HOME / INSURANCE CLAIMS

Direct billing · Xactimate fluent

We work for you — and we speak fluent insurance.

We document everything your adjuster needs and bill your insurance company directly. Photos, moisture logs, drying records, Xactimate scope: the complete record your adjuster needs to review the loss.

(516) 717-9616

Insurance questions answered on every call

The process

Four steps, from first call to final invoice.

"In New York, YOU choose your restoration contractor. Not your carrier. It's your legal right — and it matters, because 'preferred vendors' answer to a volume agreement."— The one thing every homeowner should know before the adjuster arrives

STEP 01 You call us first

Before the adjuster, before anyone. Early documentation gives your adjuster a clear record of the damage, and your policy expects you to prevent further damage right away.

STEP 02 We document everything

Timestamped photos, moisture readings, drying logs, itemized Xactimate estimates — the exact format your carrier requires.

STEP 03 We walk the adjuster through it

We show the adjuster the damage, our photos and moisture readings, and answer their questions about our estimate.

STEP 04 We bill the carrier

Payment flows from your insurance company. Covered losses typically cost you only your deductible — and we file the completion paperwork that releases held-back depreciation.

What we hand your carrier

The documentation package.

✓Photo & video recordTimestamped, room by room, from first arrival through completion.
✓Moisture maps & psychrometric logsDaily readings proving what was wet, and proving when it was dry.
✓Xactimate estimateLine-item scope in the platform adjusters use — no translation, no excuses.
✓Cause & origin documentationEstablishing the sudden-and-accidental event your coverage turns on.
✓Contents inventoryItemized and photographed — your personal property claim, pre-built.
✓Completion certificateThe paperwork that releases recoverable depreciation at the end.

Guides: What to do in the first 24 hours · Does my insurance cover water damage? · Working with your adjuster · Why drying documentation matters

Direct insurance billing

We work with every insurance carrier.

Not a "preferred vendor" for any of them — which means we answer to you, not to a volume agreement. If they write policies in New York, we work with them and bill them directly.

State FarmINSURANCE

AllstateINSURANCE

GEICOINSURANCE

Liberty MutualINSURANCE

TravelersINSURANCE

USAAINSURANCE

FarmersINSURANCE

NationwideINSURANCE

ChubbINSURANCE

American FamilyINSURANCE

The HartfordINSURANCE

Erie InsuranceINSURANCE

AmicaINSURANCE

AAA InsuranceINSURANCE

MercuryINSURANCE

KemperINSURANCE

MAPFREINSURANCE

Plymouth RockINSURANCE

SafecoINSURANCE

ForemostINSURANCE

EncompassINSURANCE

The HanoverINSURANCE

ZurichINSURANCE

Tower GroupINSURANCE

Universal PropertyINSURANCE

CincinnatiINSURANCE

Auto-OwnersINSURANCE

Tokio MarineINSURANCE

Mutual of OmahaINSURANCE

NYCM InsuranceINSURANCE

AdirondackINSURANCE

ProgressiveINSURANCE

Don't see your carrier? We still work with them. This list is who we bill most — not a limit.

Straight answers

Insurance questions, answered honestly.

Do I have to use my insurance company's preferred vendor?

No. In New York you have the right to choose your own restoration contractor. Preferred vendors work under volume pricing agreements with the carrier — we work for you, and carriers must still pay covered claims performed by the contractor you choose.

What does 'we bill your insurance directly' actually mean?

We write the estimate in Xactimate (the platform adjusters use), submit our documentation package to your carrier, answer the adjuster's questions about our estimate, and collect payment from the insurance company. For covered losses, your deductible is typically your only out-of-pocket.

What if the adjuster's estimate is lower than the real cost?

It happens. We review our estimate with the adjuster and show the photos and readings behind each line. Decisions about your claim are between you and your insurance company; if you want someone to represent you in the claim, that is the role of a licensed public adjuster.

What is recoverable depreciation?

Many policies first pay actual cash value and hold back depreciation until repairs are completed and documented. We file the completion package that releases it — homeowners routinely leave thousands unclaimed because nobody files this paperwork.

Should I call you or my insurance company first?

Call us first. Your policy requires you to prevent further damage immediately — that's us — and the first-hour documentation we capture is what protects the claim you're about to file. We'll help you report the loss right after.

Every policy differs — this page is orientation, not a coverage decision; your policy language and adjuster determine final coverage.