24/7 Emergency Response · Omaha & Lincoln, Nebraska
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Insurance claims
A property claim has its own language, paperwork and timeline. We handle the documentation and the adjuster conversations so you can focus on getting your home back.
How a claim works
Your policy expects you to prevent further damage. Call us for emergency mitigation; you do not need the adjuster's permission to stop a leak or tarp a roof.
Call your insurer or agent, get a claim number, and ask about your deductible and any coverage limits that apply.
Photos, moisture readings, an inventory of affected materials and contents, and a line-item estimate in the format carriers use.
We review the scope with your adjuster. If hidden damage turns up later, we submit a supplement before doing the added work.
Mitigation first, then reconstruction. You approve selections and we keep you updated on schedule.
Insurers typically pay in stages. You are responsible for your deductible and for any upgrades you choose beyond the covered scope.
This page is general information, not legal or insurance advice. Coverage is determined by your policy and your insurer. For questions about what your policy covers, talk to your agent.
FAQ
Yes. We work with all insurance carriers. You have the right to choose your own restoration contractor.
Only your insurer can decide coverage, and it depends on your policy and the cause of the loss. Sudden, accidental damage is commonly covered. Gradual leaks, groundwater flooding and sewer backup often depend on specific endorsements. We give your adjuster accurate documentation so the decision is based on the facts.
Typically your deductible, plus the cost of any upgrades or work outside the covered scope. We cannot waive or absorb deductibles.
Actual cash value pays what the damaged item was worth after depreciation. Replacement cost pays what it costs to replace it, usually with part of the money held back until the work is completed. Your declarations page shows which applies.
We work with self-pay customers too and will give you a clear scope and price before starting.
Looking for a specific service? See mitigation and emergency services or reconstruction.
From the blog
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Call any hour of the day or night and tell us what is happening at your property. We will take it from there.