How We Support Your Claim
- You call us — before or after the carrier. Most policies ask you to take reasonable steps to prevent further damage, so mitigation should not wait for an adjuster's visit. The evidence we capture in the first hours makes everything downstream clearer.
- We document like the claim depends on it. Photos of the source and every affected surface, moisture maps, thermal images, documentation of the apparent source and conditions observed, and daily drying logs — assembled the way adjusters expect to receive them.
- We estimate our scope in Xactimate. A widely used estimating platform in the property insurance and restoration industries. A line-item estimate for our mitigation and remediation work means no mystery numbers.
- We communicate with your carrier as needed. Scope questions about our work, supplements when opening a wall reveals more than the first inspection could see, and the records behind every line — handled directly with your adjuster.
- We can bill your carrier directly when appropriate. For many losses that means you are not fronting the mitigation cost. Deductibles and any portion the carrier does not approve remain between you and your policy, and we tell you that picture up front.
- Final documentation for the next phase. When the readings say dry, you receive the drying records, photos, and a clear list of what was removed — the file your reconstruction contractor and your carrier will work from. Here is what happens after mitigation.
What We Can — and Can't — Do on a Claim
We can
- Inspect and estimate at no charge
- Document conditions with photos, moisture readings, and drying records
- Prepare a detailed Xactimate estimate for our mitigation and remediation scope
- Communicate with your adjuster about our work
- Bill your carrier directly when appropriate
- Explain the process and what typically comes next
We can't
- Determine whether a loss is covered
- Guarantee payment or tell you what your policy owes
- Promise that you will only pay a deductible
- Manage your entire claim or act as your adjuster
- Estimate or negotiate the reconstruction contractor's scope
- Give legal or coverage advice
Coverage and payment are determined by the terms of your policy and your insurance carrier. Our job is to make sure the mitigation part of your claim is complete, accurate, and easy to evaluate.
How Property Claims Are Typically Structured
Every policy is different, and only your carrier can tell you how yours applies. In general terms, a restoration claim often has several distinct parts, and it helps to know which is which:
- Emergency mitigation — extraction, controlled demolition, and structural drying after a water loss, or the water side of a fire loss. This is our scope, and the part we document and estimate.
- Remediation — mold or biohazard work. Policies frequently treat mold differently depending on its cause, and many carry specific limits.
- Specialty services — contents cleaning, smoke and soot remediation, roofing, and similar work performed by other professionals, each with its own estimate.
- Reconstruction — repairs after mitigation, handled by the reconstruction contractor you choose, who prepares that estimate and communicates with your carrier about it.
- Additional living expenses — some policies address temporary housing when a home is not livable during the work. Ask your carrier.
Policies also commonly treat gradual leaks, deferred maintenance, and rising floodwater differently from sudden, accidental losses. We do not make that call — but we photograph and describe the apparent source and the conditions we observed so your carrier has the facts to make it.
