Home Insurance Water Damage
Home insurance water damage is a two-part problem, the repair of the house and the record of what happened, and Insurance Restoration Company handles both so you are not managing them alone.
Fully licensed and insured
Monday to Sunday: Open 24 hours
The homeowner's position
Most homeowners have never filed a major claim. Within hours of a loss you may be reading unfamiliar policy terms, answering calls from an adjuster and arranging trades, all in a damaged house. It helps to have a company that keeps the physical work moving and the records orderly.
We cannot interpret your policy for you or tell you what it will pay. We can explain the restoration scope in plain terms and share documentation with your insurance adjuster. Whichever home insurance company you are with, we work with them and send the invoice directly, after completing the drying and repairs.
A typical sequence
- Report the lossContact your insurer and note the claim details.
- Call usWe attend, stop the spread and start mitigation.
- DocumentWe record the condition of the property before work.
- Review the scopeYou receive a written scope and price.
- RestoreDrying, cleanup and rebuild proceed with updates to you.
Sewer backups, burst pipes and appliance leaks
Common sources include a washing machine hose, a failed water heater, a frozen pipe or a sewer backup. Each leaves a different pattern of damage and may involve different water conditions. We assess the source, because it affects the cleaning method and the records the file needs.
Keeping your own notes
A short running log helps: who you spoke to at the insurer, on what date, and what was said. Keep copies of emails and photographs together in one folder. If a repair decision comes up, such as whether to replace or repair a floor, our written scope sets out what the work involves so you can discuss it with your adjuster on solid footing.
We never ask you to take a decision under time pressure without explaining what is involved first.
Questions to ask your insurer
Ask what the insurer expects you to do right now, what kinds of water damage your policy addresses, whether there is a deductible that applies to this type of loss and what documents it needs. Ask how emergency costs such as hotel stays and meals are handled and whether you should keep receipts. Ask who the adjuster is and how to reach them. Write the answers down with the date. If something is unclear, ask for it in writing.
Staying in the home during repairs
Whether you can stay depends on the extent of the damage, the type of water and whether power, heat and washrooms are working. We tell you what the work involves, which rooms will be sealed and what the noise and equipment will be like. If you need to stay elsewhere, ask your insurer what costs it will consider, and keep every receipt.
Home insurance questions
Do you replace flooring and drywall?
Yes. Our team rebuilds what was removed during restoration.
Can I get an estimate before I decide?
Yes. The assessment is free of charge, and you receive the scope and price in writing so that you can read it before you decide.
Reviews from the team behind Insurance Restoration Company
Insurance Restoration Company is operated by FirstLine Restoration. These reviews were left on Google for FirstLine Restoration, the team that does our work.
“Our home suffered a flood in our upstairs bathroom that travelled throughout the home. Firstline showed up quickly and shut off the flood source. After that, they completed the whole reconstruction process and handled all insurance interactions.”
“Our house flooded, and Firstline came out fast. They were easy to work with, helped deal with insurance, and got everything restored. Really appreciate how smooth they made a stressful situation.”
Request a quote
Tell us what you need and we will get back to you. In a hurry? Calling is fastest.