FAQ

What is indemnity, and why did you choose “Integrity Indemnity” as your business name?

“Indemnity” is an insurance term. It means restoring you financially to your pre-loss condition after a covered claim. When you suffer property damage, your insurance policy owes to pay what is necessary to properly repair your home based on the quality of materials, scope of damage, skilled labor required, and fair pricing standards.

At Integrity Indemnity, we ensure the insurance company pays what it truly owes under the terms of your policy, nothing less.

Integrity is just as important. As Proverbs 10:9 says, “Whoever walks in integrity walks securely.” We advocate firmly and honestly. We will never misrepresent information for financial gain, and we will clearly explain when coverage does not apply.

Our name represents our commitment: standing for what is right while ensuring you receive what your policy promises.

Alexa Young, CA

What is depreciation?

In layman’s terms, this is money held by the insurance company. the

carrier, in proportion to the age of the respective materials on your property. Like a

vehicle, the older such materials are, the less value it typically has. Most policies

have recoverable depreciation, meaning if you complete the repairs, you actually

get this money back. This is called replacement cost. Not all policies have this

additional coverage, but most do. I can confirm which coverage you have when

we meet.

How long does this process take, and what do I need to do?

Depending on where you are in the claim process, this claim can be resolved as quickly as a

Matter of days, or it could take several months. Each claim is unique, though the.

The process of handling claims is the same. Once you sign up for my services, I can.

Take it from there. You and I will keep in contact, but you no longer need to contact me.

the carrier. I will work with you to get any additional information, and there.

may be a lot of going back and forth with the carrier before an agreement is

Reached. In rare cases, an attorney may be needed. All the above would be.

clearly communicated throughout the process.