We Bill Your Insurance Directly

That's a question for your insurer, and we say so on purpose. We're a restoration contractor, not a public adjuster or insurance agent, and only your carrier can tell you what your policy covers. In general terms, homeowners policies treat sudden and accidental damage, like a burst pipe or a failed water heater, differently from a slow leak that ran for months, and flooding from outside is usually a separate policy. That's why the cause of loss matters. When we inspect, we photograph and log what the damage shows, and that record goes to your insurer for their decision. Call your agent or your carrier's claim line to confirm coverage before you count on it.

Yes. On covered losses we bill your insurer directly, so you're not writing a large check and waiting for reimbursement. You pay your deductible and we settle the rest with the carrier, backed by the photos, moisture readings, and daily drying logs adjusters ask for. You don't need a claim to hire us, though. A lot of our residential work is paid directly by the homeowner.

Yes. The deductible is your agreed share of a covered loss, and it applies before insurance pays anything. Your declarations page or your agent has the exact number. Be wary of any contractor offering to waive or absorb it; that misrepresents the claim and can put you at risk. If the damage is small, we say so after the free inspection and give you the written estimate, so you and your agent can decide whether filing makes sense against your deductible.

Usually no. Most homeowners policies require you to take reasonable steps to prevent further damage, and your agent or adjuster can confirm what yours says. Extraction and drying should start promptly instead of several days later, once materials have soaked through and mold has had time to start. We photograph and document everything before and during mitigation, so the adjuster sees what condition the property was in.

Four things: photos of the damage before work starts, moisture readings from every affected material, daily drying logs, and an itemized scope of what was done and why. We produce all of it as we work, and you get copies whether or not you file. If a failed part caused the loss, like a supply line or a burst hose, keep it, because adjusters often ask to see it.

A denial is between you and your carrier, and we're not public adjusters, so we can't argue the claim for you. What we can do is hand you the complete file: photos from before work started, moisture readings, and notes on the cause of loss. Homeowners sometimes ask their carrier for a re-inspection with that documentation, and if you want someone to negotiate the claim on your behalf, that's a licensed public adjuster or an attorney. If the denial stands, we'll walk you through what the work requires and what can safely wait. The inspection and estimate cost nothing either way.