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Restoration Resources and Guides

Insurance Resource Center & FAQ

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Restoration Resources and Guides

When property damage occurs, knowing what to do next matters as much as who you call. This resource center is designed to help property owners, facility teams, and partners understand the restoration process, make informed decisions, and avoid costly delays.

These guides focus on what happens next, what to expect, and how to protect the property and outcome, not marketing claims.

Report Your Claim Promptly and Review Your Policy

Make sure you have a current copy of your Homeowner’s or Business Owner’s Policy and understand the perils it covers. Get familiar with your policy. The pages that state your name, property address, insurance breakdown, and endorsement codes are called your “Declaration Pages”. Make sure to check the stated dollar limits for your main coverage categories, such as Dwelling, Contents (also known as personal property), Additional Living Expenses (ALE), and Liability coverage, if applicable.

Document Your Loss Thoroughly

Make sure to take detailed notes of your loss, photographs, and written proof of ownership, as these can be very valuable in supporting your claim. It is important to list all your lost or damaged items. Additionally, saving receipts for all your larger purchases can help you file your claim more efficiently and get reimbursed in accordance with your policy.

Understand Your Rights

Every State has its own legislation governing insurance standards and procedures that insurance companies must follow. You are required to cooperate with reasonable requests for information from your insurance company; however, do not allow yourself to be rushed into a quick insurance settlement. Insurance companies will sometimes “hurry along” claims with the intention of underpaying you the money you deserve. Make sure to review all documents and do not sign any waivers that release the insurer from any further obligations until you have consulted with an insurance specialist or attorney, and are fully satisfied with the settlement paid.

Be Honest

When filing a claim, make sure to honestly represent the actual value of your destroyed items. Sometimes, people believe that inflating the value or quality of their damaged or destroyed belongings will result in more settlement monies. Falsely claiming items you do not own can jeopardize your entire claim and can ultimately lead to legal penalties.

Flood & Storm Coverage

Most commercial and residential insurance policies do not cover flood or windstorm damage. You may purchase such coverage on a separate policy.

The length of time your insurance company takes to process your claim may depend on several factors. Sometimes, despite our best efforts, the insurance company may take its time to process your claim. Our internal claims department is always available to answer any questions you may have and provide real-time updates on your claim. Our commitment is to facilitate the processing of your insurance claim in a fair and timely manner.

What to Do First After Property Damage

If you are dealing with an active loss, the first steps you take can reduce damage and prevent secondary issues.

Water damage restoration services for homes and businesses

Water Damage

Water spreads quickly into walls, floors, and ceilings. Early drying and moisture control are critical to preventing mold and structural damage.

→ Learn more about Water Damage Restoration

Mold remediation and mold removal services

Mold Concerns

Visible mold often signals hidden moisture. A proper assessment is needed to determine whether cleaning is sufficient or remediation is required.

→ Learn more about Mold Remediation

Storm Damage

Storm-related losses often involve wind, water intrusion, and delayed discovery. Safety, documentation, and stabilization come first.

→ Learn more about Storm Damage Restoration

Fire and smoke damage restoration services

Fire and Smoke Damage

Fire damage extends beyond what is visible. Smoke residue, odor, and structural impact require professional evaluation.

→ Learn more about Fire Damage Restoration

Biohazard cleanup and sterilization services

Biohazard and Trauma Scenes

These situations require specialized handling for safety, compliance, and discretion.

→ Learn more about Biohazard Cleanup

More Than Emergency Response, We Handle It All.

Explore our full range of restoration, remediation, and disinfection services across Florida.

Partner Resources

United Restoration works with insurers, property managers, adjusters, and other partners to coordinate efficient, well-documented restoration outcomes.

Partner Handbook

This handbook outlines response workflows, documentation standards, coordination expectations, and communication practices used during restoration projects.

→ Download the United Restoration Partner Handbook

This resource is intended for industry partners and stakeholders involved in property loss response and coordination.

How to Tell If Your Ceiling Has Water Damage

Frequently Asked Questions

At United Restoration, we understand the confusion and stress that each of our clients face when disaster strikes. We also understand that each situation calls for a unique plan of action, depending on the circumstances and property type. Below are a few questions that clients often ask. Understanding these questions and answers below should better acquaint you with preparing for, and dealing with, disaster.

My home, building or facility has had an emergency. Who do I call?

Whenever disaster strikes, the first priority is to ensure that everyone in the building is safe. Should there be a safety issue that raises concerns, it is imperative that the building be evacuated, and 911 be called.

 

Once the situation has stabilized, damage mitigation should begin as soon as possible to prevent further damage. United Restoration’s 24 Hour Emergency Response Team should be called at (844) 329-1969.

Given that we are proudly locally owned and operated, all of our team members have been trained to deal with emergencies. Our local agents will request basic damage and contact information, and our Emergency Response Team will begin the immediate process of rushing to your property. If your property does not require an immediate emergency response, we will arrange a free, on-site inspection and damage assessment that fits your schedule. If you plan to file an insurance claim, your insurance carrier should also be contacted to open a claim so United Restoration can work directly with your insurance company to expedite the process.

On average, we have responded to all emergencies within 10 minutes. Unlike our national competitors, which estimate 1-2 hour responses, choosing a locally owned and operated company like United Restoration can be the difference between a minor loss and a total loss. Response times may vary depending on traffic conditions, weather, and other unforeseen events.

Before any work on your property can begin, one of our team members will ask you to sign a work authorization form. This form is crucial as it gives United Restoration permission to perform work in your building or facility. No work can begin until our clients have signed our work authorization forms.

Yes. United Restoration is an IICRC-certified firm that specializes in employing the most advanced mold remediation techniques, coupled with state-of-the-art equipment.

United Restoration outsources every mold sampling to independent mold testing companies.

United Restoration has strong relationships with many insurance carriers thanks to our proven track record of providing honest, transparent billing and estimates for every project. Additionally, we use Xactimate for estimating as it is the industry-wide accepted estimating program used by insurance carriers and adjusters, which allows for ensuring industry-standard pricing and––hopefully––the quickest insurance claim resolution. United Restoration cannot make any determinations regarding coverage, and all questions regarding coverage should be directed to your carrier and adjuster.

All of United Restoration’s cleaning and restoration services are performed by highly trained and certified in-house technicians. This allows us to work with a team we trust to represent us and enter our client’s homes and buildings to perform work that accurately reflects our standards.

Work will be subcontracted only to a United Restoration-approved vendor when a project requires electrical, plumbing, HVAC, carpentry, demolition, or reconstruction.

In most cases, the sooner drying and stabilization begin, the better the outcome. Delays often increase repair scope and cost.

Minor-looking damage can still involve hidden moisture. Professional assessment helps determine whether drying is complete or further action is needed.

Coverage depends on the policy and cause of loss. Proper documentation and timely response support the claims process.

Restoration work is performed by trained crews using established standards and documented processes.