We document the loss and handle your insurance claim
Most water and fire damage is covered by your homeowner's policy. The hard part was never the drying — it's the documentation, the adjuster, and the fear that you'll get something wrong and the claim won't pay. That's exactly the part we take off your plate. Power Dry has worked insurance claims for years, and we build your file the way carriers expect to see it from the very first reading.
How it works
We document the loss to standards
From the moment we arrive: photos, moisture-meter readings, affected-material inventory, and an itemized scope written to insurance standards. A well-documented claim is a claim that gets approved — we capture it correctly so nothing gets disputed or left out later.
We bill your carrier directly
In most cases you don't front the cost of the mitigation work — we invoice your insurance company directly for the covered scope. Your job is to focus on your family; ours is to deal with the billing.
We coordinate with your adjuster
We speak their language. We share our documentation, justify the scope of drying and demolition, and keep the claim moving so you're not stuck playing telephone between us and your insurer.
What insurance usually covers
Every policy is different, but for a covered water or fire loss, homeowner's insurance commonly pays for:
- Emergency water extraction and structural drying
- Fire and smoke damage cleanup and deodorization
- Tear-out of unsalvageable materials (drywall, flooring, insulation)
- Containment and protection of unaffected areas
- Mold remediation, when it results from a covered loss
Sudden, accidental events — a burst pipe, a failed water heater, a fire — are typically covered. Long-term seepage or unaddressed maintenance issues often are not. If you're unsure, call us. We'll tell you honestly how a loss like yours usually gets handled, and we'll document it either way.
Your deductible — and what it costs you
On a covered claim, you're generally responsible for your policy deductible, and we bill the rest to your carrier. We'll be upfront about your out-of-pocket portion before work begins — no surprises. If cost is a concern, talk to us early; we'd rather work out a clear plan with you than have you delay help while damage spreads.
What to do right now
- Stop the source if it's safe — Shut off the water main, or leave the building immediately for fire and smoke. Your safety first, always.
- Avoid electrical hazards — Don't walk into standing water near outlets or panels.
- Call us early — The faster we extract water and start drying, the less damage there is and the smaller your claim. Speed protects your home and your wallet.
- Take a few photos — If you safely can, before anything is moved — but don't worry about getting it 'right.' Full documentation is our job.
- Open a claim — Call your insurer to open a claim — or call us first and we'll walk you through it. Either order is fine.
Insurance FAQs
Do I have to pay before insurance reimburses me?
For most covered mitigation work, no. We bill your carrier directly for the approved scope. You're typically responsible only for your deductible.
Will filing a claim raise my rates?
That's between you and your carrier, but a single sudden-loss claim (like a burst pipe) is very different from a pattern of claims. We document the loss thoroughly so your claim is as strong as possible — what you do with it is your call.
What if my adjuster says something isn't covered?
It happens. Because we document to insurance standards from minute one, we can show the evidence behind every line of our scope and advocate for the work your home actually needs. We coordinate directly with the adjuster so you're not stuck in the middle.
Can I use my own restoration company?
Yes. You have the right to choose your own restoration company. Insurers may 'recommend' a preferred vendor, but the choice is yours — you can hire Power Dry directly.
What does it cost me to get an assessment?
Call us first. In an emergency, the priority is getting water out and drying started fast — we'll explain your covered scope, your likely deductible, and the plan before work begins.