When a storm or other covered event causes substantial damage, Four Seasons provides the evaluation, documentation, detailed estimate, and licensed construction needed for full replacements, multi-area restoration, and major renovation work.
Our carrier-neutral process works with claims involving national, regional, and specialty homeowners insurers — without requiring a particular carrier or preferred-vendor program.
Your insurer determines coverage. You choose your contractor. Four Seasons manages the contracted construction project.
We'll reach out to confirm details and schedule your project evaluation. Your insurer determines coverage.
Four Seasons is an independent home improvement contractor. We are not tied to one insurer, and we do not require you to use a specific carrier.
When a qualifying project is within our service area and construction scope, we can evaluate the property, prepare a professional construction estimate, and provide the technical documentation your insurer may request — regardless of which company issued your homeowners policy.
Our role: document construction conditions, explain the substantial restoration, replacement, or renovation scope and price we propose, and complete the contracted project.
The homeowner’s role: report and manage the claim, provide requested information, select a contractor, and fulfill the construction agreement.
Your insurer’s role: interpret the policy, adjust the claim, and make coverage and payment decisions.
Our estimating and construction process does not depend on a specific insurer or preferred-contractor network.
Measurements, photographs, line items, material requirements, and construction notes help make the proposed scope clear.
From agreed scope and permits through installation, final walkthrough, and completion documents.
Four Seasons does not operate as a small-repair shop. Our insurance-related work is designed for projects where the damage or construction scope calls for a coordinated, professionally managed build.
Isolated shingle replacement, small siding patches, minor caulking, one-off gutter corrections, cosmetic touchups, and general handyman work are not a core Four Seasons business line.
Limited service may be considered for established Four Seasons customers based on prior project history, warranty status, scope, location, and availability.
Homeowner-selected upgrades or unrelated improvements can be quoted separately when appropriate. They should not be assumed to be covered by the insurance policy.
Just dealt with a storm? If wind, hail, or a fallen tree caused the damage, our Storm Damage page has the urgent next steps — this page is about the bigger insurance-restoration picture.
Learn moreTake reasonable temporary steps to prevent additional damage when it is safe to do so, and photograph the conditions. Four Seasons can provide same-day emergency tarping and board-up to help secure your home.
Contact the insurer, open the claim, and obtain the claim number and adjuster information. You may say that Four Seasons is the contractor you prefer to evaluate the damage and perform the construction.
We evaluate accessible affected areas, take measurements and photographs, identify materials, and record construction conditions. An evaluation does not guarantee project acceptance or insurance coverage.
For a qualifying project, we prepare an itemized construction estimate that may include quantities, labor, materials, equipment, access, removal and installation tasks, photographs, notes, permits, and applicable code-related items.
With the homeowner’s permission, Four Seasons can attend a scheduled property inspection or answer technical questions about our measurements, materials, methods, code-related requirements, and proposed price.
The written agreement identifies the work, contract price, payment schedule, deductible responsibility, optional upgrades, non-covered work, and written change-order process.
We coordinate materials, permits, scheduling, installation, cleanup, the final walkthrough, invoices, and completion documents. Additional conditions are documented before extra work proceeds whenever practical.
About your contractor preference: Identifying Four Seasons tells the insurer whom you would like to use for construction. It does not change coverage, create a contract, imply insurer endorsement, or require approval of our scope or price.
Xactimate® is a leading property-claims estimating platform used by many insurance carriers, adjusters, and restoration contractors. Four Seasons uses it to prepare a structured, line-item estimate for the substantial restoration, replacement, or renovation work we propose.
Using a widely recognized estimating format can make it easier for the homeowner, contractor, and insurer to compare dimensions, quantities, tasks, and pricing line by line.
Xactimate provides a common estimating format — not a guarantee of insurance approval. Actual project conditions and policy decisions still control the final scope, price, and payment.
Important: Use of Xactimate does not require an insurance company to approve every line item, quantity, price, or proposed construction item. The insurer independently determines coverage and payment under the policy, and the Four Seasons proposal may not match the insurer’s estimate exactly.
Your deductible is your share of a covered loss.
The construction price does not become $18,500. The homeowner contributes the deductible. *Illustration only. Policy terms, depreciation, limits, prior payments, lender requirements, and coverage decisions may change the result.
A deductible is the portion of a covered loss that the homeowners policy assigns to the policyholder. It is selected or stated in the policy — not established by Four Seasons — and the insurer generally subtracts it from the amount it would otherwise pay.
Four Seasons does not waive, rebate, absorb, conceal, or otherwise offset a required deductible. The customer remains responsible for the deductible, optional upgrades, authorized change orders, non-covered work, unrecovered depreciation, and any contract balance not paid by the insurer.
Some policies use a flat deductible. Others may apply a percentage-based or separate wind, hail, hurricane, or named-storm deductible. Confirm the deductible applicable to the loss directly with the insurer or agent.
Depending on the event, property, and contracted construction scope, Four Seasons may be able to coordinate several affected parts of the home through one substantial project.
Individual components are not necessarily offered as standalone small-repair services. Availability depends on project size, location, cause of loss, trade requirements, and overall fit.
Differences are common and do not automatically mean either estimate is wrong.
Two estimates may use different:
An insurer’s estimate may address only work it has determined is covered. A contractor’s proposal may also include required construction work, homeowner-selected upgrades, or conditions the insurer has not included. Four Seasons can explain and document our proposed scope and price. The insurer decides whether any additional amount is covered, and the homeowner must authorize additional work under the construction agreement.
Tell us about the affected areas and the scale of the project. Four Seasons will determine whether the work is a fit, evaluate accessible construction conditions, and explain the proposed scope and estimate.
Active leak or exposed opening? Call us — Four Seasons provides same-day emergency tarping and board-up to help secure your home while you report the loss to your insurer.
Phone: (301) 948-2678
Email: hello@4seasonshome.com
Important insurance and project-scope notice: Four Seasons Home Improvement is a licensed home improvement contractor. We are not an insurance company, insurance producer, attorney, or public adjuster. We do not interpret insurance policies, determine coverage, prepare or file claims on behalf of policyholders, negotiate claim settlements, or guarantee claim approval or payment. We may evaluate property, document construction conditions, prepare construction estimates, and answer technical questions about the project scope and price we propose. All coverage and claim-payment decisions are made solely by the insurance company under the policy.
Four Seasons focuses on substantial restoration, replacement, and renovation projects and generally does not accept isolated small-repair or handyman assignments. Limited service for established customers is considered case by case. Any evaluation, estimate, or project is subject to service area, project size, scope, licensing, scheduling, and acceptance of a written construction agreement.
The customer remains responsible for the construction contract price, deductible, optional upgrades, change orders, non-covered work, depreciation not recovered, and any amount not paid by the insurer. Insurance proceeds may be payable jointly to the homeowner and mortgage company. Insurer or lender payment timing does not alter the customer’s obligations under the construction agreement.
The phrase “preferred contractor” refers only to the homeowner’s stated contractor preference. It does not mean that Four Seasons has been selected, designated, endorsed, or approved by an insurance company or that the insurer has agreed to our proposed scope or price. Consult the insurance company or agent, a licensed public adjuster, or an attorney for advice about coverage or claim rights.
Xactimate is identified for descriptive purposes only. Four Seasons Home Improvement is independent and is not affiliated with or endorsed by Verisk or any insurance company. MHIC #129630 · VA #2705082387A · DC #420224000125.