Insurance Claims Help

Sudden, accidental losses — burst pipes, supply line failures, fire, vehicle impact — are commonly covered by standard HO-3 and HO-5 policies. Gradual leaks, long-term seepage, surface flooding outside a flood policy, and damage caused by lack of maintenance are typically excluded. We document the cause so the carrier can evaluate it accurately.

Billing arrangements depend on your policy, carrier, and approved scope. In most cases the homeowner is the policyholder of record and signs the work authorization. We provide the documentation your adjuster needs, coordinate scope conversations, and can work with check assignment when the carrier permits.

Every PSR job is documented with timestamped photos, moisture and humidity readings, thermal images where useful, affected-material scope notes, equipment logs (air movers, dehumidifiers), and daily progress records. This package is delivered to you and, with your authorization, directly to your adjuster.

No — and most policies obligate the homeowner to mitigate damage promptly. Standing water and elevated humidity cause secondary damage within 24-48 hours. Call PSR first for emergency mitigation; the adjuster can inspect after stabilization is underway. We document the pre-mitigation condition so nothing is lost from the claim.

Mold from a covered, sudden water loss is often covered, sometimes with a sub-limit. Mold from long-term leaks, condensation, chronic humidity, or unaddressed maintenance is typically excluded. Read your policy for mold language, and keep all moisture and remediation documentation.

A supplement is an addition to the original estimate when hidden damage is discovered during work (e.g., wet subfloor revealed when carpet pad is removed). PSR documents new findings with photos and readings, and supplements are negotiated with the adjuster before the work is performed.

Your deductible is the portion of the loss you pay out of pocket before insurance pays. For most policies it ranges from $500 to $2,500 per claim. The deductible is subtracted from the carrier-approved scope of work. PSR cannot waive your deductible — that is insurance fraud.

Carriers deny claims when they determine the cause is excluded (gradual, maintenance-related, flood-policy required) or coverage limits are exhausted. You can request a written explanation, submit additional documentation, request a re-inspection, or escalate to the state insurance commissioner. PSR can provide documentation to support a re-evaluation but does not act as a public adjuster.