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Filing a water damage claim can be confusing. Here's how we help.
Dealing with water damage is stressful enough without also having to navigate an insurance claim. Master Restoration helps homeowners through this process alongside the restoration work itself.
We document the damage thoroughly, including photographs and detailed notes, to help support your claim.
We provide estimates for the restoration work needed, giving your insurer clear information to work from.
We help communicate with your insurance company throughout the process and can assist if there are discrepancies to work through.
We can't guarantee how your insurer will handle your claim or what they'll approve. What we can do is make sure your claim is well-documented and well-supported from our end.
Usually, if the water damage was sudden and accidental, such as a burst pipe or an appliance that overflowed. Standard policies generally do not cover damage that built up slowly from a long-term leak, damage from poor maintenance, or flooding. Every policy is different, so check yours or ask your agent. The NC Department of Insurance has a homeowner's guide at ncdoi.gov.
Not under a standard NC homeowners policy. Water backup and sump overflow coverage is an optional endorsement that you have to ask your agent to add (source: NC DOI, "Optional Coverage"). If you have a backup, see our sewage cleanup page.
No. Standard homeowners policies exclude flood and rising water. Flood coverage is a separate policy, usually through the National Flood Insurance Program (source: NC DOI Flood Insurance FAQs).
If it's safe, stop the water first. Then take wide and close-up photos and video of every wet area and the source before anything is moved or thrown away. Keep damaged items and receipts until your adjuster says otherwise. Write down when you found the damage.
Most policies expect you to take reasonable steps to stop more damage. Document everything first, then start drying. If you're not sure, ask your insurer what they need before materials are removed.
Yes, and the inspection is free. We inspect, measure moisture, photograph the damage and write up what we find. That way you know what you're dealing with when you talk to your insurer. Call (704) 408-4794, Monday to Friday, 8am to 6pm.
We can't guarantee approval, but we make sure your claim is documented as thoroughly as possible.
Reach out to our team to discuss billing and payment options for your specific situation.
We can help provide additional documentation or clarification to address discrepancies.
Seeing stains or a musty smell? Learn the signs of a hidden leak, or walk through our water damage checklist.
Claim denied, or getting ready for the adjuster? Read what to do after a denied water damage claim, our questions to ask your insurance adjuster, and what affects water damage restoration cost.