Locally owned · Serving Denver & the Front Range
Written scope before work begins
Photo documentation at every step
Documentation & Claims
We're a restoration company, not a public adjuster and not your insurance carrier. What we can do is record the damage thoroughly, explain what we find, and give your adjuster a clear picture. What we can't do is decide whether your policy covers it.
Said plainly, up front
Coverage depends entirely on your individual policy and carrier. We can't promise a claim will be approved, that damage will be covered, or any particular settlement amount. We're also not affiliated with, endorsed by, or partnered with any insurance company — working with customers who carry a given carrier is not a partnership.
01 — Before We Arrive
Do this only if it's safe. No photo is worth stepping into standing water with the power on.
Safety first
If water is near outlets, appliances, or a panel, don't wade in. Shut off power at the breaker only if you can reach it while dry. Get out and call.
Wide shots before close-ups
Start from the doorway so each close-up has context. Adjusters need to see which room and which wall a detail belongs to.
Show scale
Put something of known size next to a water line on a wall or the depth of water on a floor. The high-water mark is worth a photo before anything gets moved.
Affected contents, as found
Photograph damaged furniture, rugs, and electronics where they sit — before you move them to a dry area. Don't throw anything out until your carrier says you can.
A simple written timeline
When you noticed it, what you did first, and when you called. Claims questions often hinge on "sudden and accidental" vs. long-term — a timeline helps establish which it was.
Weather or event context
For a freeze, note the dates of the cold snap. For a storm, keep the date and any photos of the exterior. It ties the interior loss to a specific event.
Anything you had to spend
Fans, a dehumidifier, a hotel night, a plumber's emergency visit. Keep receipts. Whether those are reimbursable is your carrier's call, not ours.
One thing people forget: back up the photos somewhere off your phone — email them to yourself or upload to cloud storage. We've seen homeowners lose their only documentation to the same water that caused the loss.
02 & 03 — Our Documentation
Documentation is the part of the job customers never see and adjusters care about most. Here's what ours actually contains — and if you want to understand what drives the numbers in that estimate, see water damage restoration cost.
On drying standards: we dry to a documented dry standard based on material type — not to a fixed number of days. Some materials reach dry standard in three days; plaster, dense subfloor, and saturated framing can take considerably longer. Stopping early to save days is how mold problems start.
04 — Working With Adjusters
Many homeowners have never filed a property claim before. Here's how the back-and-forth usually works, and where we sit in it.
Not a partnership
We're not an approved vendor, preferred contractor, or partner of any carrier. If your insurer has a network of contractors, using us may mean you're going outside it — and that's a decision for you to make with your adjuster, not something we can override.
You open the claim
You report it to your carrier and get a claim number. We can't open, file, or authorize a claim on your behalf — it has to come from you as the policyholder.
We document while we work
Emergency work often can't wait for an adjuster to visit. We take photos and readings before anything is removed, so the condition of the property is recorded even if mitigation starts first.
Your adjuster reviews the damage
The adjuster inspects, considers your policy's terms and deductible, and decides what's covered. We can be present for that inspection if you'd like and answer technical questions about what we found.
We share our scope and records
With your permission, we'll send our itemized estimate, moisture logs, and photos to your adjuster or their assigned contractor. If they ask for clarification on a line item, we'll explain our reasoning.
Coverage is confirmed — by your carrier
Sometimes an adjuster requests a revised scope or additional documentation before approving. We'll revise and resend what we can. We can't compel an approval, and we won't tell you a claim "should" be covered.
If you disagree with a decision: that's between you and your carrier. Your policy documents explain the appeal or appraisal process. If you want independent representation, a licensed public adjuster works for you — not for us and not for the insurer.
05 — What Stays Yours
We'll help with paperwork and answer questions all day. But a few things are yours alone, and it would be wrong for us to blur that.
Reading your policy
What's covered, what's excluded, and what your deductible is. We don't interpret policy language for you.
Whether to file
Filing has consequences beyond this loss — claim history can affect future premiums. That's a personal financial decision.
Authorizing work
You approve the scope and the cost. We won't start non-emergency work without your signature.
Accepting a settlement
We can tell you what the scope of work costs us to perform. We can't advise you on whether an offer from your carrier is fair.
Our article on navigating insurance claims after water damage walks through a claim step by step, including what typically isn't covered and where homeowners get stuck.
Call and describe what happened. We'll tell you what we'd record and what the first step looks like — no obligation.