Insurance Claims & Restoration Work

Dealing with a fire, flood, or storm is already stressful — you shouldn’t have to manage the insurance process alone. At the Water and Fire Restoration Team, we work directly with your insurance company to streamline the process and help you get the coverage you’re entitled to.

We Work With Insurance — Not Against It

While we can’t guarantee what your insurance will cover, our team has built strong relationships with local and regional adjusters. In fact, we know many of them by name and speak with them regularly. We’ve earned a reputation as one of the top restoration companies in the region because we follow insurance guidelines and complete our work within the approved scope and budget — every time.

How the Insurance Process Works

• 1. Emergency Response: We respond fast, mitigate damage, and document everything for your insurance claim.
• 2. Inspection & Estimate: We prepare a detailed restoration estimate using industry-standard software (Xactimate) accepted by most insurance carriers.
• 3. Adjuster Coordination: We meet with your adjuster on-site when needed, answer questions, and align our scope of work with theirs.
• 4. Insurance Approval: Once approved, we start restoration right away and keep your adjuster updated throughout the job.
• 5. No Surprises: If something falls outside the approved coverage, we discuss it with you before moving forward. You’ll always know where things stand.

Why Insurance Adjusters Like Working With Us

• We submit clear documentation and photos.
• We use insurance-compliant estimating tools.
• We meet scope and cost expectations without cutting corners.
• We never inflate estimates — and adjusters know they can trust our word.

Whether your claim is for water, fire, smoke, mold, or storm damage, we’ll walk with you every step of the way. You don’t have to navigate confusing policies or fine print alone — we’ve done this thousands of times, and we’re here to help.