Insurance Questions
1. Do I have to call my insurance agent first?
It’s a good idea to notify your insurance agent early, but you don’t have to wait to take action. In fact, most insurance policies require you to prevent further damage, which means you can—and should—call a restoration company right away. We’ll help document the damage, begin emergency cleanup, and even communicate with your insurance company on your behalf.
2. Do you work with my insurance company?
Yes, we work directly with most major insurance companies and adjusters. We’ll help you understand your policy, file claims, and handle the paperwork so you can focus on getting your life back to normal.
3. Will my insurance cover the cost of restoration?
Most home or business insurance policies cover damage from fire, storms, water leaks, and sometimes mold or trauma scenes. We’ll review your policy with you and work directly with your adjuster to get approvals.
4. How much will it cost me out of pocket?
It depends on your insurance coverage and deductible. In many cases, your only cost will be the deductible. If something isn’t covered, we’ll be transparent about pricing and offer flexible payment options if needed.
5. Can you help me understand what’s covered by my policy?
Absolutely. We’re happy to go over your policy with you and explain in simple terms what is and isn’t covered for each type of damage.
6. What documentation do I need for my insurance claim?
Photos of the damage, an itemized list of lost or damaged items, and a detailed estimate from a licensed restoration company are usually required. We help you organize this documentation to streamline the process.
7. What happens if my insurance claim is denied?
If that happens, we’ll work with you to explore other options, including direct payment plans. We’ll also help you understand why the claim was denied and whether there’s any way to appeal.
