Insurance
When property damage happens, dealing with insurance can feel overwhelming. Nonstop Restoration works directly with your insurance provider to simplify the process from start to finish. We document the damage, provide detailed reports, and ensure all required information is submitted accurately—so your claim moves forward without unnecessary delays
Insurance & How It Works
Dealing with property damage is stressful enough. Adding insurance paperwork, unfamiliar terminology, and uncertainty about coverage often makes the situation feel overwhelming. At Nonstop Restoration, our role goes beyond physical restoration — our team helps guide homeowners and property managers through the insurance process with clarity, transparency, and experience.
We work in insurance-related losses every day. That means we understand how claims are structured, what documentation is required, and how restoration decisions impact coverage. Our goal is to help the process move forward smoothly while ensuring your property is restored properly and in accordance with industry standards.
What Insurance Typically Covers
- Sudden water damage from burst pipes or plumbing failures
- Appliance leaks from washers, dishwashers, or hot water tanks
- Storm-related roof leaks or exterior water intrusion
- Sudden overflows from toilets, sinks, or tubs
- Damage to drywall, flooring, and baseboards
- Mold growth caused by a covered water loss
Get Our Brochure
Learn the Insurance Process. Our team has built you a full brochure to understand how it works.
Working With Your Insurance Company
Nonstop Restoration works with insurance companies, not against them. We understand the importance of clear communication, reasonable scopes, and defensible restoration decisions. Our team helps by documenting conditions accurately, following accepted restoration standards, and maintaining transparency throughout the project.
While we advocate for proper restoration, we do not promise outcomes that fall outside of policy coverage. Instead, we focus on performing the necessary work correctly and providing the documentation insurers rely on to make informed decisions. This approach helps reduce delays, misunderstandings, and unnecessary friction during the claims process.
What Insurance Typically Covers
Most property insurance policies cover sudden and accidental losses such as water damage from plumbing failures, appliance leaks, roof leaks caused by storms, and certain mold conditions that result directly from a covered water loss. Coverage generally applies to the damage caused by the event, not long-term or pre-existing issues.
Our team helps by identifying the affected areas, documenting moisture intrusion, and determining what restoration work is required as a result of the covered event. This ensures that restoration efforts are focused, appropriate, and properly supported from the beginning of the claim.
What Insurance May Not Cover
Insurance policies are not maintenance agreements. Long-term neglect, ongoing leaks, and pre-existing conditions are often excluded from coverage. Mold that develops over time without a sudden water event may also fall outside of policy terms.
Our team helps by explaining these distinctions clearly and honestly. We believe transparency builds trust. By identifying what is related to the covered loss and what is not, we help property owners make informed decisions without surprises later in the process.
Categories & Types of Loss
Not all water losses are the same. The category of loss plays a major role in how restoration is performed and what safety measures are required. Clean water losses are handled differently than contaminated or sewage-related losses, and each requires a specific approach.
Our team helps by properly categorizing the loss based on industry-recognized definitions. This ensures the correct safety protocols, drying methods, and remediation techniques are applied. Proper categorization protects occupants, supports accurate scopes of work, and aligns restoration with insurance expectations.
Documentation & Claims Support
Insurance claims rely heavily on documentation. Our team helps by collecting moisture readings, photo evidence, equipment logs, and daily monitoring records throughout the mitigation process. This information provides a clear timeline of events and supports the necessity of the work performed.
Accurate documentation helps insurance adjusters review claims efficiently and reduces the likelihood of delays or disputes. For homeowners and property managers, it provides transparency and reassurance that the restoration is being handled professionally.
Why Choose Us
We Work With All Insurance Companies
We specialize in insurance-approved restoration services and understand exactly what carriers, adjusters, and property managers require to move claims forward efficiently. From emergency response to final reconstruction, our team follows industry-recognized standards to ensure every loss is documented, mitigated, and restored properly—without delays or surprises.
Work completed to current IICRC industry standards.
Accurate, insurer-approved Xactimate estimates.
Clear documentation of damage source and cause.
Documentation aligned with adjuster expectations.
When damage happens, you shouldn’t have to explain the urgency. Our restoration specialists step in with personalized care and proven solutions.
