Should You Call Your Insurance Company or a Restoration Company First?

Navigating a water loss claim with your insurance adjuster can be overwhelming. Understanding water damage call insurance or restoration first ensures you receive complete coverage for structural drying, tear-out, and rebuild without unfair claim denials.

Sudden and Accidental vs. Gradual Leaks

Homeowners insurance policies cover 'sudden and accidental' water damage (such as a ruptured pipe, appliance hose failure, or storm roof puncture). However, policies strictly exclude 'gradual damage' occurring over months. Having professional moisture mapping logs taken on day one provides definitive proof of a sudden loss event.

Itemized Xactimate Invoicing & Direct Insurance Billing

Insurance carriers use standardized estimating software called Xactimate. Our certified network bills directly according to Xactimate unit pricing codes, providing before-and-after psychrometric moisture logs and thermal photos so adjusters approve full claims with zero friction.