Insurance claim support, built into the job.

Restoration claims fail more often from bad paperwork than from the damage itself. We build the claim file in the format adjusters expect — so your carrier approves scope without back-and-forth, and the depreciation is released cleanly at the end.

Insurance Coordination

We help document the loss and coordinate with your insurance carrier.

Insurance is half the job. We build a clean claim file from the first site visit so your adjuster has what they need to approve scope without back-and-forth.

How insurance claims work with us →

  • Documented to claim standards

    Room-by-room photos, moisture readings, equipment logs, and itemized scope of work — the format adjusters expect.

  • We talk to your carrier

    We communicate directly with your insurance company so you do not have to translate technical language back and forth.

  • Line-item pricing

    Scope of work priced to Xactimate / industry-standard rates. Transparent estimates you can hand to the adjuster.

  • Your choice of contractor

    You are not obligated to use a "preferred vendor." Pick the restoration company you trust. We will work with the adjuster they send.

What we deliver to your adjuster

  • 1.Room-by-room photographic documentation with timestamps and a written narrative of the original condition.
  • 2.Moisture readings and equipment logs — when each dehumidifier and air mover was placed, when readings hit dry standard, when equipment was removed. Adjusters look for this.
  • 3.Itemized scope of work priced to Xactimate or comparable industry-standard rates. Line items, not lump sums.
  • 4.Direct adjuster communication — we answer their questions on your behalf, attend the on-site adjuster visit if scheduled, and handle supplement filings if additional damage is discovered mid-job.
  • 5.Completion package for depreciation release. Final invoice, photos of completed work, lien waivers — the paperwork your carrier needs to release the RCV holdback.

A note on "preferred vendors"

You are not required to use your carrier's preferred vendor. Preferred vendor programs are a convenience offered by carriers — not a policy requirement. The carrier still has to pay the covered loss whether you use their network or hire us directly. Read the fine print of any "direct repair" or "managed repair" program before signing.

Insurance Claim FAQs

Am I required to use my carrier's "preferred vendor"?

No. Your insurance policy lets YOU choose the contractor — preferred vendor programs are a convenience offered by carriers, not a requirement. The carrier still has to pay the covered loss whether or not you use their network.

What does True Eden actually do for the insurance claim?

We document the loss in the format adjusters expect: room-by-room photos, moisture readings, equipment logs (when industrial drying equipment was placed and removed), an itemized scope of work, and Xactimate-style line-item pricing. We communicate with the adjuster directly so you do not have to translate technical language back and forth. If a supplement is needed (additional damage discovered during work), we file it.

What if my claim is denied or underpaid?

Denials and lowballed estimates are usually appealable with better documentation. We can provide moisture logs, photo evidence, and IICRC-standard scope justification to support an appeal or supplement. For complex disputes, public adjusters and policyholder attorneys are also options — we have referrals.

How does the deductible work?

Your deductible is your out-of-pocket portion before insurance pays. For a $5,000 loss with a $1,000 deductible, the carrier pays $4,000 and you pay $1,000. We bill the carrier directly for their portion and collect the deductible from you. We will not "waive" or "absorb" your deductible — that is insurance fraud and risks your coverage.

What is "ACV" vs. "RCV"?

ACV (Actual Cash Value) is replacement cost minus depreciation — the initial payment from the carrier. RCV (Replacement Cost Value) is the full replacement cost, paid out as recoverable depreciation once the work is actually completed and invoiced. Most policies pay ACV up front and release the depreciation withholding when you submit completion documentation.

How long does the whole claim take?

Emergency mitigation usually has a streamlined approval path (a few days to a week). Reconstruction scope approval depends on the carrier and the complexity — typically 1–3 weeks for the initial scope, plus any supplements. The actual repair work timeline depends on scope size and material lead times.

In the middle of a claim?

Whether you have an open claim with another contractor or you are about to file, we can help you build a clean claim file.

Call Now for Emergency Help(224) 454-4376

Insurance claim coordination from day one. We are not a "preferred vendor" — you choose us.

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