Insurance Claim FAQ
Don't hesitate to call to have all of your questions answered.
What should I do first when water damage occurs?
What should I do first when water damage occurs?
What should I do first when water damage occurs?
Stop the water, document the damage, and call your insurer. Then contact a restoration professional to help you file properly.
Stop the water, document the damage, and call your insurer. Then contact a restoration professional to help you file properly.
Stop the water, document the damage, and call your insurer. Then contact a restoration professional to help you file properly.
Will homeowners insurance cover flooding?
Will homeowners insurance cover flooding?
Will homeowners insurance cover flooding?
No. You need a separate flood insurance policy for that. Homeowners insurance covers only sudden and accidental water damage.
No. You need a separate flood insurance policy for that. Homeowners insurance covers only sudden and accidental water damage.
No. You need a separate flood insurance policy for that. Homeowners insurance covers only sudden and accidental water damage.
Why was my claim denied?
Why was my claim denied?
Why was my claim denied?
Your insurer may deny your claim if the damage was gradual, if your policy doesn’t cover the type of event, or if you didn’t act to prevent more damage.
Your insurer may deny your claim if the damage was gradual, if your policy doesn’t cover the type of event, or if you didn’t act to prevent more damage.
Your insurer may deny your claim if the damage was gradual, if your policy doesn’t cover the type of event, or if you didn’t act to prevent more damage.
How do I strengthen my case?
How do I strengthen my case?
How do I strengthen my case?
Document the damage thoroughly, get a professional inspection, and ensure your reports match insurance company standards.
Document the damage thoroughly, get a professional inspection, and ensure your reports match insurance company standards.
Document the damage thoroughly, get a professional inspection, and ensure your reports match insurance company standards.
What does an adjuster look for in my claim?
What does an adjuster look for in my claim?
What does an adjuster look for in my claim?
Adjusters want moisture readings, photos from multiple angles, and estimates written in insurance code (like Xactimate) to process claims correctly.
Adjusters want moisture readings, photos from multiple angles, and estimates written in insurance code (like Xactimate) to process claims correctly.
Adjusters want moisture readings, photos from multiple angles, and estimates written in insurance code (like Xactimate) to process claims correctly.
Can I file a supplement if hidden damage is found?
Can I file a supplement if hidden damage is found?
Can I file a supplement if hidden damage is found?
Yes. Supplements are common when hidden damage is uncovered during restoration. Proper documentation helps ensure approval.
Yes. Supplements are common when hidden damage is uncovered during restoration. Proper documentation helps ensure approval.
Yes. Supplements are common when hidden damage is uncovered during restoration. Proper documentation helps ensure approval.
How long does it take to get a payout?
How long does it take to get a payout?
How long does it take to get a payout?
Timelines vary, but clear documentation and coordination with your adjuster speed up the process significantly.
Timelines vary, but clear documentation and coordination with your adjuster speed up the process significantly.
Timelines vary, but clear documentation and coordination with your adjuster speed up the process significantly.
Do restoration companies work directly with insurance companies?
Do restoration companies work directly with insurance companies?
Do restoration companies work directly with insurance companies?
Yes. Professional contractors coordinate with insurers, meet adjusters on-site, and provide the exact paperwork needed for approval.
Yes. Professional contractors coordinate with insurers, meet adjusters on-site, and provide the exact paperwork needed for approval.
Yes. Professional contractors coordinate with insurers, meet adjusters on-site, and provide the exact paperwork needed for approval.
What if my claim is partially approved?
What if my claim is partially approved?
What if my claim is partially approved?
You can appeal or submit additional documentation to recover more coverage. Claim advocacy ensures you don’t leave money on the table.
You can appeal or submit additional documentation to recover more coverage. Claim advocacy ensures you don’t leave money on the table.
You can appeal or submit additional documentation to recover more coverage. Claim advocacy ensures you don’t leave money on the table.
Why is professional claim support valuable?
Why is professional claim support valuable?
Why is professional claim support valuable?
Most denials come from missing documentation. Claim support ensures adjusters have everything needed to approve full coverage.
Most denials come from missing documentation. Claim support ensures adjusters have everything needed to approve full coverage.
Most denials come from missing documentation. Claim support ensures adjusters have everything needed to approve full coverage.
DON'T WAIT.
DON'T WAIT.
DON'T WAIT.
The Damage Won’t.
The Damage Won’t.
The Damage Won’t.
Every hour the damage sits, the cost goes up. Our crews are ready 24/7 — call now or book your free inspection.
Every hour the damage sits, the cost goes up. Our crews are ready 24/7 — call now or book your free inspection.