No, insurance laws in nearly every state give you the right to choose your own contractor. Insurance companies may recommend their "preferred vendors," but they cannot require you to use them. These vendors often offer discounts to the insurance company that can compromise your restoration quality. We work with all insurance carriers nationwide as your chosen contractor.

We handle second home claims regularly. Our national network means we can assess damage and begin mitigation immediately, even if you're in another state. We coordinate with local adjusters, handle remote authorizations via digital signatures, and provide regular updates through our client portal. Many insurers have different requirements for secondary properties, which we understand and accommodate.

Denials and underpayments are common, especially with complex claims. We review denied claims at no cost to identify errors or missing information. Common issues include: insufficient damage documentation, missed code upgrade requirements, or improper cause attribution. Our nationwide experience means we understand different carriers' denial patterns and know how to effectively appeal decisions.

Yes. National Flood Insurance Program (NFIP) claims have completely different rules than standard homeowner policies. We're experienced with NFIP requirements nationwide, including specific documentation needs, coverage limits, and the strict 60-day "Proof of Loss" filing requirement. This expertise is crucial since NFIP claims follow federal guidelines rather than state insurance regulations.

We use Xactimate with localized pricing databases that account for regional labor and material costs. A square foot of drywall in New York City costs significantly more than in rural Kansas, and insurance companies expect estimates to reflect these differences. Our national experience ensures estimates are accurate for your specific location, preventing delays from pricing disputes with adjusters.

ACV (Actual Cash Value) pays for the depreciated value of damaged items based on age and condition. RCV (Replacement Cost Value) pays what it costs to replace them new at current prices. Most policies start with ACV payments, then release the "recoverable depreciation" once work is complete and receipts are submitted. We ensure you receive full RCV by providing complete documentation that satisfies carrier requirements.

Complex claims involving multiple policies (homeowner's, flood, wind/hail endorsements) require careful coordination. We determine which policy is primary, what each covers, and ensure claims are filed correctly to maximize total recovery. This is common with hurricane damage where wind and flood damage may be covered by different policies with different deductibles and limits.

Yes, we handle commercial claims nationwide. Commercial policies are more complex, often involving business interruption coverage, specialized equipment valuations, and different documentation requirements. Our experience includes retail spaces, offices, multi-family properties, and industrial facilities across the country, each with unique insurance considerations.