Most water damage claims are covered when adjusters properly apply the terms and conditions of the insurance policy. However, adjusters will often misapply those terms and conditions, or look for reasons to deny a claim. We can help you file your claim and ensure that they properly cover you in accordance with your insurance policy terms.

Policyholders are required to take reasonable steps to mitigate further damage to their home or business, and then promptly notify their insurer. We can help you with giving proper notice to your insurer after inspecting the loss and taking any immediate action necessary to mitigate further damage.

Yes! You pay your deductible and then we bill your insurance company directly for the rest of the covered work we do in your home or business.

We will reach out to your insurer immediately and begin communicating with them about your claim and the scope of work. They may want to ask you some questions and see the damage, but we can help you through that process. We will meet your adjuster on-site when they inspect so that we can answer their questions about the job. When all work is complete, we will provide a comprehensive and highly detailed billing packet to your adjuster and work with them directly for final payment of the invoice.

Most commonly, all or most of the bill for services will be covered and paid by your insurance company, less your deductible. In some cases, certain parts of the work may not be covered by your policy. However, in those cases, the insurance company should notify us in advance so that you can decide if you want to proceed with the services.

Absolutely. On the occasion that the damage in your home is not covered by your insurance policy, we offer substantial discounts. We understand the hardship that is caused when an insurance policy you’re relying on comes up short. In addition to discounts for claim denials, we offer in-house financing. In fact, you can even finance your deductible!

Yes! Your adjuster may try to convince you to use their ‘program contractor’ by claiming that your contractor charges too much. They know that they can keep costs down if you agree to use a vendor that they control. That is good for them, and bad for you. You have the right to choose a contractor that will prioritize you and won’t cut corners for your insurance company.

Yes! Insurance policies require you to act promptly and take necessary measures to prevent further damage. If you don’t, they can deny the claim entirely. Therefore, you should never wait to mitigate damage to your home or business. We can typically take action to mitigate further damage by ‘stabilizing’ the affected area for you. There is no cost for this service if it is not covered and will ensure that you don’t jeopardize your claim.

No. You should always take the necessary action to prevent further damage without delay. Your adjuster may choose not to physically inspect the loss at all. If you wait to begin mitigation, your adjuster can use it as a reason to deny your claim altogether. The best course of action is to take all reasonable steps while also communicating with the insurance company and allowing them to decide whether they want to inspect or not. If they want to inspect before work is underway, it is their responsibility to schedule a time to do so.

While your adjuster may want to take control of your claim and make you feel like they can, they actually have very limited rights. Your rights and duties, as well as theirs, are clearly spelled out in your insurance policy. You have a duty to take the necessary steps to mitigate further loss to your property. You should never delay in fulfilling your duties simply because an adjuster is telling you to. Likewise, your adjuster does have a right to inspect the loss, but they do not have the right to stop or delay work until they do. They also do not have the right to determine how the work will be done to mitigate further damage. They are not experts or professionals in water damage mitigation. Professional restorers and policyholders make those decisions together. Adjusters oftentimes attempt to control the work done in order to control costs, which is a conflict of interest.

Absolutely. We can do our best to provide you with an estimate for the work, although estimates for water mitigation work are, by nature, rough approximations and can’t be relied upon for a high degree of accuracy. In certain cases we can also provide ‘not to exceed’ amounts in writing.

The Post Loss Assignment you sign with us says that we will collect from your insurer directly for all covered costs. If there are costs that are not covered by your policy, but are necessary and approved by you, you will be responsible for those costs. Your deductible is always your responsibility to pay. We work hard to ensure that your insurance company covers your claim properly so that your out-of-pocket cost is limited to your deductible in most cases.