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Insurance · The process

How the insurance claim works, step by step.

We don't deal with your insurer — but we prepare everything you need so filing your claim is easy. Here's exactly how it goes.

Step by step

What we document, step by step.

Document the loss

On the first visit we capture moisture readings, photos, and the full scope — the evidence your insurer needs.

Mitigate immediately

We start extraction and drying right away (your policy requires you to prevent further damage) and log every step.

Itemized estimate

You get a clear, line-item estimate to submit to your carrier — written to match how insurers review claims.

What to document yourself

Help your own claim.

Photos

Before you clean up

Take wide and close photos/video of the source and all damage before touching anything.

The source

Note what failed

The burst pipe, the overflowed appliance — and when you discovered it.

Receipts

Keep everything

Save receipts for anything you buy or pay during the emergency.

Policy

Find your deductible

And check for a sewer/water-backup endorsement if it's a backup.

If your insurer asks

Our documentation is detailed and thorough. You file with your insurer — we just make sure nothing's missing.

FAQ

Insurance process FAQ.

Do you contact my insurance company for me?
No — we prepare the documentation and the itemized estimate, but you file the claim and deal with your insurer directly. We're a restoration contractor, not a public adjuster; our job is to give you thorough, accurate paperwork so your claim is well supported.
What if my claim is denied or underpaid?
Keep all of our documentation — photos, moisture logs, and the itemized estimate. It gives you a detailed, professional record to discuss with your insurer or a public adjuster. We can't negotiate the claim for you, but our paperwork is built to back up the full scope of work.
24/7 Emergency

Not sure how to start a claim? Call us.

(650) 504-1987
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