FAQ

Often time it is a combination of both out of pock and insurance

It could be an opportunity to upgrade

There are industry standards and often times there are rules and regulation dictate the restoration.  But at the end of the day regardless of insurance or out of pocket you have the right by  law to make the choices

Yes there is clean up, then restoration, but you can also decide to upgrade or expanded to something new.    There is no fast rule other than price

First, it’s important to understand what mold is not. It’s not something that can be completely removed from your living space because it’s part of nature. Mold is present everywhere, both indoors and outdoors, and can enter your home in many ways: through doors, windows, HVAC systems-even on your pet or your clothing. Once these microscopic spores are exposed to moisture, they thrive and can grow into a real problem in a few short days. You may start to notice a strong, musty odor, and that’s t

Water damage is usually caused by plumbing, such as a backup from a toilet, a flooded air-conditioning unit, or an overflowed washing machine and usually covered by Homeowners Insurance. Flood damage is usually caused by water originating from a natural disaster, hurricane, or heavy rain event you will need to contact your insurance agent for coverage questions.

Standard homeowners’ insurance policies typically do not include coverage for valuable jewelry, artwork, other collectibles, identity theft protection, or damage caused by an earthquake or a flood. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. 

Simply put, it covers the cost to repair damage done by a water leak you can't see within the walls, floors, ceilings, cabinets, beneath the floors or behind or under a home appliance where the real damage maybe. A homeowner’s policy normally doesn't protect you from many types of water damage — including hidden water leaks so let us help you with your insurance agent.

While mold and fungus are typically excluded from standard homeowner’s insurance policies, they are covered if they are the result of a covered incident.

Homeowners insurance may not cover all types of fire damage. For instance, if you intentionally start a fire in your home, you'll generally find homeowners insurance will not pay to repair the damage. Let us help you with your insurance policy.

Yes. Ultimately it will be a joint effort on your claim with the insurance company. In many cases we will be working with an insurance adjustor. It is common for the homeowner to secure a private adjustor to represent their interests as well as an insurance adjustor. We work with both on your behalf.