How can Caromark help if I have a claim, or think I may have one?

We can help you navigate the insurance process. Because we are licensed adjusters, we can help you competently handle your claim and get your home restored quickly and with master craftsmanship. Caromark is experienced in restoration projects for homeowners and we are licensed insurance adjusters. We know the insurance process and can guide you through it with proper expectations.

Can I choose my restoration contractor?

Yes, you have the right to choose the contractor to perform insurance claim work. This is an important fact because some insurance companies have “preferred contractors” that rely on their referrals at pre-determined pricing. This relationship between insurance companies and restoration contractors can result in a conflict of interest. Caromark works solely for the homeowner.

Can you bill my insurance directly?

Yes, we can bill your insurance company directly for damage covered by your policy.

I do not understand my insurance estimate. Please explain the payment process.

If you have replacement cost coverage on your property then the amount of depreciation noted on the estimate includes an amount that is recoverable should your costs for repairs exceed the Actual Cash Value amount paid. Therefore when you send your insurance company proof that the damaged property has been repaired or replaced and you have incurred the full Replacement Cost amount allowed, they will send you a check for the Amount of Depreciation noted in the estimate.

They may require you to send invoices, cancelled checks and/or other documents as proof within 180 days of the prepared estimate. The claim will be considered final and closed after that date. However, if further damage is found after the claim is closed, it can be reopened and a supplemental claim submitted. Since this damage would be considered part of the original loss, there would not be another deductible applied.

Please note

If you pay more than the amount listed as Full Cost of Repair/Replacement, you may be responsible for paying the difference. If you pay less, you will receive only the amount it actually cost to repair or replace the property, less your deductible. Any unused money cannot be applied to another item.

The two numbers on your estimate

What Actual Cash Value and Replacement Cost mean on a replacement cost policy, and what each one depends on.
On the estimate	What it is	What releases it
Actual Cash Value	The repair cost less the depreciation your insurer has applied. This is the first payment.	Issued on the approved estimate.
Amount of Depreciation	The recoverable balance held back from the Replacement Cost total.	Proof that the work was completed and the full Replacement Cost amount was incurred — typically invoices and cancelled cheques, within 180 days.
Supplemental claim	Further damage found after the claim is closed.	Reopening the original loss. No second deductible applies, because it is part of the same loss.

What assurance do I have that the work will be performed properly?

We guarantee expert work. As unlimited licensed general contractors, we are skilled in commercial and residential construction. We can build a structure from the ground up, make needed repairs and updates, even construct an addition that will increase resale value and add to your quality of life.

We cover your most important investment

From general construction and roof replacement to roof repair, Caromark pledges the best quality roofing materials at the best price. If there is storm damage, we can assess your insurance coverage and offer recommendations for the best solution. We also provide the full range of designer and luxury shingles from CertainTeed.

We provide peace of mind

We are highly rated by the Better Business Bureau and carry the distinction of CertainTeed Master Shingle Applicators. We can replace or repair your roof expertly and quickly because we are local, with our owners involved in every project.

We get your life moving again

As licensed insurance adjusters, we can take the worry out of hail damage, water damage — even a tree falling through your living room. Through our many years in the area, we have learned to successfully navigate the claims process and get repairs started in record time. We are trusted by many of our clients to get the job done even while they travel for business or are on vacation. No job is too big or too small for Caromark.

Talk to Caromark

Free estimates

Bob holds the license for Caromark and is also a licensed insurance adjuster. Call and you get the owner, not a call centre.

704-361-4663

Open M–F: 8AM–5PM

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Our accreditations

Better Business Bureau Accredited Business

In their words

What clients say about this work

4.4 stars from 26 Google reviews.
Five-star reviews below are quoted verbatim, pulled 2026-09-11.

“Caromark was an absolute lifesaver for me. After my home was hit by a car, I found myself in a new town without any local contacts or guidance. … Dara and Bob took over everything from there. They handled all communication with the insurance company and clearly knew the process.”

Neeraja Meghadri Google review · 5 months ago
“Caromark was great to work with when our house was damaged by a car running into our garage. I called Caromark in a complete frantic and both Bobby and Dara were great. They had someone at my house within hours to make sure our house was safe and secure.”

Patti Bowman Google review · 5 years ago
“Highly recommend Caromark for restoration projects. … They worked seamlessly with my insurance company to ensure all work was pre-approved and there would be no difference in quoted and final charges.”

Regan Sermersheim Google review · 7 years ago

Excerpts, quoted exactly; an ellipsis marks anything left out. Read them in full on Google.

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Insurance Claims