Financing & insurance
Recovery First.Paperwork Second.
We stabilize the property before anyone talks about cost — then make paying for it as painless as it can be, whether that is a carrier-billed claim, monthly financing, or straight itemized pricing.
IICRC Certified Firm · Licensed Michigan Builder · BBB A+
Recovery First. Paperwork Second.
IICRC Certified Firm · Licensed Michigan Builder · BBB A+
How it works
We Stabilize First. We Talk Cost Second.
Whether it is water, fire, mold or storm damage, the order is the same.
Nobody should be negotiating an invoice while water is still moving through the floor.
A person answers 24/7 and a certified crew is on site fast to stop the damage spreading — before anyone talks dollars.
The three routes below, explained plainly, with a written scope. You decide how and when to move forward.
We document the loss, bill your carrier directly where the policy allows, and get the restoration underway — so recovery starts now, not after the paperwork.
Three ways to pay
Choose What Actually Works For You.
Most restoration is paid one of three ways. We make every one of them straightforward.
The biggest help of all
We Handle The Insurance Claim.
For most property owners the fastest way to make restoration affordable is a well-handled claim — and that is work we do for you.
Questions
Financing & Payment, Answered.
Do I have to pay my deductible up front?
In most covered losses your deductible is your share of the cost — we bill the rest to your carrier where your policy allows. We explain exactly what to expect before any work begins, with no surprises.
Can you bill my insurance company directly?
Yes, wherever your policy allows it. We document the loss, build the scope your adjuster accepts, and coordinate directly with your carrier — so you are not stuck fronting the full cost or chasing paperwork.
What if my insurance denies part of the claim?
It happens, and we do not leave you hanging. We document hidden damage and code-required upgrades and advocate for the supplement. If a gap remains, financing can bridge it so your restoration is not delayed.
Do you offer payment plans or financing?
Yes. Flexible financing with manageable monthly payments lets you spread the cost over time instead of paying it all at once — especially helpful when a loss is not fully covered. Ask us about current options.
What if I do not have insurance, or the damage is not covered?
You still have options. We provide transparent, itemized pricing and a written scope up front, and financing can turn a large one-time bill into monthly payments so you can get your property back without draining your savings.
Am I committed to anything before work starts?
No. You get a written scope before any work begins, and you decide how and when to move forward. Emergency stabilization happens first either way — stopping the damage spreading is not something we hold up over paperwork.
Which carriers do you work with?
We have worked with every major carrier and document in Xactimate, the estimating platform most of them use, which is what keeps a claim moving rather than bouncing back for more information.
Verify it
Who You Are Trusting With The Claim.
A claim is only as good as the documentation behind it.
No delay
Do not let cost delay the recovery.
Call any time — a real person answers. We stabilize the property, explain the options honestly, and make paying for it manageable.
Troy, MI 48083View office
Port Huron, MI 48060View office
One team for every part of the loss: residential restoration, commercial restoration, property repairs, contents restoration and roofing. More answers on the full FAQ, or see the service area.
Talk to us about payment options
Tell us what happened. We will assess the damage and walk you through insurance, financing and pricing — no pressure.