Insurance Claim Support Services

Complete documentation, Xactimate scopes, and adjuster coordination. Coverage maximized with no homeowner stress.

Insurance claim documentation prepared for property damage restoration
Insurance claim documentation prepared for property damage restoration

Insurance Claims Are Won or Lost in the Details

You’ve paid premiums for years expecting protection when disaster strikes. But insurance approval takes more than photos and a repair estimate. Adjusters work from specific standards and readings that determine payout. Miss one detail and coverage shrinks. We know exactly what adjusters look for because we use their own estimating systems. That’s how we make sure your claim is filed right the first time.

  • 800+ Oregon homeowners served

  • 🛠 Certified Crews — IICRC-trained & insurance-ready

  • 24/7 Emergency Help — Same-day response when it matters

  • Insurance Handled — Full documentation & claim support

WHAT YOU CAN EXPECT

Complete Documentation

We photograph every angle, log all moisture readings, and build the paper trail adjusters require for approval.

Adjuster Coordination

We meet your adjuster on site, walk them through damage areas, and answer technical questions directly.

Professional Estimates

Your scope gets written in Xactimate using proper insurance codes, so adjusters process it without confusion.

Claim Advocacy

We pursue supplements for hidden damage, track approvals, and stay on your claim until restoration is fully covered.

Our 3-Step Restoration Process

Every hidden damage documented

Every hidden damage documented

Every hidden damage documented

Moisture, odor, and material issues mapped and logged for full coverage.

Containment and drying started immediately

Containment and drying started immediately

Containment and drying started immediately

We stop the spread on arrival and prevent secondary damage.

Insurance coverage secured, home restored

Insurance coverage secured, home restored

Insurance coverage secured, home restored

We prepare adjuster-ready files and push your claim forward to approval.

FAQ

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?

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?

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?

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?

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?

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?

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?

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?

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?

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.

Why Homeowners Lose Out

Adjusters often only see paperwork, not the home. Without logs and photos in the right format, claims get reduced or denied. We create complete packages in the language adjusters expect so your coverage isn’t left to chance.

Technician explaining insurance coverage to homeowner
Technician explaining insurance coverage to homeowner
Professional Xactimate estimate prepared for insurance claim support
Professional Xactimate estimate prepared for insurance claim support

When It’s Handled Right

Work starts within days, not weeks. You know coverage up front, and your adjuster has exactly what they need. Supplements get approved because hidden damage was documented. No surprises, just steady progress.

What Oregon Homeowners Say About Rutman

Recent, verified Google reviews from local jobs.

Recent, verified Google reviews from local jobs.

Get Full Support for Your Insurance Claim

Don’t risk losing coverage to paperwork mistakes. One call gets your damage documented and your claim processed correctly.

Emergency help 24/7: (971) 267-2779

Emergency help 24/7: (971) 267-2779

Emergency help 24/7: (971) 267-2779

What happened to your home?

How soon do you need help?

Best phone number to reach you?

Best time for us to call?

Your information is secure. We never share it.

What happened to your home?

How soon do you need help?

Best phone number to reach you?

Best time for us to call?

Your information is secure. We never share it.

What happened to your home?

How soon do you need help?

Best phone number to reach you?

Best time for us to call?

Your information is secure. We never share it.