Insurance & Billing
We Handle Your Insurance Claim
Dealing with property damage is stressful enough. We're a preferred vendor with major carriers, bill directly, and manage all adjuster communication — so you can focus on your family, not the paperwork.
Simple Process
How Direct Billing Works
Four steps. One call. We handle the rest.
Call Us First
Contact our emergency line. We respond immediately and begin mitigation — you don't need to wait for insurance approval to get started.
We Document Everything
Our team photographs, measures, and documents all damage using Xactimate — the industry-standard software insurers require.
We Handle Your Adjuster
We communicate directly with your insurance company and adjuster on your behalf, so you're not stuck playing phone tag.
You Pay Your Deductible
We bill your insurance carrier directly. You pay only your deductible — no surprise invoices, no out-of-pocket costs beyond that.
Why Carriers Trust Us
Built for the Insurance Process
Preferred Vendor
Recognized by multiple major carriers
Xactimate Certified
Industry-standard estimating software
Fully Licensed & Insured
General liability & workers' comp
Direct Billing
We bill your carrier — you pay your deductible
Adjuster Coordination
We handle all insurer communication
Supplement Support
We fight underpaid claims on your behalf
What We Handle For You
- Direct billing to all major carriers
- Xactimate-standard damage estimates
- Full photo & written documentation
- Adjuster communication handled for you
- Supplement support if claim is underpaid
- Preferred vendor status with multiple carriers
- Scope of work aligned with insurance standards
- No hidden fees or surprise invoices
Carriers We Work With
We work with all major insurance carriers. Don't see yours? Call us — we almost certainly work with them.
Preferred Vendor Status
We've earned preferred vendor status with multiple carriers — meaning faster approvals, smoother claims, and a track record insurers trust.
Common Questions
Insurance FAQ
Do I need to call my insurance company before calling you?
No — call us first. We respond immediately to stop further damage, which is actually what your policy requires. We'll help you notify your carrier and open the claim.
Will filing a claim raise my rates?
That depends on your policy and carrier. We can't advise on your specific policy, but we're happy to walk you through what the claim process looks like so you can make an informed decision.
What if my insurance company sends their own adjuster?
That's completely normal. We work alongside insurance adjusters regularly and our documentation is prepared to meet their standards. We'll be on-site to walk them through the damage.
What if the insurance payout doesn't cover everything?
We'll advocate for you. If we believe the initial estimate is insufficient, we prepare and submit a supplement to your carrier with additional documentation to support the full scope of work.
Do you work with all insurance companies?
Yes. We work with all major carriers and many regional insurers. We hold preferred vendor status with several carriers, which means faster approvals and smoother claims for our customers.