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Insurance Restoration, Done Right

Your policy is a promise. Documentation is what gets it honored. We build the claim file — photos, measurements, moisture logs, and carrier-standard estimates — while restoring your property.

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The Claims Process

How a Property Claim Actually Works

Loss & Mitigation

Damage happens. Your policy requires you to prevent further damage — that’s emergency mitigation, and it’s generally covered. We document everything from the first hour.

Claim Filed

You (the policyholder) report the loss to your carrier and receive a claim number. We can provide the damage summary and photos that make this call easy.

Adjuster Inspection

Your carrier assigns an adjuster. We meet them at the property, walk the damage together, and make sure nothing documented gets overlooked.

Scope & Estimate

We prepare a line-item estimate in industry-standard claim format, including code-required items, and reconcile differences with the adjuster’s scope.

Approval & Work

Once scope is agreed, restoration proceeds on a written schedule. If hidden damage appears mid-project, we document and submit supplements.

Completion & Depreciation

On completion we provide the certificate and final invoice your carrier needs to release recoverable depreciation, closing the claim cleanly.

For Property Owners

What We Do for You

Free damage inspection with complete photo documentation
Emergency mitigation reported to your carrier promptly and properly
On-site adjuster meetings — we speak the language
Line-item estimates including code upgrades your policy may cover
Supplement preparation when hidden damage is uncovered
One company from mitigation through rebuild — one organized claim file

What we don’t do: we don’t inflate scopes, we don’t “waive” deductibles, and we don’t promise claim outcomes. Coverage decisions belong to your carrier under your policy — our job is to make sure those decisions are made with complete, accurate information.

For Adjusters & Carriers

A Contractor Who Makes Files Easy

Estimates in industry-standard formats with photo linkage
Daily moisture and equipment logs on mitigation losses
Clear scope narratives and supplement justification
Responsive single point of contact per claim
Large-loss capacity with dedicated supervision and reporting

Working a loss where Anderson is the contractor of record? Reach our claims coordination team at 1-800-400-ROOF or through the contact page.

Claim FAQs

Common Insurance Questions

Is emergency mitigation covered by insurance?

Generally yes — most property policies require you to take reasonable steps to prevent further damage, and cover the cost of doing so. Every policy differs, which is why we document mitigation thoroughly and can report it to your carrier immediately.

Do I have to use the contractor my insurance company suggests?

In most states, no — the choice of contractor belongs to you, the property owner. Carrier “preferred vendor” programs are optional. Choose the contractor you trust to document and restore your property properly.

What's a supplement?

A supplement is a documented request to add items to the approved scope — usually because hidden damage was found once work opened up walls or roofing. Supplements are normal on real losses; the key is documenting them properly so approval is straightforward.

What is recoverable depreciation?

Many policies initially pay actual cash value (replacement cost minus depreciation), then release the depreciation once repairs are completed and invoiced. We provide the completion documents your carrier needs so you receive the full amount you’re owed.

My claim was underpaid or denied. Can you help?

We can re-inspect, document what the original scope missed, and provide a corrected estimate for your carrier to review. For coverage disputes beyond scope documentation, we’ll tell you honestly when the right next step is a licensed public adjuster or an attorney rather than a contractor.

Dealing With a Claim Right Now?

Start with a documented inspection — free for residential properties, fast for commercial losses.

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