How to File a Restoration Insurance Claim

Filing an insurance claim after property damage can feel overwhelming, especially when you're dealing with the stress of a water damage, fire, or mold emergency. This guide walks you through the process to help you get the coverage you deserve.

Before You File

• • Document all damage immediately with photos and video
• • Take steps to prevent further damage (this is required by most policies)
• • Keep receipts for any emergency expenses
• • Don't throw anything away until the adjuster has inspected

Step-by-Step Filing Process

1. Contact your insurance company within 24 hours of the incident
2. Provide your policy number, date and cause of damage, and initial photos
3. An adjuster will be assigned to inspect the damage
4. Your restoration company provides a detailed scope and estimate
5. The adjuster reviews and approves the scope of work
6. Restoration begins with direct billing to your insurance carrier

Common Mistakes to Avoid

• • Waiting too long to report the damage
• • Not taking enough documentation photos
• • Making permanent repairs before the adjuster visits
• • Accepting the first settlement offer without review

How Drip Restoration Helps

We work directly with all major insurance carriers and handle the documentation, communication, and billing on your behalf. Our detailed scopes and moisture documentation meet insurance industry standards, helping ensure your claim is approved promptly and fairly.