CHUBB CLAIMS · VANCOUVER WA + PORTLAND OR

TIK Construction works directly with Chubb.

We handle Chubb property claims across Clark County and the Portland metro area. Chubb's policyholders typically own higher-value homes with non-standard finishes, and the restoration approach reflects that — careful documentation, exact-match materials, and white-glove process throughout.

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How TIK handles Chubb claims

Chubb policies typically have higher coverage limits and broader replacement-cost provisions than mass-market policies. The work standard is exact-match restoration, not 'like kind and quality' substitution.

Chubb's adjusters are typically experienced senior staff who handle higher-value claims with appropriate care. They expect documentation that matches that level — comprehensive photos, detailed scope, material specifications.

Chubb policyholders often have specialty coverages — art collections, fine jewelry, custom-built structures. We document with those coverages in mind and coordinate contents-restoration vendors for items that need specialized attention.

Chubb's claim process is generally smoother than mass-market carriers because adjusters have higher authority and policies have broader coverage. Friction is rare when documentation is complete.

What Chubb typically covers

Coverage varies by policy and endorsements. The patterns below are typical for standard Chubb homeowner policies; your policy may differ. We document the actual coverage during your claim.

Sudden and accidental water damage: typically covered with broader limits than mass-market policies.
Fire and smoke damage: core covered peril with replacement-cost on contents.
Mold from a covered cause: typically covered with higher limits than mass-market.
Sewage backup: typically included or available with low premium addition.
Storm damage: wind, hail, falling objects covered. Chubb often includes broader windstorm coverage.
Specialty items (art, jewelry, custom structures): often covered under valuable-articles or specialty endorsements.

Claim process

How a Chubb claim works at TIK

01

We arrive on-site within 60 minutes

Day or night. The lead tech assesses the damage, identifies the source, and starts emergency mitigation. Documentation begins immediately.
02

Damage documented to carrier standards

Photos, moisture readings, scope notes, equipment logs. Documentation is built to Chubb's requirements from day one.
03

Claim submitted within 24 hours

We submit our documentation directly to your assigned adjuster. The faster the carrier has documentation, the faster approval comes.
04

Adjuster reviews and approves

Chubb reviews the scope. Most documented claims approve without revision. We respond to any reservations or supplements with line-item evidence.
05

We perform the work

Mitigation, drying, demolition, reconstruction. One crew, one timeline. No second contractor.
06

Direct billing closes the claim

Chubb pays us directly for the approved scope. You pay only your deductible. Final documentation submitted, claim closed.

Services we handle on Chubb claims

All major restoration categories — from emergency mitigation through finished reconstruction.

Chubb FAQs

Why is Chubb different from other insurance carriers?

Chubb specializes in higher-value homes and clients with non-standard insurance needs. Coverage limits, replacement-cost provisions, and adjuster expertise reflect that focus. Restoration work for Chubb claims typically uses exact-match materials and careful documentation.

Does Chubb require specific contractors?

No — Chubb policyholders choose their contractor. Chubb has high standards for restoration quality, and we meet them: licensed in WA and OR, IICRC certified, with documentation that matches the carrier's expectations.

Will Chubb pay TIK directly?

Yes — direct billing is standard. Chubb's claim payment is generally fast once approval is confirmed.

What about specialty items in my home?

Specialty items (art, jewelry, custom millwork, antique fixtures) often need specialty restoration vendors. We coordinate the right vendor for each item and document everything for Chubb's specialty-claim review.