When a property is damaged by a storm, it kicks off a complex and time-sensitive process involving multiple parties—contractors, insurance carriers, and homeowners—all working toward the common goal of restoring the property. However, confusion often arises around who is responsible for what, and how communication should flow. At All Peril, we’re here to clarify that process.
While we don’t handle claims or interpret policy language, our role is to support every part of the restoration process by providing clear documentation, coordination, and back-end project tracking. We act as a bridge between contractors and carriers, helping ensure the work proceeds efficiently, and homeowners remain informed throughout the journey.
Let’s break down the roles and how All Peril fits in:
Contractors are responsible for performing the actual repair work. But in today’s insurance restoration environment, contractors also deal with a heavy administrative burden: capturing damage documentation, preparing estimates, managing communications with the carrier, and keeping the homeowner updated. That’s where All Peril steps in. We support contractors by preparing supplemental documentation, organizing estimates, gathering building code citations, and streamlining project tracking. Our support allows contractors to stay in the field and focus on production instead of paperwork.
Carriers are tasked with reviewing damage reports, validating coverage, and ensuring the repair process aligns with the terms of the policy. While All Peril never speaks on behalf of a homeowner or interprets coverage, we ensure that what carriers receive is clean, complete, and supported by industry standards. Our documentation helps avoid back-and-forth, reduce file reopenings, and increase trust in the contractor’s execution. This helps carriers close claims faster while improving policyholder satisfaction.
For homeowners, storm damage can be stressful, confusing, and disruptive. They often have to deal with temporary housing, urgent repairs, and the uncertainty of how their insurance claim is progressing. While All Peril doesn’t manage claims, we help create a more structured experience by working closely with their contractor to ensure the process stays on track. We also coordinate emergency services like tarping and water mitigation and help document those actions for smoother transitions into long-term repairs.
We are the logistical engine behind the scenes—tracking job progress, organizing photos, supporting estimates, and ensuring timely updates between all parties. This keeps the repair process moving forward without miscommunication or unnecessary delays.
What we don’t do is just as important as what we do. All Peril does not:
We operate with full respect for UPPA compliance, ensuring that our role is clearly focused on project support—not claims management.
Understanding your role—and how All Peril supports it—makes the storm recovery process smoother for everyone involved. Whether you’re a contractor looking to reduce admin, a carrier needing cleaner files, or a homeowner just trying to get life back to normal, we’re here to make coordination easier and the process more transparent.
If you still have questions about your role or how All Peril fits into the restoration process, feel free to contact our support team. We’re here to help make recovery as seamless and structured as possible.
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