Insurance claims
We Bill Your Insurance Directly
On covered water and mold claims, we document the loss the way adjusters need to see it, work with your carrier, and send the bill to them instead of you. You still pay your deductible. Filing a claim isn't required, though, and we take plenty of residential work that homeowners pay for themselves.
Insurance
We work with your insurance, and we bill them directly
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Call us
We answer, ask what happened, and get a crew moving. Same-day emergency response on active water.
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We document everything
We take moisture readings and photos and write up a scope of work before drying starts, so your adjuster has the file from day one.
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We bill your insurer directly
We work directly with your insurance company on covered water and mold claims, so you're not fronting the full cost and chasing reimbursement.
Your deductible is still yours to cover, and we'll tell you that number before any work starts rather than after. You also don't need a claim to hire us. Plenty of our jobs are paid directly by the homeowner, and after the free inspection we'll say which way makes more sense for the damage you have.
Start to finish
How a claim works
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Call us
(551) 414-6202. For active water we dispatch the same day; for everything else we schedule the free inspection around you. Either way, don't wait for the adjuster to start mitigation. Nearly every policy requires you to take reasonable steps to prevent further damage, and we document as we work, so the adjuster sees exactly what condition the property was in.
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Free inspection & documentation
Photos before we touch anything, moisture readings in every affected material, notes on the cause of loss, and daily drying logs once equipment is running. Your adjuster gets that whole file, recorded as the work happens.
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We work with your adjuster
We walk the adjuster through the scope, answer the technical questions, and back every line item with readings and photos. If the estimate is missing lines, we request supplements in writing, and most gaps close once the carrier sees the readings.
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We bill the insurer directly
On covered water and mold claims, the bill goes from us to your carrier. You don't front the cost of mitigation and then wait on reimbursement. We handle the billing paperwork with your carrier.
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You pay your deductible, nothing hidden
The deductible is the share of a covered loss you agreed to when you bought the policy, and it applies before insurance pays anything. We can't waive it, and nobody can without misrepresenting the claim to your carrier. After the free inspection we'll tell you if the damage is small enough that filing doesn't make sense against your deductible.
What's covered
What homeowners insurance usually covers, and what it doesn't
The dividing line in most policies is sudden and accidental versus gradual. The cause of the water matters more to the carrier than the amount of it.
Usually covered: sudden & accidental
- A pipe that burst or froze and let go
- A water heater or appliance hose that failed
- An overflow that came through the ceiling
- Storm water that entered through sudden damage, like a wind-opened roof
Usually not covered: gradual damage
- A slow leak that ran for weeks or months
- Seepage and groundwater coming through the foundation
- Damage traced to deferred maintenance
- Mold that grew from long-term humidity rather than a covered water event
The flood-policy caveat
Rising water from outside is generally excluded from homeowners policies entirely: a river over its banks, storm surge, surface runoff coming in at grade. Those need a separate flood policy, usually through the National Flood Insurance Program. If that's your situation, we still do the work and document it the same way, and we'll tell you up front which policy the claim belongs to.
Every policy is different, so read yours or ask your agent. At the free inspection we record the cause of loss carefully and tell you which side of that line your damage likely falls on, including when filing a claim isn't worth it against your deductible.
Insurance questions we get most
Does homeowners insurance cover water damage?
Usually, when the cause was sudden and accidental: a burst pipe, a failed water heater, an appliance hose that let go. Policies generally exclude damage that happened gradually, like a slow leak that ran for months, and outside flooding needs a separate flood policy. When we inspect, we document the cause of loss carefully, because that is the first thing the adjuster reviews.
Do you bill my insurance company directly?
Yes. On covered water, mold, and fire claims we bill the carrier directly, so you are not fronting the cost and waiting for reimbursement. You pay your deductible and we settle the rest with the insurer, supported by the photos, moisture readings, and drying logs adjusters ask for. A claim is not required to hire us — many of our residential jobs are paid by the homeowner.
Do I still have to pay my deductible?
Yes. The deductible is your share of a covered loss and it applies before the insurer pays anything. Be careful with any contractor who offers to waive or absorb it — that misstates the claim and can put you at risk. If the damage is small enough that filing makes no sense against your deductible, we will tell you that after the free inspection.
Should I wait for the adjuster before cleanup starts?
No. Your policy requires you to take reasonable steps to prevent further damage, and standing water does more harm every hour it sits. Extraction and drying should start right away. We photograph and document the property before and during the work, so the adjuster can see exactly what condition it was in when we arrived.
What documentation does an insurance claim need?
Photos of the damage before work starts, moisture readings from every affected material, drying logs while equipment runs, and an itemized scope of what was removed and why. We produce all of it as we work, and you get a copy whether or not you file. If a failed part caused the loss — a supply line, a fitting — keep it, because adjusters often want to see it.
What if my claim gets denied?
Denials usually argue the damage was gradual or a maintenance issue. Our documentation — photos, moisture readings, notes on the cause of loss — gives you something concrete to push back with, and a re-inspection sometimes changes the outcome. If the denial stands, we will walk you through what the repair requires and what can safely wait.
Start with the free inspection.
We look, take moisture readings, and photograph the damage, then tell you what you're dealing with and whether a claim makes sense. Active water? Our emergency line answers six days a week.