How Restoration Companies Work With Insurance

Filing a property damage insurance claim without understanding how the restoration process works can lead to delays, underpayment, or coverage disputes. Here's a clear explanation of how a restoration company coordinates with your insurance carrier — from first contact to final settlement.

What We Do Before Work Begins

Before any cleanup or repair work starts, we assess the full extent of the damage and document it thoroughly with photos, video, and moisture readings. This documentation forms the basis of our estimate and your insurance claim.

• •Photograph and measure all damage — visible and concealed
• •Create a written scope of work in Xactimate
• •Contact your insurance carrier to open or supplement the claim
• •Coordinate an on-site meeting with your adjuster

What Is Xactimate?

Xactimate is the estimating software used by the majority of insurance carriers and their adjusters to price property damage. When restoration estimates are written in Xactimate — using the same unit costs and line items adjusters use — claims process faster and with fewer disputes. We write all estimates in Xactimate.

The Adjuster Visit

Your insurance carrier sends an adjuster to assess the damage and review our estimate. We're present during the adjuster visit to walk through the scope of work and answer questions. Having a knowledgeable restoration contractor present during the adjuster visit typically results in more complete documentation of the actual damage.

Supplements — When Initial Estimates Miss Something

Initial estimates are sometimes incomplete. Hidden damage discovered during demolition, or damage that wasn't visible during the first inspection, may require a supplemental claim. We prepare and submit supplements on your behalf, documenting the additional scope with photos and measurements.

What You Should and Shouldn't Do

• •DO keep copies of all estimates, correspondence, and approvals
• •DO review your policy's deductible and coverage limits before work begins
• •DON'T dispose of any damaged materials before they're documented or inspected
• •DON'T sign a work authorization that includes assignment of benefits clauses without understanding what you're agreeing to
• •DON'T assume the first estimate is final — supplements are common and normal