Person Holding Home Insurance Form


Dealing with a disaster like flooding or fire damage can be a stressful and overwhelming experience. However, when you have the right insurance coverage in place, it can significantly ease the burden of recovery. In this guide, we will walk you through the process of getting your insurance claims approved for disaster restoration, assuming that your trusted restoration company has already begun the mitigation process.


Understand Your Insurance Policy:

The first step in getting your insurance claims approved is to thoroughly understand your insurance policy. Take the time to review your policy documents and make sure you are aware of the coverage limits, deductibles, and any exclusions that may apply to your situation. Knowing your policy inside and out will help you navigate the claims process more effectively.


Notify Your Insurance Company:

As soon as disaster strikes and your restoration company is on the scene, contact your insurance company to report the incident. Many insurance policies require prompt notification of losses, so don’t delay. Provide them with all the necessary details, such as the date and cause of the damage and the current status of the restoration process.


Document the Damage:

Thorough documentation is crucial when it comes to insurance claims. Take clear photographs and videos of the damage to your property before any restoration work begins. This visual evidence will help support your claim and provide a clear picture of the extent of the damage. Additionally, keep a detailed inventory of damaged items, including their approximate value.


Work with Your Restoration Company:

Collaboration between you, your restoration company, and your insurance adjuster is essential. Your restoration professionals can provide valuable documentation and evidence of the work being done. They can also communicate directly with the insurance adjuster to ensure that all necessary information is shared.


Get Estimates and Quotes:

Your restoration company can provide you with detailed estimates and quotes for the repair and restoration work. These documents will be important when negotiating with your insurance company. Make sure the estimates are comprehensive and cover all necessary repairs and replacements.


Communicate Effectively:

When communicating with your insurance company, be clear, concise, and honest about the extent of the damage and your restoration needs. Provide all requested documentation promptly and keep records of all communication, including emails and phone calls. If you have questions or concerns, don’t hesitate to ask your insurance adjuster for clarification.


Review and Understand the Settlement:

Once your insurance company processes your claim, carefully review the settlement offer. Ensure that it covers all necessary repairs and replacements and that you are satisfied with the proposed resolution. If you have any disagreements, discuss them with your insurance adjuster and provide additional documentation if needed.


Appeal if Necessary:

If your insurance claim is denied or you are not satisfied with the settlement, you have the option to appeal the decision. Consult with your restoration company and consider seeking legal advice if the situation warrants it. Appeals can sometimes lead to a more favorable outcome.



Recovering from disasters like flooding or fire damage can be challenging, but having the right insurance coverage and knowing how to navigate the claims process can make a significant difference. By understanding your policy, documenting the damage, and effectively communicating with your insurance company, you can increase your chances of getting your insurance claims approved and expedite the restoration of your home. Remember, your trusted restoration company is there to assist you throughout the process, so don’t hesitate to lean on their expertise.