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Does Insurance Cover Fire & Water Damage Restoration? Your NexPhase Restoration FAQ
After a fire or flood, many homeowners ask: Will my insurance cover this? The answer: most likely—but the devil’s in the details. At NexPhase Restoration, we navigate these complexities daily. Here’s your friendly breakdown to help you know what to expect as you begin the claims process.
After a fire or flood, many homeowners ask: Will my insurance cover this? The answer: most likely—but the devil’s in the details. At NexPhase Restoration, we navigate these complexities daily. Here’s your friendly breakdown to help you know what to expect as you begin the claims process.
● Typical Coverage:
Sudden, accidental damage—like a burst pipe or a lightning-caused fire—is usually covered. Policies generally include cleanup, repairs, temporary living costs, and sometimes upgrades required by code (like seismic or electrical).
● Common Exclusions:
Long-term leaks, wear-and-tear, neglect, or flooding without flood insurance often aren’t covered. Ordinary mold (if due to chronic moisture) may also be excluded.
● How We Support Your Claim:
We document damages with photos, moisture readings, and item inventories, then prepare detailed estimates using Xactimate. That streamlines claims and reduces surprises.
● Tips for Smoother Claims:
Report the loss promptly. Mitigate further damage (e.g., dry efficiently). Keep receipts for any interim repairs or lodging. Don’t settle until restoration meets your expectations.
Our team works directly with your insurer so you don’t have to. If your home in Los Angeles County suffered fire or water damage, reach out now for a free, no-stress restoration consultation.
● Typical Coverage:
Sudden, accidental damage—like a burst pipe or a lightning-caused fire—is usually covered. Policies generally include cleanup, repairs, temporary living costs, and sometimes upgrades required by code (like seismic or electrical).
● Common Exclusions:
Long-term leaks, wear-and-tear, neglect, or flooding without flood insurance often aren’t covered. Ordinary mold (if due to chronic moisture) may also be excluded.
● How We Support Your Claim:
We document damages with photos, moisture readings, and item inventories, then prepare detailed estimates using Xactimate. That streamlines claims and reduces surprises.
● Tips for Smoother Claims:
Report the loss promptly. Mitigate further damage (e.g., dry efficiently). Keep receipts for any interim repairs or lodging. Don’t settle until restoration meets your expectations.
Our team works directly with your insurer so you don’t have to. If your home in Los Angeles County suffered fire or water damage, reach out now for a free, no-stress restoration consultation.
Insurance Friendly
We work directly with your insurance company to make the process stress-free.
Insurance Friendly
We work directly with your insurance company to make the process stress-free.
Insurance Friendly
We work directly with your insurance company to make the process stress-free.