When you file an insurance claim for storm damage, water damage, or fire damage, your insurance company may recommend a contractor from their “preferred vendor” or “managed repair” network. Names like Servpro, Paul Davis, and ServiceMaster often come up. These are large franchise operations with nationwide footprints and long-standing relationships with insurance carriers. But you’re […]
Your insurance adjuster inspected the damage, wrote an estimate, and your insurance company sent a check. But when your contractor starts the repair work, they discover additional damage that wasn’t in the original estimate — water damage behind the walls, compromised roof decking hidden under the shingles, or code upgrades required by current building standards.
What Is an Insurance Supplement and Why Your Contractor Should File One Read More »
When water damages your home — whether from a burst pipe, storm intrusion, or appliance failure — you’ll hear two terms thrown around: water mitigation and water restoration. They sound similar, and many people use them interchangeably. But they’re actually two distinct phases of the recovery process, and understanding the difference matters for your insurance
Water Mitigation vs Water Restoration: What’s the Difference? Read More »
You filed your insurance claim, the adjuster approved the repairs, and you received a check — but it’s for less than the full estimate. What happened? In most cases, your insurance company withheld the recoverable depreciation, and that missing money is yours to claim once the repairs are complete. Recoverable depreciation is one of the
What Is Recoverable Depreciation on an Insurance Claim? Read More »
When you’re dealing with significant property damage — a storm tears off your roof, a pipe floods your basement, a fire damages your kitchen — you’ll quickly encounter two types of professionals who can help with the insurance side: public adjusters and restoration contractors. Both work on your behalf, but they do very different things.
Public Adjuster vs Restoration Contractor: Which Do You Need? Read More »
After you file an insurance claim for storm damage, water damage, or fire damage, your insurance adjuster will produce an estimate using a software program called Xactimate. This estimate determines how much your insurance company will pay for repairs — and understanding it is one of the most important things you can do to protect
How to Read an Xactimate Estimate: A Homeowner’s Guide Read More »
When a storm tears off part of your roof, a pipe bursts and floods your kitchen, or a fire damages your home, you hear the same advice from everyone: “Call a restoration contractor.” But what exactly does a restoration contractor do? And how are they different from a regular contractor or handyman? If you’re dealing
Yes — absolutely. In Washington State, you have the legal right to choose any licensed contractor to perform your insurance restoration work. Your insurance company cannot force you to use a specific contractor, and they cannot deny or reduce your claim based on your contractor choice. This is one of the most important rights homeowners
Can I Choose My Own Contractor for an Insurance Claim? Read More »
Your roof took a hit during the last storm. Maybe you can see missing shingles from the ground, or maybe your neighbor’s tree left a branch-shaped dent in your ridge cap. Either way, you need repairs — and your homeowners insurance should cover it. But filing a roof insurance claim in Washington State isn’t as
How to File a Roof Insurance Claim in Washington State Read More »
If a Pacific Northwest storm just ripped through your neighborhood and you’re staring at a damaged roof, torn siding, or a flooded basement, the first question on your mind is probably: will my insurance pay for this? The short answer for most King County homeowners is yes — standard homeowners insurance policies cover sudden storm
Does Homeowners Insurance Cover Storm Damage? A King County Guide Read More »
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