We Handle Your Insurance Claim

Rate increases depend on your policy, insurer, and claims history — not on filing a legitimate claim. Most policies allow a certain number of claims before rates are affected. We recommend calling your agent to understand your specific policy before filing, but delaying restoration to avoid a claim can make damage far worse and more expensive.

This is common. Adjusters are employed by the insurance company and may underestimate damage or miss hidden issues. We use Xactimate to prepare our own detailed estimate and will advocate directly with the adjuster to ensure all damage is accounted for. If there is a significant dispute, you have the right to request a re-inspection or hire a public adjuster.

Most claims are acknowledged within 1-3 days and approved within 1-2 weeks of adjuster inspection. We start mitigation (water extraction, drying, board-up) immediately regardless of claim status to prevent further damage — most policies cover emergency mitigation. Full restoration timing depends on the scope of damage.

No. Call us first. The sooner we arrive, the less damage your property sustains. We will document everything before touching anything and prepare a professional estimate for your insurer. Getting multiple estimates before acting wastes critical time with water and fire damage.

RCV (Replacement Cost Value) pays to replace damaged property with new items at current prices — this is the better coverage. ACV (Actual Cash Value) pays replacement cost minus depreciation, so you receive less for older items. Check your policy declarations page to know which you have. We can help you understand what each means for your specific claim.

Yes, in most cases we can bill your insurer directly, so you are not out-of-pocket waiting for reimbursement. You are typically responsible for your deductible. We will walk you through the payment process before any work begins so there are no surprises.