Insurance Claims

Working with Insurance

We bill your homeowners or commercial property insurance carrier directly. You pay your deductible — we handle the rest of the carrier conversation. Most major U.S. carriers accepted.

What Insurance Typically Covers

Sudden and accidental water damage — burst pipes, appliance failures, supply line failures, accidental overflow — is covered under almost every homeowners policy. Storm damage from wind-driven rain or hurricane is usually covered. Fire damage is universally covered.

Flooding from rising surface water (river overflow, storm surge) is typically NOT covered by homeowners — that requires a separate flood policy through NFIP or a private flood carrier. Sewage backup often requires a specific endorsement. Long-term seepage from poorly-maintained plumbing is usually denied.

Documentation We Provide

For every job, your adjuster receives: Xactimate-compatible line-item estimates, dated moisture readings with location maps, before/during/after photos for each affected area, scope-of-work narratives explaining each IICRC S500 or S520 step, and verified drying logs. This level of documentation is what carriers expect and what speeds approval.

Common Adjuster Pushback

Carriers occasionally challenge drying time, materials removed, or scope of reconstruction. Because our documentation maps to IICRC standards, scope disputes are usually resolved by sharing the moisture log and S500 reference. If your carrier denies coverage we cannot bill directly, but we provide all documentation you need for an internal appeal.

What You Should Do First

1) Call us at (888) 508-0998 — we can dispatch before you call your carrier. Mitigation is time-critical. 2) Take photos of the damage if it is safe to do so. 3) Locate your policy number. 4) Open the claim with your carrier (or we can help you).