Water, mold and fire insurance claims, explained

No. Your policy generally lets you choose your own restoration company; check your policy or ask your agent. We work with all major insurance companies and bill them directly whenever your policy and claim allow it, so working with us does not typically change how the claim itself is handled.

It means our team will explain, on the phone with your policy and claim details in hand, how this month's offer can apply to your specific situation. Because every policy is different, we do not describe it the same way for every homeowner until we have looked at yours.

It is not always required, but being present, or having us present, lets someone point out damage the adjuster might otherwise miss, such as moisture inside a wall cavity or under flooring. If you cannot be there, ask whether we can meet the adjuster on your behalf.

We work with all major insurance companies serving Nevada homeowners and businesses. Call us with your carrier's name and we can tell you what to expect from our side of the process.

In most cases, a sudden pipe burst is treated as sudden and accidental damage and is commonly covered, subject to your specific policy's terms and deductible. Read your policy or ask your agent to confirm how your policy treats it.

It depends on where the damage occurred and what the association's governing documents and master policy say, since common areas and unit interiors are often covered by different policies. We document the damage by location so the board, the manager and each insurer have what they need to sort out responsibility.