Claim
We Help You Navigate the Insurance Process with Confidence
Dealing with property damage is stressful—handling insurance claims shouldn’t make it worse. At American Fire and Flood, we offer expert insurance claim support for water, fire, mold, storm, and sewage damage restoration. Our team works directly with your insurance provider to document the loss, prepare estimates, and ensure your claim is processed accurately and efficiently.
We take the guesswork out of the claims process so you can focus on restoring your property.
Process
How We Support You During the Insurance Claim Process
At American Fire and Flood, we provide comprehensive fire damage restoration services to help you recover quickly and safely. Our certified restoration experts are available 24/7 to assess the damage, remove debris, clean affected areas, and fully restore your home or business to pre-loss condition.
Damage Assessment and Documentation
We perform a full property inspection and provide detailed documentation, including photos, moisture readings, and written reports that meet insurance requirements.
Direct Communication With Insurance Companies
We work directly with your insurance adjuster to provide all required details, updates, and documentation for faster claim approval.
Accurate Restoration Estimates
Our estimates are generated using industry-standard tools like Xactimate, ensuring transparency and accuracy for all cleanup, repair, and reconstruction work.
Policy Review and Coverage Guidance
Insurance language can be complex. We help you understand what your policy covers and advocate for a fair settlement that includes everything needed to restore your home or business.
Fast, Professional Restoration Once Approved
Once your claim is approved, we begin restoration immediately to prevent further damage, such as mold growth or structural deterioration.
Damage
Commonly Covered Property Damage
Most standard homeowner and business insurance policies typically cover:
From plumbing failures, burst pipes, and appliance leaks
Fire and Smoke Damage
Including cleanup, odor removal, and structural repairs
Storm and Wind Damage
Roof leaks, flooding, and damage from high winds
Mold Remediation
if resulting from a covered water loss
Sewage
Backup
Often covered with policy endorsements or add-ons
Not sure if your damage is covered? We’ll review your policy and walk you through your options.
Questions
Frequently Asked Questions
Common Questions About Insurance Claim
How long does it take to process an insurance claim?
It depends on your provider and the extent of the damage. We submit all required documentation promptly to help speed up approval.
Will I have out-of-pocket costs?
You may be responsible for your deductible and any uncovered items. We help maximize your claim to minimize your out-of-pocket expenses.
Can restoration start before insurance approval?
Yes. Most policies require immediate mitigation to prevent further damage. We begin emergency services right away and document all work.
Do I have to use the contractor recommended by my insurance?
No. You have the legal right to choose your restoration company. American Fire and Flood is fully qualified and ready to serve you