We work with every major insurance carrier.

Yes — direct billing is available where the carrier allows it. We invoice the carrier on completion and coordinate with your adjuster throughout the job. For carriers that require homeowner-pay-then-reimburse, we provide Xactimate-compliant estimates and detailed daily documentation so your reimbursement is straightforward.

Almost certainly. We routinely work with every major US carrier (State Farm, Allstate, USAA, Travelers, Liberty Mutual, Farmers, Nationwide, Progressive, AAA, GEICO Commercial, Chubb, The Hartford, and others) plus the major TPA networks (Crawford, Sedgwick, Alacrity, Contractor Connection, Code Blue). If your carrier isn't listed, call us — we'll confirm same day.

Xactimate is the industry-standard pricing software insurance adjusters use to calculate restoration costs. Carrier-ready Xactimate estimates speed up claim approval and reduce supplement back-and-forth. Every DRR scope is documented in Xactimate format from day one — line-item, defensible, and what your adjuster expects to see.

A supplement is an additional claim filing for damage discovered during the job that wasn't visible at initial scope (hidden mold, deeper saturation, structural compromise behind drywall). Yes — we negotiate supplements directly with your adjuster and provide the moisture readings, photos, and structural notes that justify them.

DRR is a contractor, not an insurance party. Whether a claim affects your rates depends entirely on your policy and carrier — the contractor you choose for restoration doesn't factor in. What does affect your claim outcome is documentation quality and scope defensibility, both of which are what we deliver.

Some carriers maintain preferred-vendor lists tied to specific TPA contracts. DRR is not a preferred vendor for every carrier we work with — but you, as the policyholder, have the legal right to choose any licensed contractor for your restoration. Many adjusters prefer working with documented IICRC-certified firms regardless of preferred-vendor status because the documentation quality reduces their workload.

In most covered claims, yes — your deductible is what you pay out of pocket, and we work directly with your carrier for the remainder. Exceptions exist (uncovered scope items, depreciation hold-back on actual cash value policies), but those are explained up front in writing. We never start work that isn't documented and authorized.