Insurance Resource Center
One partner for the claim and the restoration. Free inspections, direct insurance billing, and insurance-grade documentation on every loss — so your carrier gets what it needs and your recovery keeps moving.
Who Are You in This Claim?
The claims process looks different depending on where you sit. Jump to the guidance written for your role.
Homeowners
Filing a claim step by step, your duty to mitigate, and what your adjuster will ask for.
Homeowners InsuranceCommercial Policyholders
Business-interruption awareness, stakeholder communication, and large loss management.
Commercial InsuranceInsurance Professionals
Assignment intake, mitigation reporting cadence, and audit-ready claim files.
For Adjusters & TPAsSupport Services
Direct billing, Xactimate estimates, moisture logs, photo documentation, and claim assistance.
Insurance Support ServicesFiling a Property Claim, Step by Step
A property loss is stressful; the claim doesn't have to be. Here is the sequence carriers expect — and what we take off your plate at each step.
Stop the Source & Stay Safe
Shut off the water supply, power, or gas if it is safe to do so. Nothing in your policy requires you to enter an unsafe structure.
Notify Your Carrier
Call your insurer's claims line or agent promptly. Prompt notice is a policy condition, and it opens the claim number every later document will reference.
Begin Emergency Mitigation
Your policy's duty to mitigate requires reasonable steps to prevent further damage — extraction, structural drying, board-up, tarping. Our crews are typically on-site in 2–4 hours to perform exactly that work.
Document Everything
Photograph the cause of loss and every affected room before anything is moved. We add moisture mapping, thermal imaging, and daily drying logs to your file from the first visit.
Work With Your Adjuster
The adjuster verifies cause, scope, and coverage. We share our readings, photos, and Xactimate scope directly with them and walk the loss together when needed.
Restore & Close the Claim
Once scope is agreed, restoration proceeds to pre-loss condition. We bill the carrier directly for covered work and hand you a complete closing file.
Understanding Your Duty to Mitigate
Nearly every homeowners policy contains a clause requiring you to take reasonable steps to protect the property from further damage after a loss. That is why emergency mitigation is covered conduct, not an optional extra: carriers expect it to start quickly, and they can decline to pay for secondary damage — mold growth, warped flooring, saturated framing — that timely mitigation would have prevented.
Adjusters, in turn, need evidence: the cause of loss, the extent of moisture migration, and proof the drying actually worked. We build that record for you as part of the job.
- 24/7 emergency mitigation under IICRC S500 — the conduct your policy requires
- Cause-of-loss photos, moisture mapping, and daily drying logs your adjuster can verify
- Scope written as Xactimate line items in your carrier's own estimating language
- Direct billing for covered work — you typically pay only your deductible
- One point of contact from first call through claim closing
Commercial Claims Are a Different Discipline
Property management portfolios, multi-family communities, schools, healthcare facilities, and industrial losses bring layered policies, more stakeholders, and business-interruption exposure that grows by the day. Large loss management is about controlling all three at once.
Business-Interruption Awareness
Every day a facility sits closed compounds the loss beyond the physical damage. We sequence mitigation and reconstruction around your operations — phased containment, after-hours work, priority zones — so downtime and the interruption claim both stay as small as possible.
Stakeholder Communication
Tenants, ownership groups, boards, facility teams, and the carrier all need different information at different cadences. We provide status reporting your property manager can forward without translation.
Large Loss Management
Multi-building and industrial losses get a dedicated project lead, staged equipment from our five-branch SoCal and Arizona footprint, and milestone reporting that keeps a complex commercial loss recovery on schedule.
Sensitive Environments
Schools, healthcare facilities, and food-adjacent operations carry compliance obligations of their own. Negative-air containment, HEPA filtration, and documented clearance protect occupants and satisfy regulators as well as carriers.
Commercial Loss Recovery Documentation
Commercial adjusters expect a deeper file: unit-by-unit moisture mapping, equipment logs, environmental readings, and an Xactimate scope organized so a large claim can be reviewed without rework.
Pre-Loss Planning
The best commercial claim is the one you prepared for. Our pre-loss planning maps shut-offs, priorities, and contacts before anything happens, so response and claim documentation start from a plan instead of a scramble.
Built for Adjusters, TPAs & Risk Managers
Adjusters, third-party administrators, risk managers, claims managers, and facility managers work with us because the file arrives complete. Here is what an assignment looks like end to end.
Assignment Intake
Send an assignment by phone or through our request form with the claim number and insured's contact. Our 24/7 dispatch confirms receipt, contacts the insured, and gets a crew moving — typically on-site within 2–4 hours.
Mitigation Reporting Cadence
First-visit cause-of-loss report with photos and initial moisture mapping, then daily drying logs with psychrometric readings and equipment counts until dry standard is reached. No chasing updates — the reporting arrives on schedule.
Audit-Ready Files
Every job closes with a complete package: signed work authorization, photo documentation, moisture and thermal-imaging records, Xactimate scope, and completion certificate — consistent across all five branches, ready for QA review or reinspection.
We work to ANSI/IICRC consensus standards — S500 for water, S520 for mold, S540 for trauma — so the technical basis for every scope decision is citable. Learn more about partnering with us on the Insurance Professionals page.
Everything the Claim Needs, In-House
These services run alongside the physical restoration on every job — for homeowners, commercial policyholders, and the professionals managing the claim.
Direct Insurance Billing
With your authorization we bill the carrier directly for covered work, so you typically pay only your deductible and never front the recovery.
Xactimate Estimates
Scopes written as line items in the estimating platform most U.S. property insurers use — reviewable by your adjuster without translation or rework.
Insurance Documentation
Insurance-grade documentation from first visit to completion certificate: cause of loss, scope basis, standards applied, and sign-offs.
Daily Moisture Logs
Moisture readings and psychrometric data recorded daily to IICRC S500 dry standards — the objective proof that structural drying worked.
Photo Documentation
Time-stamped photographs of the cause of loss, every affected area, and each work phase, organized by room for fast adjuster review.
Claim Assistance
We help you report the loss, understand what your adjuster is asking for, and keep paperwork moving — one partner for the claim and the restoration.
Emergency Mitigation Documentation
A dated record of every duty-to-mitigate action — extraction, board-up, tarping, containment — establishing that the policyholder acted promptly.
Thermal Imaging & Moisture Mapping
Infrared imaging and calibrated meter readings that map hidden moisture behind walls and under floors, defining scope no visual inspection can.
Not Sure You Have a Claim? Start With a Free Inspection.
Our free, no-obligation inspection documents what happened, how far the damage extends, and whether a claim makes sense — with moisture readings and photos you keep either way. If the damage is minor, we will tell you that too.
Straight Answers on Claims & Coverage
The questions policyholders and adjusters ask us most — answered plainly. Your policy language always governs; when in doubt, ask your carrier or agent.
Most homeowners policies cover sudden and accidental water damage — a burst pipe, a failed supply line, an appliance overflow. Gradual damage from long-term leaks or deferred maintenance is commonly excluded, and flood damage from rising water typically requires a separate flood policy. Coverage always depends on your specific policy language, which is why we document the cause of loss carefully from the first site visit.
Nearly every property policy requires the policyholder to take reasonable steps to prevent further damage after a loss. Emergency mitigation — water extraction, structural drying, board-up, tarping — is that required conduct, which is why carriers treat prompt mitigation as covered emergency work rather than an optional extra. Delaying it can allow secondary damage a carrier may decline to pay for.
With your authorization, we bill your insurance carrier directly for covered work. You typically pay only your deductible; we submit the scope, documentation, and invoices straight to the carrier and reconcile the file with your adjuster, so you are not chasing paperwork in the middle of a recovery.
Xactimate is the estimating platform most U.S. property insurers use to price restoration work. Because we write our scopes as Xactimate line items, your adjuster can review and validate the estimate in the same system your carrier uses — which shortens review cycles and reduces disputes over scope.
Yes. We share our moisture mapping, photo documentation, drying logs, and scope notes with your adjuster from the first visit, walk the loss together when needed, and answer carrier questions directly so the claim keeps moving without you in the middle.
Cause-of-loss photos, daily moisture logs, thermal imaging and moisture mapping records, equipment placement logs, the Xactimate scope, and a final completion record — one insurance-grade file for you, your adjuster, and your own records.
No. In most states, policyholders have the right to choose their own qualified restoration contractor; a carrier's preferred-vendor list is a convenience, not a requirement. Whoever you choose should be certified, licensed, insured, and able to produce documentation your adjuster can rely on.
Ask your carrier to explain the decision in writing, then compare it against the documentation. Our files — cause-of-loss evidence, moisture logs, photos, and the Xactimate scope — give you an objective technical record to support a re-inspection request or supplemental documentation, and you can escalate through your state's department of insurance if needed. We are restoration contractors, not public adjusters, but we make sure the record supports what actually happened at your property.
One Call Starts the Mitigation and the Claim
Crews typically on-site in 2–4 hours, documentation your adjuster can rely on, and direct billing so the paperwork never slows the recovery.