Insurance & Claims Checklist

We get water out, board up openings and set drying equipment before anything else. Your policy expects you to keep a loss from getting worse, and this emergency work is part of the claim — it does not wait on the adjuster.

• Call us and get a crew rolling — we answer 24/7
• Shut the water off or kill power to the affected area if it is safe
• Take your own quick phone photos before anything is moved
• We extract water, board up openings and set drying equipment
• Keep everyone out of unsafe or contaminated areas

Words you'll hear: Mitigation · Emergency services · Secure the loss

You call your insurance company and they give you a claim number. Give that number and your adjuster's name to us and we talk to them directly from there, so you are not stuck in the middle relaying messages.

• Call your insurance company and report the loss
• Write down the claim number, adjuster name, phone and email
• Send us that claim info so we can talk to the carrier directly
• Find your policy declarations page (limits and deductible)
• Tell the carrier emergency mitigation is already underway

Words you'll hear: Claim number · Adjuster · Deductible

Every room gets photographed before we move a thing, moisture readings get logged daily, and the equipment on site is tracked. That paperwork is what gets a claim paid without a fight.

• Wide and close-up photos of every affected room before demo
• Moisture map of what read wet on day one
• Daily meter readings logged until the structure hits dry standard
• Equipment log — how many machines, how many days
• You get copies of all of it, no need to ask

Words you'll hear: Moisture map · Drying log · Psychrometric readings

We write the estimate in Xactimate — the same software your adjuster uses — line by line for the work that has to happen. Nobody swings a hammer on the rebuild until you and the carrier both agree on that list.

• We write the estimate in Xactimate, line by line
• Adjuster reviews and we reconcile any differences
• You review the scope and ask questions before signing
• Pick your finishes — flooring, paint, cabinets, countertops
• Nothing on the rebuild starts until the scope is agreed

Words you'll hear: Scope of work · Xactimate · Line item · Price list

One licensed contractor takes it from demolition through drywall, paint and flooring. If we open a wall and find damage nobody could see, we file a supplement instead of asking you to eat the cost.

• Demo, drywall, trim, paint and flooring by one licensed contractor
• Hidden damage gets filed as a supplement, not billed to you
• Final walkthrough with a written punch list
• Certificate of completion and final photo packet for your file
• Carrier releases held depreciation once work is done

Words you'll hear: Supplement · Depreciation · Certificate of completion