Every line says who pays
Insurance restoration usually goes wrong in one place: the homeowner can't tell what the insurer is paying for and what they are. Upgrades get mixed into the claim, the deductible shows up as a surprise, and the final invoice doesn't match anything you were shown.
Our claim quotes fix that. Every line is marked Claim (your insurer pays, based on the adjuster's approval) or You (you pay: your deductible, upgrades, and anything outside the claim). You see the total you'll pay before we start the rebuild.
We bill your insurer directly
We send the invoice for the covered work straight to your insurance company. You pay only your deductible and anything marked You, so you're never stuck carrying the cost of the claim while you wait to be reimbursed.
Like for like, and upgrades
Insurance restores what you had, with materials of similar kind and quality. If you had laminate countertops, the claim pays for laminate. If you want quartz, the claim still pays its share and you pay the difference, shown as its own line. Nothing gets hidden inside another number.
If the scope changes
Opening walls sometimes reveals more damage. When it does, we document it, send it to your adjuster, and show you the new line with its cost before we do the work.