We Work With All Insurance Companies
Don't let insurance paperwork slow down your recovery. New Image Restoration handles the entire claims process — from documentation to adjuster coordination — so you can focus on your family while we handle the details.
Why This Matters
Insurance Claims Shouldn't Add to Your Stress
When water pours into your basement at 2am or a fire rips through your kitchen, the last thing you need is to figure out how to navigate a homeowner's insurance claim. Claims adjusters, scopes of work, Xactimate estimates, supplement negotiations — it's a full-time job just to understand the process.
New Image Restoration has filed thousands of insurance claims over our 15+ years in business. We know what adjusters look for. We know how to document damage properly. We know which parts of a restoration are typically covered and which require special documentation. Most importantly, we know how to advocate for our customers to get the coverage they're entitled to.
When you call us, you get a restoration company and an insurance navigation partner in one. No extra cost. Just one less thing to worry about during an already stressful situation.
How It Works
The Insurance Claims Process With New Image
Call Us First
Before you call your insurance company, call us. We'll assess the damage and help you understand what's covered. This prevents common mistakes that can hurt your claim.
We Document Everything
Our team photographs and documents all damage using Xactimate — the industry-standard software your insurance company uses. Thorough documentation = stronger claim.
We Contact Your Insurer
We open your claim and communicate directly with your insurance adjuster, providing all required documentation and advocating for fair coverage of your loss.
Restoration Begins
We start work immediately — emergency mitigation doesn't wait for insurance approval. This limits further damage and demonstrates responsible stewardship of your property.
Adjuster Review
Your adjuster reviews our documented scope and estimate. We're available to walk them through the property and answer any questions about our restoration plan.
Final Walkthrough & Sign-Off
Once restoration is complete, we do a final walkthrough with you to ensure everything meets your expectations — then handle the final billing directly with your insurance.
Every Carrier. No Exceptions.
Insurance Companies We Work With
Don't see your insurer? Don't worry — we work with every carrier operating in PA, NJ, and DE. Just call us.
Common Questions
Insurance FAQ
Does homeowners insurance cover water damage restoration?
In most cases, yes — but it depends on the source of the water. Sudden and accidental water damage (burst pipe, appliance failure, ice dam) is typically covered. Gradual leaks, flooding from outside, and sewer backups usually require separate riders or flood insurance. We'll help you understand your coverage on day one and document everything properly to maximize your claim.
Do I need to pay anything upfront?
In most cases, no. We work directly with your insurance company. You'll be responsible for your deductible (the amount you agreed to pay out-of-pocket when you set up your policy), but beyond that, your insurance carrier handles the payment. We'll guide you through the deductible process and make sure there are no surprises.
Will you talk to my insurance company directly?
Absolutely. We coordinate directly with your insurance adjuster throughout the entire process — from initial damage documentation through final sign-off. Our teams have handled thousands of insurance claims and know what adjusters look for. We document damage thoroughly, using industry-standard estimating software (Xactimate) that insurance companies trust.
What if my insurance claim is denied?
Claim denials do happen, but they're not always final. If your claim is denied, we'll help you understand the reason and explore your options — including requesting a re-inspection, providing additional documentation, or connecting you with a public adjuster if needed. We've successfully helped many customers overturn initial denials.
How long does the insurance claims process take?
Every claim is different, but most straightforward claims are resolved within 2–4 weeks. Complex claims or disputed coverage may take longer. The good news: we don't wait for the insurance process to start work — we can begin emergency mitigation and stabilization immediately, with full documentation to support your claim. This actually speeds up the overall timeline.
Do you work with all insurance companies?
Yes — every major carrier and most regional carriers. State Farm, Allstate, USAA, Liberty Mutual, Erie, Travelers, Nationwide, and all others. If you don't see your insurer in our list, don't worry — call us and we'll confirm. We've worked with virtually every carrier operating in Pennsylvania, New Jersey, and Delaware.
Let's Get Started
Get a Free Estimate & Insurance Consultation
Tell us about your damage and we'll call you within 15 minutes to discuss your coverage options and next steps.