Frequently Asked Questions

No, you’re not required to file an insurance claim. Many restoration projects are financed through a combination of out-of-pocket expenses and insurance. We can work with you to find the best payment option, and in some cases, it could be an opportunity to upgrade materials or layouts.

Yes, whether paying out-of-pocket or using insurance, you have the legal right to choose your materials. We follow industry standards and regulations, but the final decision on materials is always yours.

Absolutely! After damage cleanup and repairs, many homeowners choose to upgrade or renovate their spaces. There’s no rule that everything must be restored exactly as it was. If you’ve been considering improvements, we’ll help design and build a new vision for your home.

Mold is a naturally occurring organism found both indoors and outdoors. When mold spores encounter moisture, they can grow rapidly and pose serious health risks. Mold is particularly problematic in humid areas like Florida. If you notice a musty odor or suspect mold, contact us for a professional inspection and remediation plan.

Water damage is typically caused by plumbing issues such as leaks from toilets, broken appliances, or an AC unit. This type of damage is usually covered by homeowners’ insurance. Flood damage, on the other hand, originates from natural events like hurricanes or heavy rainfall and typically requires separate flood insurance. Always check with your insurance agent to confirm your coverage.

In Florida, homeowners often require separate policies for homeowners insurance, flood insurance, and windstorm coverage. Each policy covers different types of damage, so it’s important to review your policies and understand your coverage. We’re here to help you navigate the complexities of these policies and assist in the claims process.

Standard homeowners insurance typically does not cover:

• Valuable jewelry, collectibles, or fine art
• Identity theft
• Floods or earthquakes
• Termite or pest damage
• General wear and tear
• Mold damage (unless caused by a covered incident)

Maybe. It depends on your policy. Sudden, accidental leaks that cause visible damage are usually covered. However, slow or hidden leaks, such as those behind cabinets or under floors, may not be covered. We can help you document the damage and communicate with your insurance agent.

It depends. Mold is often excluded from coverage unless it’s caused by a covered event (such as storm damage). Let us evaluate the situation and help you determine the next steps for your claim.

Not always. Most accidental fire damage is covered by homeowners’ insurance, but damage caused by intentional acts or neglect is typically not covered. We’ll review your policy and work with your adjuster to ensure clarity on your coverage.

Yes! We regularly work with both insurance adjusters and private adjusters to ensure a smooth claims process for our clients. Our goal is to simplify the often complex insurance claims process and act as your advocate every step of the way. We’ll guide you through the process and ensure you are supported from start to finish.