01
Hour-one photos
Affected rooms, contents, and the source before demolition so the adjuster is not reconstructing the loss from memory.
The claim file
A file the claim can use.
Photos, moisture readings, and a written scope so you are not reconstructing the loss from memory a week later.
Independent shop. Professional with carriers.
We photograph, map moisture, and write the scope. Coverage is still the carrier’s call. You are not reconstructing a story from memory because we already wrote it down.
- Hour-one photosRooms, contents, and the source before demo.
- Moisture mapReadings through drying so the file shows dry.
- Written scopeMitigation and rebuild in claim language. You get the same document.
Carriers we document for
A few we see often — not a closed list.
See more carriersShow fewer
- Farmers
- Liberty Mutual
- Nationwide
- American Family
- Erie
- The Hartford
- Auto-Owners
- Progressive
- Amica
- Cincinnati
- Hanover
- Safeco
And others on the policy. If the carrier is not in this list, we still build the file.
Request a callback
Get a crew moving.
A real technician from this shop answers. Not a bot. Not an outsourced call center.
How the file is built
Four pieces. In order.
02
Moisture map
Readings through drying. The file shows dry — it does not just say dry.
03
Written scope
Mitigation and rebuild items in language the claim can use. You get the same document.
04
You are the client
We are not an insurer program shop. We document what the house needs, not what a network prefers.
Questions
Claims, answered.
Will homeowners insurance cover water damage?
Most policies cover sudden and accidental water — burst pipes, appliance failures. They typically exclude gradual damage, outside flooding, and neglected maintenance. Read your policy; we document either way.
Do you work with insurance companies?
Yes. We work with carriers and adjusters and provide documentation. We do not represent the insurance company.
Are you part of an insurance program?
No. Independent Chicago shop. Flexible, transparent, homeowner-first — while still professional with carriers.
Should I call insurance or you first?
Call us first in an emergency. Mitigation is what carriers want to see. Notify the carrier within 24–48 hours or as your policy requires.
What documentation do you provide?
Initial photos, moisture maps and readings, daily drying logs, before/after photos, written scope, and itemized estimates formatted for claims.
Will you deal with my adjuster?
Yes. Direct communication, on-site inspections when needed, and you still hear what is happening.
Do I have to pay out of pocket?
Depends on policy, deductible, and coverage. For covered losses you typically pay the deductible. We work the numbers as scope becomes clear.