Insurance Claims Assistance
We navigate the complex insurance process so you don't have to.
Navigating Water Damage Insurance Claims
Dealing with a flooded home is stressful enough. Figuring out what your homeowner's insurance covers and arguing with adjusters shouldn't add to that burden. At Flood & Water Damage Restoration Kyle, we have years of experience working with all major insurance carriers in Texas.
We are an insurance-approved vendor. This means we use the exact same estimating software (Xactimate) that the insurance companies use, ensuring there are no discrepancies in pricing. We document everything meticulously with photos and moisture readings to prove the necessity of our work to your adjuster.
Direct Billing
In most covered claims, you only pay your deductible. We bill the insurance company directly for the remainder of the mitigation and restoration work, saving you from paying thousands out of pocket while waiting for reimbursement.
Our Insurance Process
1. You Call Us First
Call us immediately to stop the damage. Most policies require you to mitigate further damage. We can then help you contact your agent.
2. Meticulous Documentation
We take extensive photos, moisture readings, and detailed notes before, during, and after the restoration process.
3. Xactimate Estimating
We provide an itemized estimate using industry-standard software, ensuring swift approval from your adjuster.
4. Adjuster Coordination
We meet with the insurance adjuster on-site if needed to explain our scope of work and justify the claim.
Frequently Asked Questions
Do I have to use the company my insurance recommends?
No. By law in Texas, you have the right to choose the restoration company you want to use. Insurance companies often have preferred vendors they recommend because they have agreed to discounted rates, but you are not obligated to use them.
Is flood damage covered by standard homeowners insurance?
Typically, no. Water damage from a sudden internal source (like a burst pipe or overflowing appliance) is usually covered. Damage from external rising water (flooding from heavy rain, rivers) requires a separate flood insurance policy through FEMA/NFIP.