have an arbitrator inspect your home.
4Approval, Materials & Build DaySteps 6–10
- Approval comes in. The Insurance Adjuster tells your insurance company to write you a check for at least half the total project cost. While you wait for your check, you pick out building materials and colors with our Claims Specialist, who also collects the insurance deductible — your only out-of-pocket expense.
- Materials are ordered to replace all the damaged areas.
- Delivery inspection. When materials are delivered, our Project Manager does a thorough inspection to make sure all materials are the right colors and everything is correct.
- Work is scheduled. Once the material-drop check is picked up, our Production Manager schedules the work and assigns the crews.
- Build day. Our Project Manager is at your house to meet the crews and get started. Please make sure all vehicles are removed from the driveway.
5Walkthrough, Final Payment & Lien WaiversSteps 11–13
- Final walkthrough. You and our Claims Specialist walk the project together to confirm everything has been completed to your satisfaction.
- Final payment. We invoice your insurance company for the remainder owed. When you receive the final payment, our Claims Specialist picks up the check and does a final inspection to make sure you are completely satisfied.
- Waivers of Lien are issued to you and your mortgage company — your paper trail is complete.
Think you have storm damage?
The inspection is free, and the Subject-To Agreement means there's zero risk to find out.
Common Questions
What does this cost me?
Your insurance deductible — nothing else. That's stated in writing in the Subject-To Agreement before any work begins.
What if my insurance company refuses to pay?
If no settlement is reached with your insurer, the agreement states you have no obligation to Aztec Contractors at all.
What is a Subject-To Agreement?
A homeowner-protection agreement: it authorizes our Claims Specialist to deal with your Insurance Adjuster, and commits in writing that your only cost is your deductible.
Do I have to negotiate with the adjuster myself?
No. Your Aztec Claims Specialist meets the adjuster at your home, points out all the damage, and handles the negotiation — including requesting a re-inspection or arbitration if needed.