What's typically covered (and what isn't)
| Cause of loss | Standard policy | Need endorsement? |
|---|---|---|
| Burst supply line | Covered | No |
| Appliance overflow (sudden) | Covered | No |
| Storm-driven rain (roof opened by wind) | Covered | No |
| Sewer/drain backup | NOT covered | Yes (sewer backup endorsement) |
| Ground water / flooding | NOT covered | NFIP flood policy |
| Gradual / long-term leaks | NOT covered | No fix available |
| Mold (without water cause) | NOT covered | Mold endorsement |
Step-by-step claim process
- Stop the water source and document with photos/video FIRST
- Call your insurer's claims line and get a claim number
- Call us at (336) 800-8297 for emergency mitigation — your policy requires you to "mitigate further damage"
- Save receipts for any emergency supplies (tarps, towels, fans)
- Schedule the adjuster's visit — we coordinate timing with mitigation
- Provide the adjuster with our written scope, moisture logs, and photos
- Once approved, we bill the carrier directly for the agreed scope
Working with adjusters in Guilford County
Greensboro-area adjusters from major carriers (State Farm, Allstate, USAA, Nationwide, Erie) all recognize the standard IICRC S500 mitigation scope we use. We provide adjusters with calibrated moisture readings, before/during/after photos, an itemized scope using Xactimate-compatible line items, and daily drying logs. Claims with this level of documentation get approved faster and with fewer disputes.
Frequently asked questions
Need a Greensboro water damage crew right now?
We answer live 24/7. Free on-site estimate. Flat-rate pricing. Direct insurance billing.
CALL (336) 800-8297