Repair documentation help
Insurance involved? Start here.
Insurance can be confusing. We can help you document the repair need, organize information you may need, and understand the ordinary repair process. Your insurance company determines coverage and claim payment.
How Wilke can help
Not sure what comes next? We can help you document the repair need, organize the information you may need, and understand the ordinary repair process.
- Inspect and observe the repair need when it is within Wilke's service scope
- Photograph and document visible condition
- Take measurements that belong with a repair quote
- Write a repair scope and a repair estimate or quote
- Schedule repair work we have quoted
- Provide invoices and receipts for work performed
- Provide completion documentation and before/after operational evidence when that is legitimately produced by the job
- Communicate ordinary repair and scope information to you, and — when you request it — to your insurer or adjuster
What Wilke does not do
Your insurance company determines coverage and claim payment. Wilke is a repair and service company — not a public adjuster, attorney, or claims negotiator.
- Determine whether a loss is covered
- Interpret your policy as coverage advice
- Promise payment from an insurer, or that a claim will be approved
- Decide the value of a claim or negotiate a settlement for you
- Appraise an insurance loss as a public adjuster
- Represent you in a coverage dispute, or act as your attorney
- File a claim with your insurer
Start here
Where are you in the process?
Pick the closest stage. Each one shows a few useful next steps — not legal advice and not a coverage answer.
Choose the closest match. You’ll see a few useful next steps — not a full insurance manual.
Typical sequence
A typical claim-and-repair sequence
This is a high-level picture of how many property claims move. The actual process varies by carrier, policy, and state. Not every claim follows this sequence.
- 1Damage occurs
- 2Document the condition
- 3Contact your insurer or agent if you are filing
- 4A claim number is issued; an adjuster may be assigned
- 5Inspection or document requests
- 6Repair estimate and scope of work
- 7The insurer makes coverage and payment decisions
- 8Repairs are scheduled
- 9Invoices and completion documents are kept
Plain language
Words you may hear
Short explanations. If the meaning depends on your policy, your policy controls.
These are ordinary words people hear during a property claim. They are general. If a term depends on your policy, the policy controls.
Deductible
The amount you generally pay out of pocket on a covered claim before the insurer pays. The amount is set by your policy.
Your policy controls this term.
Claim
A request you make to your insurance company after a loss. Filing a claim is your choice and is handled by you and the insurer — not by Wilke. Your policy controls what a claim can cover.
Your policy controls this term.
Adjuster
A person the insurer (or, in some cases, you) uses to look at the damage and gather facts for the claim. A company adjuster works for the insurer. Wilke is not your adjuster.
Estimate
A written description of proposed repair work and cost. A contractor estimate describes the repair. An insurer may prepare its own estimate. They are not always the same.
Scope of work
The list of repairs, materials, and areas a contractor proposes to handle. It is a repair plan, not a coverage ruling.
Depreciation
A reduction some policies apply because an item is older or worn. Whether and how it applies is controlled by your policy. We cannot calculate it for your claim.
Your policy controls this term.
Replacement cost
A policy valuation method that, when it applies, is based on replacing property with something similar today. Your policy controls whether this applies.
Your policy controls this term.
Actual cash value
A policy valuation method that, when it applies, starts from replacement cost and subtracts depreciation. Your policy controls whether this applies.
Your policy controls this term.
Documents
Checklists you can keep on your phone
Client-side only. Check boxes for yourself, print if you want, and leave. We do not store this list.
Check items off for yourself. Nothing here is saved, uploaded, or sent to Wilke. Do not enter policy numbers, passwords, or payment details on this page — this list only tracks whether you have the ordinary repair paperwork nearby.
Before an adjuster visit
0/7
Claim document checklist
0/10
Official help
Consumer resources
For coverage questions, complaints, or disputes, use your insurer first, then your state insurance department. These are official public resources — not Wilke partners.
- NAIC — Navigating the claims process
Official National Association of Insurance Commissioners overview of documenting damage, reporting a claim, and working with an adjuster after a loss. General consumer education — not Wilke advice.
- Find your state insurance department
Official NAIC directory of state insurance departments. Use this for consumer assistance, complaints, and questions that are specific to your state. Insurance is regulated by the states.
- South Carolina Department of Insurance
Official regulator for South Carolina, Wilke's current home market. If your property is in another state, use the NAIC directory above instead of assuming South Carolina rules apply.
General claim education on this page is not limited to South Carolina. Consumer insurance rules are state-based. Wilke does not claim national claim-adjusting capability.
FAQ
Insurance questions we hear
Will Wilke file my insurance claim?
No. You and your insurer handle filing, coverage, and payment. We help on the repair and documentation side.
Can you tell me if I should file a claim?
No. That depends on your policy, deductible, the damage, and your insurer's rules. Contact your insurer or agent with coverage questions. We can quote the repair when it is work we perform.
Do you talk to my insurance company?
We do not represent you or negotiate a settlement. If you ask us to, we can share ordinary repair-scope information with your insurer or adjuster.
Are you a public adjuster?
No. Wilke Service Co. is not a licensed public adjuster and does not appraise insurance losses on your behalf.
Is this an emergency restoration dispatch line?
No. This website is not an emergency dispatch line and does not promise same-day restoration arrival. If people or the building are in danger, call 911 or the utility.
Need a repair quote or documentation?
Send the city, photos, and what’s damaged. We’ll quote work that’s in our scope. Coverage still belongs to your insurer.