Insurance Claims Assistance
We Work Directly With Your Insurance Company
Navigating insurance claims doesn't have to be stressful. Let our experts handle the paperwork, documentation, and adjuster communication while you focus on getting your life back to normal.
CALL US: (702) 682-3505Stress-Free Insurance Claims Process
After experiencing water, fire, or mold damage, the last thing you need is insurance claim confusion. At Rockstar Restoration LV, we've processed thousands of insurance claims and work with all major carriers. We handle the complex paperwork, provide detailed documentation, and communicate directly with adjusters—ensuring your claim is processed quickly and accurately.
With 30 years of combined experience, we know exactly what insurance companies require for claim approval. We're your advocate throughout the entire process, maximizing your coverage and minimizing your stress.
Years Experience with Insurance Claims
Insurance Claim Approval Rate
Out of Pocket for Claims Assistance
How We Help With Your Insurance Claim
Complete Documentation
We photograph all damage, create detailed scope of work documents, and maintain comprehensive records that satisfy insurance requirements.
Direct Adjuster Communication
We speak directly with your insurance adjuster, answer technical questions, and provide expert insights that support your claim.
Xactimate Estimates
We provide professional Xactimate estimates—the industry-standard software used by insurance companies—ensuring accurate, accepted pricing.
Photo & Video Evidence
Comprehensive visual documentation of all damage, restoration progress, and final results for your insurance file.
Hidden Damage Detection
Using moisture meters and thermal imaging, we identify concealed damage that adjusters might miss—protecting your coverage.
Claim Advocacy
If your claim is disputed or underpaid, we provide additional documentation and expert support to ensure fair settlement.
Our Insurance Claims Process
Here's exactly how we handle your insurance claim from start to finish:
Emergency Response & Damage Mitigation
We respond immediately to stop further damage. Most insurance policies require prompt mitigation—delays can jeopardize your claim. We document the initial damage state before beginning any work.
Your Role: Call us and your insurance company to report the damage. We can walk you through the call if needed.
Comprehensive Damage Assessment
Our certified technicians conduct a thorough inspection, documenting all visible and hidden damage with photos, videos, moisture readings, and detailed notes. We identify everything that should be included in your claim.
Your Role: Show us any areas of concern and provide access to the property. Ask any questions you have.
Insurance Notification & Authorization
We help you contact your insurance company and file your claim properly. Once you provide authorization, we can communicate directly with your adjuster on your behalf, saving you time and hassle.
Your Role: Simply be available if the adjuster needs to speak with you. We handle the technical discussions.
Professional Xactimate Estimate
We create a detailed Xactimate estimate—the same software your insurance company uses. This ensures accurate pricing and prevents disputes over restoration costs. The estimate includes all necessary repairs, materials, labor, and equipment.
Your Role: Review the estimate and ask questions. We'll explain every line item in plain English.
Adjuster Site Visit & Coordination
We schedule and attend the adjuster's inspection, walking them through all damage, explaining technical aspects, and ensuring nothing is overlooked. Our expertise helps adjusters understand the full scope of necessary repairs.
Claim Documentation Submission
We provide your insurance company with all required documentation: estimates, photos, moisture readings, equipment logs, daily progress reports, and any technical certifications needed for claim approval.
Claim Approval & Authorization
Once approved, we review the settlement with you to ensure it covers all necessary repairs. We address any discrepancies before work begins.
Your Role: Review and approve the work authorization. Pay your deductible (we can often arrange payment plans).
Restoration Work Begins
We begin restoration immediately after approval. We maintain detailed daily logs and photo documentation of all work performed for the insurance file.
Supplemental Claims If Needed
If we discover additional damage during restoration (common with water/mold), we document it thoroughly and submit supplemental claims to ensure all necessary repairs are covered.
Final Documentation & Settlement
Upon completion, we provide final documentation, before/after photos, and completion certificates. We work with you and your insurance company to ensure proper claim settlement and payment.
Your Role: Conduct a final walkthrough and approve the completed work. Enjoy your restored property!
Insurance Companies We Work With
We have extensive experience working with all major insurance carriers and specialty administrators.
Plus specialty administrators: Accuserve • Sedgwick • Crawford & Company
Don't See Your Insurance Company Listed?
We work with virtually all insurance carriers. Even if your company isn't listed above, we have the experience and expertise to process your claim efficiently. Call us at (702) 682-3505 to discuss your specific insurance situation.
What's Typically Covered by Insurance?
Understanding your coverage helps you make informed decisions about your claim.
✓ Usually Covered
- Sudden water damage from burst pipes, appliance malfunctions
- Fire and smoke damage from accidental fires
- Storm damage to roof, windows, structure
- Vandalism and malicious damage
- Mold remediation resulting from covered water damage
- Emergency services to prevent further damage
- Contents restoration for personal belongings
- Temporary housing during repairs (if displacement needed)
✗ Usually NOT Covered
- Flood damage (requires separate flood insurance)
- Gradual water damage from slow leaks over time
- Poor maintenance or neglect
- Mold from humidity or moisture not related to covered damage
- Earthquake damage (requires separate coverage)
- Normal wear and tear
- Intentional damage
- Damage from pests (termites, rodents, etc.)
⚠️ Important: Every Policy Is Different!
Coverage varies by policy, carrier, and location. We'll review your specific policy and help you understand exactly what's covered before starting work. Call us for a free insurance coverage consultation at (702) 682-3505.
Common Insurance Questions
Get answers to your most pressing insurance claim concerns.
Q: Will filing a claim raise my insurance rates?
A: It depends on your carrier, policy, and claims history. Most single claims for covered events (like sudden water damage or fire) won't significantly impact rates, especially if you haven't had recent claims. Your insurance agent can provide specific guidance for your situation.
Q: How much will I have to pay out of pocket?
A: You'll pay your policy deductible (typically $500-$2,500), and the insurance covers the rest up to your policy limits. We'll provide a detailed estimate showing what insurance will cover vs. your deductible so there are no surprises.
Q: What if the insurance company denies my claim?
A: If a claim is denied, we'll help you understand why and can provide additional documentation to support an appeal if appropriate. Our detailed reports and photos often help overturn denials. We can also work with public adjusters on your behalf.
Q: Do I have to use the contractor my insurance recommends?
A: No! You have the legal right to choose any licensed contractor you want. While insurers may suggest "preferred" contractors, you're free to select any licensed, qualified restoration company. We recommend choosing based on experience, reputation, and customer service rather than insurance referrals alone.
Q: How long does the insurance claims process take?
A: Timeline varies by carrier and complexity. Simple claims may be approved in 5-10 days, while complex cases can take 2-4 weeks. We begin emergency services immediately and work with your insurer throughout the process to expedite approval.
Q: What's an RCV vs. ACV policy?
A: RCV (Replacement Cost Value) pays to replace damaged items with new ones at today's prices. ACV (Actual Cash Value) pays replacement cost minus depreciation. RCV policies typically result in better coverage and higher payouts for restoration work.
Q: Should I wait for insurance approval before starting repairs?
A: Emergency mitigation (water extraction, board-up, tarping) should start immediately to prevent further damage—this is almost always covered. Full restoration work should wait for insurance approval. We'll guide you on what's urgent vs. what can wait.
Q: What if I disagree with the insurance adjuster's estimate?
A: This is common! We'll advocate for you and provide detailed justification for all necessary work using Xactimate pricing and industry standards. In 30 years, we've successfully negotiated thousands of claims to ensure proper coverage.
Q: Can you work with my mortgage company?
A: Yes! We regularly work with mortgage companies and can handle two-party checks (where both you and the lender must endorse). We'll coordinate with all parties to ensure smooth payment processing.
Q: What if my claim is worth less than my deductible?
A: If repairs cost less than your deductible, you can choose to pay out-of-pocket and not file a claim (avoiding potential rate impacts). We'll provide an accurate estimate upfront so you can make an informed decision.
Q: What is an Xactimate estimate?
A: Xactimate is the industry-standard estimating software used by 80%+ of insurance companies. Our Xactimate estimates use the same pricing database as insurers, eliminating pricing disputes and speeding claim approval.
Q: Can you help if I already filed a claim?
A: Absolutely. Even if you've already filed, we can step in to provide documentation, meet with adjusters, and ensure all necessary repairs are included in your claim settlement.
Tips for a Successful Insurance Claim
Maximize your claim approval chances with these best practices from our 30 years of experience.
📞 Report Damage Immediately
Contact your insurance company as soon as you discover damage. Quick reporting shows due diligence and prevents coverage disputes. Call us: (702) 682-3505
📸 Document Everything
Take extensive photos and videos of all damage. More documentation is always better than less when filing claims. Save all damaged items until the adjuster inspects them.
🛡️ Prevent Further Damage
Take reasonable steps to stop additional damage (like tarping a roof or extracting water). Save receipts—this work is typically reimbursed by insurance.
📋 Keep All Receipts
Save receipts for emergency repairs, temporary housing, meals if displaced, and any restoration-related expenses. Many policies cover additional living expenses (ALE).
📝 Make a Damaged Items List
Create a detailed inventory of all damaged property, including model numbers, purchase dates, and estimated values when possible.
🤝 Work With Professionals
Partner with an experienced restoration company (like us!) that knows the insurance process inside and out. Insurance companies have experts—you should too.
💬 Communicate in Writing
Follow up phone calls with emails to create a paper trail. Keep copies of all correspondence with your insurer.
⏰ Know Your Policy Deadlines
Be aware of claim filing deadlines in your policy (usually 30-60 days). Missing deadlines can result in claim denial.
📖 Review Your Coverage
Review your policy to understand deductibles, coverage limits, and exclusions. We can help interpret complex policy language.
🚫 Never Admit Fault
Provide facts to your insurance company, but don't speculate about causes or accept blame. Let the adjuster determine causation.
Don't Navigate the Insurance Maze Alone
Our 30 years of experience means we know exactly how to document damage, justify costs, and negotiate with adjusters to get you the maximum coverage you deserve.
Available 24/7 • Free Inspections • We Work With All Insurance Companies
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