Filing a restoration claim is stressful. We document the damage properly and coordinate directly with your insurer, so you can focus on getting back to normal.
We are a restoration company, not your insurer or public adjuster. Our role is to document, estimate, and coordinate the restoration work clearly.
Thorough photos, notes, and moisture documentation
Direct communication with your insurer when the claim allows
Detailed estimates aligned with restoration scope
Plain-language guidance from start to finish
Does insurance cover restoration?
Every policy is different. Sudden water damage, fire, and smoke are commonly covered; gradual leaks, flood water, mold, and sewage backup may depend on exclusions or endorsements.
What to do for a smoother claim
Ensure safety, stop the source if you can, document the damage, call for mitigation quickly, notify your insurer, and keep records of communications and receipts.
Related guides
Related restoration guides
These guides add context for claim documentation, first response steps and restoration planning.
It's the question on every homeowner's mind the moment water appears: will my insurance pay for this? The general answer is that homeowners policies typically cover water damage that's sudden and accidental — but not damage from gradual neglect or from flooding, which is a separate category. Here's how to tell which bucket your situation falls into. (This is general information, not insurance advice — always check your specific policy and confirm with your insurer.)
Filing a water damage claim feels overwhelming when you're already dealing with the damage itself. Break it into steps and it's manageable. Here's the process, in order. (General guidance — your insurer's specific procedures and your policy terms govern.)
If you're staring at a flooded floor, "what is this going to cost?" is probably your first question. The honest answer: it depends — but understanding what it depends on helps you avoid surprises and spot a fair estimate. Costs range widely, from a few hundred dollars for a small, clean-water cleanup to several thousand or more for extensive damage involving multiple rooms, contaminated water, or structural repairs.