We use Xactimate, the same industry-standard estimating software used by insurance companies to ensure transparent, accurate pricing based on region and current materials/labor rates.
We are certified by the IICRC (Institute of Inspection Cleaning and Restoration Certification) — the gold standard in water, fire, mold, and biohazard cleanup and structural restoration training.
We handle everything — from emergency mitigation to full structural repairs and rebuilding, all in-house.
No, but we do recommend being available for key approvals or walkthroughs. We keep you updated every step of the way.
We work with all major insurance carriers. Below are direct claim lines and emails for common providers:
State Farm: 800-732-5246 | claims@statefarm.com
Allstate: 800-255-7828 | claims@allstate.com
Farmers Insurance: 800-435-7764 | reportclaim@farmers.com
Liberty Mutual: 800-225-2467 | claims@libertymutual.com
Nationwide: 800-421-3535 | fileaclaim@nationwide.com
USAA: 800-531-8722 | claims@usaa.com
A Proof of Loss is a sworn statement of the amount of your claim. We'll help you complete and submit this document to your insurer accurately and on time to avoid delays.
Yes. We’ll help document your damaged personal property using our standardized Content Inventory Form, which ensures your claim includes detailed descriptions and values for lost or damaged items.
No. In most cases, your insurance company only requires a licensed contractor’s estimate using Xactimate. We’ll handle this directly.
No. In most cases, your insurance company only requires a licensed contractor’s estimate using Xactimate. We’ll handle this directly.
No. In most cases, your insurance company only requires a licensed contractor’s estimate using Xactimate. We’ll handle this directly.
Most policies do not cover damage due to long-term rot, wear, or neglect. However, if the rot was caused by a covered event (like a sudden water leak), some or all may be included.
Yes — hail damage is typically covered under standard homeowners policies. We can assist with roof inspections, documentation, and claim support.
Waiting too long to file or report damage
Throwing away damaged items without documentation
Attempting DIY cleanup, which can void parts of your claim
Not reviewing policy limits or exclusions
Not working with a certified restoration contractor
Failing to document all conversations and approvals with their adjuster
We recommend calling us immediately after the incident. We can coordinate directly with your adjuster and be present during inspections to ensure nothing is overlooked.
No. You have the legal right to choose your own restoration contractor — even if the insurer recommends another company.
Yes. We work directly with your insurance provider and often wait on payment so you don’t have to pay upfront. They May and usually pay you directly and then you pay us.
If you have a mortgage, your insurance company may issue the claim check with both you and your mortgage lender listed as payees. This means you’ll likely need to:
Contact your mortgage company to start a "claims process" or "loss draft claim."
Endorse the check and send it to their claims department (they’ll provide instructions and required documents).
Submit contractor estimates, scopes of work, and a signed agreement (we can provide all of this for you).
Request disbursements in phases — often, the mortgage company will release funds in installments as work is completed and verified.
We help coordinate with your lender throughout the process to prevent delays and ensure they release funds as required.
What You’ll Need When Your Insurance Check Includes Your Mortgage Company
If your insurance check is made payable to both you and your mortgage lender, here’s what you’ll likely need to provide to get your funds released. Fire-Water-Mold Mitigation Services can help guide you through each step.
Insurance Claim Check (original or copy)
Claim Summary / Scope of Loss from your insurance company
Signed Repair Contract with Fire-Water-Mold Mitigation Services
Contractor’s License and W-9 (we provide this for you)
Photos of the Damage (before mitigation)
Photos of Work in Progress (for disbursement stages)
Proof of Property Insurance
Photo ID matching the property owner(s)
Completed Mortgage Company Claim Packet (provided by your lender)
Contact your lender’s loss draft department as soon as you receive the check.
Ask for their specific documentation checklist — each lender is slightly different.
Mail or upload required documents — some may offer online portals.
Request draw inspections as needed — lenders often release funds in stages:
Initial disbursement
Midpoint inspection
Final inspection and payout
Fire-Water-Mold Mitigation Services has experience working with lenders on your behalf. We’ll provide the documents, photos, and progress updates they need — so your funding stays on schedule.
Insurance Proceeds + Deductible — No Surprise Charges
How much does restoration cost?
The cost of restoration depends on the scope of damage, materials, labor, and the insurance company’s estimate — which we generate using Xactimate, the same software used by adjusters. We provide a detailed scope of work that aligns with your policy limits and the damage sustained.
How do deductibles work in an insurance claim?
Your deductible is the portion of the repair costs that you're responsible for paying out-of-pocket. It’s a fixed amount stated in your policy — typically between $500 and $2,500 for most homes.
How does Fire-Water-Mold Mitigation Services handle billing?
We work on a “Insurance Proceeds + Deductible” model. That means:
You only pay your deductible
We bill the insurance company directly for the approved scope of work
No additional or hidden charges outside of what your insurance approves, unless you request upgrades or additional work beyond the scope
Can I waive my deductible?
No. Waiving a deductible is considered insurance fraud in most states and can void your claim. We strictly follow all state and insurance regulations to protect you and your claim.
