THE Gem State Group OF COMPANIES

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THE Gem State Group OF COMPANIES
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We Work With You and Your Insurance Carrier to Ensure Damage Is Properly Documented, Covered, and Repaired

For years, we’ve helped homeowners and property owners navigate insurance claims following accidents, storms, and other damaging events—making sure losses are accurately assessed and repairs are completed the right way.

IF YOU ARE AN INSURANCE PROVIDER CLICK HERE

ASSESSING DAMAGE AND YOUR COVERAGE

We work directly with you and your insurance provider to assess damage, document losses, and guide you through each step of the claims process—from initial filing through approved funding and completed repairs.


Our turnkey team includes experienced construction professionals, architects, code analysts, engineers, legal resources, and qualified trades, allowing us to thoroughly evaluate your property and ensure repairs are completed properly and in compliance with applicable codes and standards.


We serve as your advocate throughout the process, drawing on extensive experience working with insurance companies to help keep claims moving efficiently and minimize unnecessary delays or confusion.


The claims process doesn’t have to be intimidating. From the moment damage occurs to the final walkthrough, we manage the process on your behalf—so you can focus on getting your home or property back to normal.




WHY YOU NEED AN EXPERIENCED TEAM

Repairing property damage is rarely straightforward. Building codes, permitting requirements, and regulatory standards are complex—and they change frequently. What appears to be a simple repair can quickly become far more involved once current code requirements are considered.


Insurance claims can also be challenging to navigate. Coverage decisions often depend on how damage is documented, interpreted, and tied to required repairs. This is where experience and technical knowledge make a meaningful difference.


While some damage may be visible, properly repairing it often triggers additional requirements such as updates to electrical or plumbing systems, structural elements, energy-efficiency standards, fire and life-safety measures, accessibility requirements, and more. This is particularly common in older buildings, where current state and local codes may require upgrades that did not exist at the time of original construction.


What initially appears to be a straightforward repair often involves significant work behind the scenes. We work closely with you to ensure all necessary repairs are thoroughly evaluated, properly documented, and accurately presented—helping ensure the scope of work reflects what is truly required to restore your property correctly.


WE WORK WITH ALL MAJOR INSURANCE COMPANIES

State Farm Group

Berkshire Hathaway Ins  

Progressive Ins Group

Allstate Ins Group  

Liberty Mutual Ins Cos 

Travelers Group 

USAA Group  

Chubb INA Group  

Farmers Ins Group  

American Intl Group (AIG) 

American Family Insurance Group 

Hartford Ins Group 

Fairfax Financial (USA) Group 

Munich-American Hldg Corp Cos 

Auto-Owners Ins Group 

Tokio Marine US PC Group 

W. R. Berkley Ins Group 

Erie Ins Group

Everest Re US Group  

CNA Ins Cos  

Alleghany Ins Holdings Group

Cincinnati Ins Cos 

FM Global Group 

Great Amer P&C Ins Grp 

Markel Corp Group  

The Hanover Ins Grp Prop & Cas Cos

Kemper PC Companies 

Sompo Hldgs US Group  

Auto Club Enterprises Ins Group 

CSAA Ins Group  

Swiss Reinsurance Group  

Mercury Gen Group  

Arch Ins Group  

Allianz US P&C Ins Companies 

Selective Ins Group 

QBE Americas Group  

AXA U.S. Group 

Assurant P&C Group 

Sentry Ins Group 

Old Republic Ins Group  

AmTrust Group  

COUNTRY Financial PC Group

Auto Club Group  

PartnerRe US Group  

Scor US Group

AXIS US Operations 

Amica Mutual Group 

Starr Intl Group 

EMC Ins Cos  

Federated Mutual Group 

NJM Ins Group

Westfield Group 

Acuity, A Mutual Ins Co 

State Ins Fund WC Fund 

MAPFRE North America Group 

AF Group 

Amer Natl Prop & Cas Companies 

West Bend Mutual Ins Co 

Southern Farm Bureau Cas Group 

TN Farmers Ins Cos 

Farm Bureau P&C Group 

Core Specialty 

Alfa Ins Group

IAT Ins Group  

ICW Pool    

Grange Ins Pool 

Citizens Property Ins Corporation 

Utica Natl Ins Group 

Argo Group 

Texas Farm Bureau Group 

State Compensation Ins Fund

Doctors Co Ins Group 

KY Farm Bureau Group  

Encova Mutual Ins Group 

Universal Ins Hldgs Group  

CUMIS Ins Society Group 

RLI Group 

RenaissanceRe US Group 

NC Farm Bureau Ins Group 

Mortgage Guar Group

Donegal Ins Group 

TX Mutual Ins Co  

ProAssurance Group  

Radian Group  

Church Mutual Ins Group 

Enact Mortgage Ins Group  

United Fire & Cas Group  

CCI Ins Group  

Palisades Group 

Arbella Ins Group  

Secura Ins Cos 

Aspen US Ins Group  

MI Farm Bureau Group 

Coaction Specialty Ins Group  

Frankenmuth Ins Group 

Penn Nat

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    The Gem State Group of Companies

    10780 W. State Street Star, ID 83669

    208-966-1647

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