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INSURANCE CLAIM SUPPORT

Insurance Claims Help for Property Damage

Tell us what happened at your property. Our team documents the damage we observe, performs the restoration work, and prepares restoration documentation you can share with your insurance company.

Claim support built around documentation and speed.

Damage Documentation

Dated photos, written notes, and a recorded scope of the restoration work, documenting the damage we observe at your property.

Adjuster Coordination

We share restoration documentation with your adjuster when you ask us to. Coverage decisions remain with your insurance company.

How Catastrophe Solutions Helps With Insurance Claims

Catastrophe Solutions is a restoration contractor. Our part of an insurance claim is the property and the restoration work — what the damage looks like, what the building needs, and what we actually did about it. Here is what that involves.

Documenting Visible Damage

When our crew reaches the property we photograph and note the damage we can see: the affected rooms, the materials involved, and the condition of the structure and contents at the time of our visit. Those records are dated and kept with your job file.

Recording Restoration Needs

We record what the property appears to need to be restored — the affected areas, the methods and equipment involved, and the on-site readings we take, such as the moisture measurements used in water damage restoration. You can book an inspection to start that assessment.

Preparing Restoration-Related Information

We put the restoration side of the job into a form you can pass on: dated photographs, a written scope of the restoration work, and records of what was performed and when. What you do with that information, and how you present your claim, is yours to decide.

Supporting You Through Recovery

You stay in control of the claim with your insurer. We stay reachable while the work is underway, answer questions about the restoration itself, and keep the documentation current. Our recovery process resources explain what each stage of the work involves.

Coordinating Restoration Work Information

Where it is appropriate and you have asked us to, we send restoration documentation directly to your adjuster so that everyone is working from the same record of the property. We do not discuss policy terms, eligibility, or payment on your behalf.

Understanding the Insurance Claim Process

Two different parties do two different jobs after property damage. Knowing which is which makes the process much easier to follow.

What Catastrophe Solutions Does

  • Evaluates the restoration needs of the property
  • Documents the damage we observe on site
  • Performs the restoration work
  • Provides restoration-related records from the job

What Your Insurance Company or Adjuster Does

  • Reviews your policy coverage
  • Determines whether a claim is eligible
  • Makes all coverage decisions
  • Determines settlement and payment

Catastrophe Solutions is a restoration contractor, not an insurance company, adjuster, or law firm. We do not decide what is covered, we do not approve or deny claims, and nothing on this page is legal or insurance advice. For questions about your policy, your coverage, or your payment, speak with your insurance company.

What Documentation Helps After Property Damage?

Insurers generally work from a record of what the property looked like and what was done about it. If it is safe to do so, the items below are worth gathering. Safety comes first: do not enter a damaged structure that may be unstable, and never delay emergency mitigation in order to collect documentation — call us at (800) 883-3965 and let the emergency response happen.

Photos and Video of Visible Damage

Wide shots that show the room, plus closer shots of specific damage — taken only when it is safe to be in the area. If an area is not safe to enter, skip it; our crew documents what we find when we arrive.

Affected Areas and Damaged Materials

Which rooms and spaces were affected, and which materials show damage: flooring, drywall, insulation, cabinetry, fixtures, and contents.

Dates and Times

When you first noticed the damage, when the loss appears to have begun if you know it, when you contacted your insurer, and when restoration work started.

Restoration Records

Records of the restoration work performed, whether that is water extraction and drying, fire and smoke damage restoration, mold remediation, storm damage repair, or sewage and biohazard cleanup.

Communication Records

Your claim number, notes from conversations with your insurance company, and copies of written correspondence. Keeping these in one place makes the rest of the process easier to follow.

From Damage Assessment to Restoration

This is the sequence a restoration job typically follows. Timing varies with the property, the type of loss, and conditions on site, so treat this as the shape of the work rather than a schedule.

1. Emergency Call

You call our 24/7 line at (800) 883-3965. We find out what happened, where, and whether anyone is at risk, and we dispatch a crew.

2. On-Site Damage Assessment

Our team inspects the property, identifies the affected areas, and records the conditions we find, including readings where they apply.

3. Damage Documentation

We photograph the visible damage, note the affected materials and contents, and date the record so there is a clear picture of the property as we found it.

4. Restoration Scope

We put together the scope of the restoration work the property appears to need, and walk you through it before work begins.

5. Restoration Work

Our crews carry out the restoration — extraction and drying, cleanup, remediation, repairs, or commercial restoration for larger properties — and keep documenting as the work progresses.

6. Restoration Records for Your File

We provide the restoration documentation from the job so you can share it with your insurance company. Whether the loss is covered, and what is paid, remains your insurer’s decision.

Insurance Claim Questions, Answered

Does a restoration company decide what insurance covers?

No. Coverage decisions are made by your insurance company, based on your policy and the circumstances of the loss. Catastrophe Solutions is a restoration contractor: we evaluate the restoration needs of the property, document the damage we observe, perform the restoration work, and provide restoration-related records. We do not interpret policies, approve or deny claims, or decide what is covered or paid.

How can a restoration company help with an insurance claim?

We document the visible damage at the property, record the restoration needs we identify, carry out the restoration work, and prepare restoration documentation you can share with your insurer. Where you have asked us to, we send that documentation to your adjuster. The claim itself stays between you and your insurance company.

What documentation is useful after property damage?

Photos and video of the visible damage taken when it is safe to do so, a list of the affected areas and damaged materials, the relevant dates and times, records of the restoration work performed, and records of your communication with your insurer. Do not delay emergency mitigation in order to gather documentation.

Should restoration begin before an insurance claim is finalized?

That is a decision between you and your insurance company, and we cannot advise you on it. What we can tell you is that water, fire, smoke, and storm damage often worsen with time, which is why emergency mitigation is usually treated as time-sensitive. Call (800) 883-3965 to discuss emergency response for the property, and contact your insurer about the claim itself.