Locally owned · Serving Denver & the Front Range
Written scope before work begins
Photo documentation at every step
Technically reviewed by an RGV Solutions restoration technician. Coverage and settlement decisions belong to you and your carrier, not to us.
Dealing with water damage is stressful enough without the added complexity of insurance claims. Understanding the claims process — and what your own policy actually says — helps you avoid the mistakes that cause good claims to be reduced or denied. Here's what the process looks like, and where the limits of a restoration company's role sit.
Not all water damage is covered by standard homeowners insurance. Generally, sudden and accidental water damage is covered, while gradual damage or lack of maintenance is not. Covered events typically include burst pipes, appliance malfunctions, roof leaks from storms, and accidental overflow. Excluded events usually include flooding from external sources, sewer backup (unless you have additional coverage), and damage from neglected maintenance.
Before water damage occurs, review your policy to understand:
Before moving anything, take extensive photos and videos:
Most policies require prompt notification—typically within 24-48 hours. Call your insurance company immediately to report the claim. They'll provide a claim number and explain next steps. Be prepared to describe what happened, when it occurred, and the extent of visible damage.
Your policy requires you to take reasonable steps to prevent additional damage. This includes stopping the water source, removing standing water if safe to do so, and moving valuables to dry areas. Save all receipts for emergency expenses—these may be reimbursable.
Your insurance company will assign an adjuster to inspect the damage and determine coverage. Be present during the inspection if possible. Walk through the property with the adjuster, pointing out all damage. Don't downplay the extent of damage—be thorough and accurate. Provide your documentation (photos, videos, receipts) and any estimates from restoration professionals.
A restoration company can usefully provide detailed documentation, an itemized estimate based on measured scope, photo records, and daily moisture readings. With your permission, those can go to your adjuster or their assigned contractor — that's normal practice across the industry, and it's what lets a claim be evaluated on the facts rather than on guesswork.
What a restoration company can't do: open a claim for you, decide whether your loss is covered, promise a settlement amount, or act as your representative with your carrier. We're also not an approved vendor, preferred contractor, or partner of any insurance company — working for customers who happen to carry a given carrier is not a partnership. If your carrier offers a contractor network, using an outside company may mean you're going outside it, and that's a decision for you and your adjuster.
On billing: ask your carrier how they handle payment before work starts, because arrangements vary by policy and carrier and we can't promise you a particular setup. Our page on how we document a loss walks through the whole sequence.
You can't control how a carrier decides your claim, but you can control how well it's documented:
If your claim is denied, the settlement seems too low, or the process becomes contentious, consider hiring a public adjuster or consulting with an attorney who specializes in insurance claims. These professionals work for you, not the insurance company, and can help ensure you receive the compensation you're entitled to under your policy.
We bill carriers directly and document the loss thoroughly — photos, moisture logs, and an itemized scope your adjuster can work from.