Most homeowners have never filed a major property damage claim. The process can feel overwhelming — especially when you're already dealing with the stress of damage to your home.
Here's how it typically works:
1. File your claim promptly. Contact your insurance company as soon as possible after a loss. Delays can complicate coverage.
2. Document everything. Photos, videos, receipts for damaged items — the more documentation, the better. A good restoration company will help with this.
3. The adjuster visits. An insurance adjuster will inspect the damage and prepare an estimate using industry-standard software (usually Xactimate).
4. Review the scope. Make sure the adjuster's scope includes everything. If items are missed, you or your contractor can supplement the claim.
5. Work begins. Once there's an agreed scope, restoration and repairs can begin. Some policies require using approved contractors.
6. Final payment. After work is complete and verified, the final payment (minus your deductible) is issued.
A reputable restoration company works directly with adjusters, provides documentation in the format carriers require, and advocates for a fair settlement on your behalf.
Restoration Team
IICRC Certified Restoration Specialists
Our restoration team brings decades of combined field experience to every article. We write about what we see on the job — not theory, but the realities of property damage and recovery in North Central Florida.