We make property claims simpler from day one to move-in. When loss happens, you’re juggling emotions, deadlines, and unfamiliar paperwork. We’ll document everything, meet the adjuster on-site, build line-item estimates, and keep you updated until the close-out check is in your hands.

How We Operate:

1.) Day-1 stabilization: Secure the property, stop further damage, protect coverage.

2.) Adjuster-ready documentation: Photos, moisture maps, scope notes, daily logs.

3.) Line-item estimates: Xactimate-style with industry codes & quantities.

4.) Carrier coordination: Meet adjusters, answer RFIs, provide supplements when hidden damage appears.

5.) Transparent billing: You see scope, materials, and change orders; no surprises.

6.) We’re not your insurer or attorney: We simply make the restoration side of your claim smooth, clear, and fully documented.

1.) Report the Loss:
Call your carrier or agent. Get a claim number and your adjuster’s contact.

2.) Mitigation Authorization:
Sign our Emergency Services Agreement so we can secure, dry, and protect the property.

3.) Inspection & Stabilization:
Board-up/tarp, water extraction, corrosion control; start documentation.

4.) Scope & Estimate:
We write a standards-aligned scope with photos and quantities.

5.) Adjuster Meeting:
On-site walk-through; align on scope, needed tests (HVAC, asbestos/lead where applicable), and timeline.

6.) Approval & Work:
We proceed per approved scope; if hidden damage appears, we submit a supplement with justification.

7.) Verification & Close-Out:
Final photos, moisture/odor verification (as applicable), signed completion; invoice sent to carrier/you per the policy terms.

8.) Rebuild (if needed):
Permits, inspections, finishes, punch-list documented end-to-end.

1.) Time-stamped photos & video (arrival → completion).

2.) Moisture logs & maps (materials, readings, dry-standard targets).

3.) Contents inventory (salvageable vs. non-salvageable with photos).

4.) Containment diagrams & pressure checks (mold/fire/occupied rebuilds).

5.) Labor, equipment, & materials (daily).

6.) Change orders & supplements (with reason codes and proof).

1.) Deductible: Your out-of-pocket amount before the carrier pays.

2.) ACV vs. RCV: ACV = depreciated value now. RCV = replacement cost; often paid in two parts (ACV first, depreciation released after you complete work and submit invoices).

3.) Ordinance or Law (Code Upgrades): Covers cost to meet current building code when required (e.g., smoke alarms, insulation, egress).

4.) ALE/LOU (Additional Living Expense/Loss of Use): May cover temporary housing if your home is uninhabitable.

5.) Subrogation: If another party caused the loss (e.g., appliance failure), your carrier may recover from them later.

6.) Mold/Fungi Limits: Many policies have caps or endorsements scope carefully to maximize what’s allowed.

7.) We’ll flag items commonly missed on first pass (HVAC smoke cleaning, sealed framing, insulation replacement, material match/availability, code-triggered upgrades).

1.) Take safety photos of every room (wide → medium → detail).

2.) Save receipts for emergency spending (tarps, fans, hotel).

3.) Do not discard damaged items until photographed/inventoried.

4.) List rooms & items you notice later—odor “hot spots,” recurring moisture, etc.

5.) If safe, shut off water to leaking fixtures; protect valuables/meds/documents.

6.) Share your claim # and adjuster contact with us.

1.) Don’t delay mitigation, policies require you to prevent further damage.

2.) Don’t discard damaged items before photographing & listing.

3.) Don’t authorize non-standard shortcuts that could void parts of coverage.

4.) Don’t sign contracts you don’t understand ask us to explain the scope in plain English.

Allstate • Amica • Chubb • Farmers • Liberty Mutual • MAPFRE • Nationwide • Progressive • State Farm • Travelers • USAA • and more.

Berkshire Fire & Water Restoration is an independent contractor and is not endorsed by, sponsored by, or affiliated with the listed carriers.