Skip the paperwork battles. We handle insurance documentation, billing, and adjuster coordination directly — so you can focus on getting your life back together. All major Texas carriers, FEMA NFIP flood claims, and supplement claims when hidden damage is discovered.
The water damage restoration industry has a documented problem: customers being asked to pay upfront, fight with adjusters, then chase reimbursement. We don't operate that way. We submit estimates directly to your insurance carrier in Xactimate format — the same software your insurance adjuster uses — and your carrier pays us directly.
Under the Texas Prompt Payment of Claims Act (Texas Insurance Code Section 542A), your insurer is legally required to:
Our documentation package — daily moisture readings, thermal imaging photos, Xactimate-scoped estimates, and IICRC S500-compliant work records — is designed specifically to hold insurers to these timelines. When everything is documented correctly, denials and supplements drop dramatically.
Texas law protects your right to choose your contractor. Despite what your insurance company's "preferred vendor" program suggests, you have the legal right to choose any licensed contractor. Insurers cannot require you to use their preferred vendor, and your policy covers reasonable costs no matter who you choose.
Standard Texas HO-3 (open perils) and HO-A (named perils) policies generally cover sudden and accidental water damage events that originate inside your home:
Xactimate-scoped estimates submitted directly to your carrier.
NFIP Proof of Loss filing within the strict 60-day deadline.
Approved contractor with Xactimate matching State Farm's pricing model.
Direct documentation and adjuster coordination for Allstate policies.
Military family experience with USAA's restoration claim process.
Direct billing with every major Texas insurance carrier.
Comprehensive documentation that holds insurers to Texas Prompt Payment Act timelines.
"State Farm initially denied the supplement for hidden subfloor damage. They presented their Xactimate documentation with thermal images, and the adjuster reversed the denial in under a week. Saved us $14,000 we'd otherwise have paid out of pocket."
"FEMA Proof of Loss filed on day 58 of the 60-day window. We didn't know about the deadline. They knew, did the documentation, and our flood claim went through clean — $87K rebuild covered."
"USAA pushed for their preferred vendor. Their team explained Texas law — I could choose them. Same coverage, dramatically better communication. Never wrote a check; everything billed direct."
Yes. We submit Xactimate-formatted estimates and bill your insurance carrier directly. Most homeowners never write us a check. We work with State Farm, Allstate, USAA, Farmers, Liberty Mutual, Travelers, Progressive, and every other major Texas carrier, plus FEMA NFIP for flood claims.
Texas Insurance Code Section 542A requires insurers to acknowledge your claim within 15 business days, accept or reject within 15 business days after receiving complete documentation, and pay accepted claims within 5 business days of acceptance. Bad-faith violations trigger 18% interest plus attorney's fees.
No. Texas law gives you the right to choose any licensed contractor for insurance-covered repairs. Insurer "preferred vendor" lists are recommendations, not requirements. Your policy covers reasonable costs no matter who you choose. Don't let an adjuster pressure you into using their preferred network.
A supplement claim is filed when hidden damage is discovered during demolition or repair that wasn't visible during the initial adjuster inspection. Common examples: rotted subfloor under intact carpet, mold behind drywall, structural damage. We document these as discovered and file supplements promptly with full evidence.
NFIP requires written Proof of Loss within 60 days of the flood event. Don't wait for the adjuster to call — start documenting damage immediately. Our flood damage restoration team handles the full FEMA documentation package and coordinates with WYO (Write Your Own) insurers. Office of Flood Insurance Advocate: (800) 621-3362.
If you receive a denial, request a written explanation citing the specific policy language. We help review the denial against our documentation and often the issue is documentation-related — easily corrected. For complex denials or claims over $50K, we recommend engaging a Texas public adjuster or attorney specializing in property insurance disputes. Texas 542A bad-faith provisions give you leverage.
Free claim consultation — we'll review your policy, explain your coverage, and tell you exactly what to expect. No pressure, no fees, just clarity.