Your restoration claim, billed to your carrier — not to you.
Filing a restoration claim is a full-time job. Documentation, adjusters, supplements, release forms. We've been doing it for 25 years — we'll do it for you at no added cost.
How our claims process works — plain English.
You call us
Dispatcher confirms address, loss type, and whether you've filed with your carrier yet. If you haven't, we can guide you through the first call before crews arrive.
On-site documentation
Full photo and moisture documentation. We write the scope in Xactimate format so your adjuster can compare line-by-line to their estimate.
Direction of Payment
You sign one form authorizing the carrier to pay us directly. You pay only your deductible. We take on the billing risk — not you.
Adjuster coordination
We meet the adjuster on-site, walk the scope, negotiate supplements when initial estimates are short, and push the claim to approval.
Work & close-out
Mitigation, rebuild, final walkthrough. We invoice the carrier, submit all certifications of completion, and close the claim clean.
You only pay the deductible
That's it. No up-front charges. No surprise invoices. If the claim is denied for reasons beyond our control, we'll tell you before starting non-emergency work.
Every major Florida carrier — and most regional ones.
We bill directly to every admitted Florida carrier and most surplus lines. Common carriers include State Farm, Allstate, Citizens, Progressive, Tower Hill, Heritage, Universal, USAA, Liberty Mutual, Farmers, Nationwide, and Travelers — plus private condo master policies and commercial carriers.
If you're with a carrier we haven't directly billed before, we'll still handle the paperwork — carriers treat first-time contractors the same as repeat ones as long as licensing and documentation check out.
- Xactimate line-item estimates (the language carriers speak)
- Supplemental claims when initial scope is under-written
- Public adjuster coordination when you've already hired one
- Appraisal process support if your claim is stuck
The things most contractors won't tell you
For active emergencies (water spraying, fire damage, storm hits), call us first. We stop damage immediately and document for the claim you'll file. For non-emergency items (slow leaks, gradual issues), it depends on your deductible and potential scope — we'll help you decide whether filing makes financial sense.
In Florida, most carriers surcharge for multiple claims in a short period, and some will non-renew after two claims. A single isolated claim usually does not raise rates substantially — but we always recommend checking your specific policy. We're contractors, not insurance agents; your agent is the right source for premium questions.
We document every loss to carrier standards from day one, so if a denial comes, the documentation supports appeal. We don't represent you legally or file lawsuits — but we coordinate with public adjusters or attorneys if the situation calls for it.
Florida law (SB 76) severely restricts AOB for residential property claims. We don't use AOB. Instead, we operate under a Direction of Payment — you remain the policyholder and payee of record; the carrier just pays us directly from the funds owed to you. It's simpler, legally compliant, and transparent.
Your deductible — and only your deductible — for covered claims. The claims help itself is included. We make our money on the work, not the paperwork.
Ready to hand off the paperwork?
Tell us about your loss — we'll tell you whether a claim makes sense and, if yes, handle it from here.