Restoration for Insurance Adjusters

Section 01 · How we work with adjusters

Built for the contractor file you trust.

You know which contractors document properly, scope accurately, and communicate cleanly — versus the ones who inflate scope and turn a routine claim into a three-month dispute. We’re built for the first category.

Scope you can trust

We bid the work that’s actually needed. Cat 1 water gets bid as Cat 1, not Cat 3. A 200-square-foot area gets bid at 200, not 600. We don’t pad estimates to absorb future change orders — the scope you see is the scope we work.

Documentation built for claim review

Every job includes photo documentation, moisture readings, affected-material inventory, a scope-of-work breakdown by IICRC standard, daily progress notes on multi-day jobs, and final clearance documentation — in the format your carrier’s claim system expects. You don’t have to translate.

IICRC standards on every job

S500 for water & sewage, S520 for mold remediation, S700 for fire & smoke — industry standards your carrier already recognizes. We document each step against the applicable standard, so the file shows compliance throughout.

Direct communication when authorized

With the policyholder’s written authorization, we communicate directly with you — scope updates, scope-change documentation, supplemental requests with full justification. We don’t go around you to the policyholder or vice versa.

No surprise supplementals

If we open a wall and find more damage than the original scope, we document it immediately, photograph it, give you the updated scope in writing with IICRC-standard justification, and wait for authorization before continuing. No supplemental sprung on you at the end of the job.

We don’t act as a public adjuster

That’s a separately licensed role. We’re the contractor — we document the damage, we work to scope, we follow IICRC standards. We don’t negotiate coverage on behalf of the policyholder.

Section 02 · What gets documented

Documented on every job.

Each damage type is documented against the IICRC standard your carrier recognizes — in the format your claim system expects. No translation, no rework.

IICRC S500

Water damage

Source of loss and category classification (Cat 1, 2, or 3)
Class of water damage (1–4) based on porosity and absorption
Initial moisture readings across all affected materials
Daily moisture readings during dry-out
Drying equipment count, type, and placement
Affected material inventory (removed vs dried in place)
Final moisture readings demonstrating dry standard achieved
Time-stamped photo documentation throughout

IICRC S520

Mold remediation

Affected area dimensions and Condition classification (1, 2, or 3)
Containment barriers, negative-air-pressure setup
HEPA filtration equipment and ACH (air changes per hour)
Material removal scope with disposal documentation
Antimicrobial treatment products and application
Third-party clearance testing results (independent industrial hygienist)
Photo documentation throughout

IICRC S500 Cat 3

Sewage & biohazard

Source and category of contamination
Containment and PPE documentation
Disinfection products and application protocols
Affected material removal and disposal documentation
Final sanitization verification
Photo documentation

Fire & smoke

Fire and smoke damage

Affected area mapping
HVAC system contamination assessment
Soot and odor source identification
Cleaning method documentation by surface type
Final odor verification

This is the format your carrier’s claim system expects. No translation, no rework — the file shows compliance against the applicable standard throughout.

Section 03 · Why adjusters refer to us

A cleaner file, every time.

Accurate scope, carrier-recognized documentation, independent clearance, and one point of contact — the reasons adjusters keep us on their vendor lists.

Accurate scope, no padding

We bid the work that’s needed — nothing manufactured to absorb future change orders.

IICRC documentation across all damage types

S500, S520, S700 — industry-standard, carrier-recognized, consistent from job to job.

Third-party mold clearance

We don’t perform clearance on our own remediation. Independent industrial hygienists handle testing — which removes the conflict-of-interest issue that comes up when remediation companies self-certify their work.

Same project manager from call to close

A direct line of communication. You’re not chasing department transfers.

Reconstruction in-house

CSLB #1078518 B-General Building Contractor. Mitigation and reconstruction under one license, one scope, one timeline — a cleaner claim file than dealing with two contractors.

55-minute response target

Critical for water damage, where each hour increases secondary damage and supplemental requests.

HAZ certified

Hazardous material handling for confirmed asbestos or lead in older buildings.

Section 04 · Carriers we work with

Every major California carrier.

We’ve worked claims through every major California-active carrier and most regional ones. Our documentation integrates into any claim system without modification.

State Farm Farmers Allstate USAA AAA Liberty Mutual Travelers Mercury Nationwide Progressive Safeco MetLife Hartford Chubb CSAA Pacific Specialty Wawanesa Don’t see your carrier? Call (818) 486-6546 →

Section 05 · Damage we handle

Every loss type, one license.

Mitigation through reconstruction under CSLB #1078518 — one scope, one timeline, one accountable team across every damage type.

Water damage restoration

Extraction, structural drying, and moisture verification documented to IICRC S500.

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Mold removal & remediation

Containment, removal, and antimicrobial treatment to S520, with third-party clearance.

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Fire damage restoration

Structural cleanup, soot removal, and reconstruction with mapped, documented scope.

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Smoke damage restoration

HVAC assessment, surface-by-surface cleaning, and final odor verification.

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Sewage cleanup & sanitization

Category 3 containment, removal, and disinfection documented to IICRC S500 Category 3.

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Reconstruction & build-back

In-house B-General rebuild — one license, one scope, one timeline through close.

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Section 06 · Credentials

Licensed, certified, independent.

The credentials behind a clean claim file — verifiable license, recognized certifications, and clearance from a party with no financial interest in the outcome.

License

CSLB #1078518

B-General Building Contractor — mitigation and reconstruction under one license.

Certification

IICRC S500 / S520 / S700

Water, mold, and sewage / biohazard standards documented on every applicable job.

Certification

HAZ certified

Hazardous material handling for confirmed asbestos or lead in older buildings.

Independence

Third-party clearance

Mold clearance comes from an independent industrial hygienist — no self-certification.

Single contact

Same PM, call to close

One project manager carries the file from dispatch through final walkthrough.

Speed

55-minute response target

Fast on-site arrival limits secondary damage and the supplementals that follow.

Section 07 · Frequently asked questions

Questions adjusters ask.

How we handle approvals, scope disputes, supplementals, clearance, and onboarding — answered the way an adjuster needs them.

Do you work with all major carriers?

Yes. We’ve worked claims through every major California-active carrier — State Farm, Farmers, Allstate, USAA, Liberty Mutual, Travelers, Mercury, AAA, and most regional carriers. Our documentation format matches industry standard, so it integrates into any carrier’s claim system without modification.

Do you require carrier approval before starting emergency mitigation?

For obvious covered losses (burst pipe, appliance failure, sudden water event), we begin mitigation immediately to prevent secondary damage — which is industry-standard practice and what most carriers expect. We document the emergency scope and begin coordinating with you within 24 hours. For non-emergency or coverage-questionable losses, we wait for carrier authorization before beginning work.

How do you handle scope disputes?

We document everything to IICRC standard. If a scope item is disputed, we provide the IICRC standard reference, photo evidence, and moisture readings or material observations supporting that item. We don’t argue — we provide documentation. Most disputes resolve quickly when both sides have access to the same standards and evidence.

What about supplementals?

We minimize them by scoping accurately upfront. When a supplemental is genuinely needed (hidden damage discovered during work), we document it immediately with photos and IICRC-standard justification, send it to you in writing, and wait for authorization before performing the supplemental work. We don’t perform supplemental work first and request payment later.

Do you handle mold testing?

No — and this is intentional. Mold remediation companies that perform their own testing have an obvious conflict of interest, and self-certified clearance creates exposure for the carrier on future claims. We perform remediation only. Independent third-party industrial hygienists handle pre-remediation testing (when needed for scoping) and post-remediation clearance. The clearance documentation comes from a party with no financial interest in the outcome.

How do you document moisture readings?

Calibrated moisture meters (penetrating and non-penetrating) with daily readings logged by location, material type, and percentage moisture content. Initial readings establish baseline, daily readings track progress, and final readings demonstrate dry standard achieved per S500. All readings time-stamped and photographed.

Do you do emergency board-up and tarping?

Yes. Emergency stabilization is documented separately from mitigation scope and is standard covered work on most policies.

Can you provide certificates of insurance and W-9s for vendor onboarding?

Yes. General liability, workers’ compensation, and contractor’s bond per CSLB requirements. Certificates and W-9s provided within 24 hours of request. Most carriers have us on file from prior claims.

What if the policyholder wants a different scope than what’s covered?

We work to the covered scope and document upgrades or out-of-scope items separately. Upgrades are billed directly to the policyholder, not the carrier. The claim file stays clean — covered scope is one document, upgrades are another. The carrier doesn’t pay for upgrades and the policyholder isn’t surprised by what they owe.

How fast do you respond to scope requests from adjusters?

Same day for emergency damage, 24–48 hours for non-emergency scope updates. We don’t sit on adjuster communications.

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Section 08 · Ready when you need us

Straightforward claims start with the right contractor.

Active claim? Dispatch now.

24/7 dispatch across LA, Ventura, and Orange Counties — documentation starts on arrival.

(818) 486-6546

Add us to your vendor list.

Documentation that integrates into your claim system, accurate scope, and a single point of contact from call to close.