You choose your contractor — we handle the claim
We Deal With Your Insurance Company — So You Don't Have To
After a flood, fire, or sewer backup, the claim can feel harder than the damage. We document the loss to insurer standards, work directly with your adjuster, and bill your insurance company ourselves — for a covered claim, you typically pay just your deductible while we get your home back.
The Claim, Step by Step
How a Property Claim Works in Alberta
Most homeowners file one or two claims in a lifetime. We do this every week — here's exactly what happens, in order.
Call us before you touch anything
A specialist answers 24/7 and dispatches a crew. Don’t start cleaning — undisturbed damage is the evidence your claim is built on. We photograph everything exactly as we found it.
We document the loss
Moisture mapping, a photo inventory of damaged contents, and a written scope of work. This is the documentation your adjuster needs to approve the claim — done to insurer standards.
We work with your adjuster
We submit the scope, answer the adjuster’s questions, and agree on pricing directly with your insurer. You’re kept in the loop — you’re just not stuck in the middle.
We restore. You pay the deductible.
We invoice your insurance company directly for the covered work. For a covered claim, your out-of-pocket cost is typically just your deductible — backed by our written guarantee.
Direct Insurance Billing
What Direct Billing Actually Means
On a covered claim, we invoice your insurance company — not you. You don't front the restoration cost, chase a reimbursement cheque, or translate contractor paperwork for your adjuster. Your out-of-pocket cost is typically just your deductible.
Documentation that gets claims approved
Adjusters approve what they can verify. Every job includes moisture mapping, a photo inventory of damaged materials and contents, and a written scope of work — the exact evidence your insurer needs to say yes.
One point of contact for the whole claim
The crew that answers your emergency call carries the job through adjuster approvals and rebuild. You get straight answers about what's covered and what it costs — in writing, before work starts.
Insurance FAQ
Insurance Questions Edmonton Homeowners Ask
Do I have to use the restoration company my insurance recommends?
No. In Alberta, you have the right to choose your own restoration contractor — your insurer can suggest a preferred vendor, but they cannot force you to use one. The company on their list works to keep the insurer’s costs down; we work for you. Either way, your coverage and your deductible stay exactly the same.
Should I call you or my insurance company first?
Call us first — emergency mitigation can’t wait for an adjuster, and every policy requires you to prevent further damage anyway. We stop the loss from getting worse, document everything before it’s disturbed, and then help you report the claim with the details your insurer will ask for.
Do you bill my insurance company directly?
Yes. We work with your adjuster, supply the documentation the claim needs, and invoice your insurer directly for the covered work. You’re not fronting thousands of dollars and waiting for a reimbursement cheque.
What is a deductible, and what do I actually pay?
Your deductible is the fixed portion of a claim you agreed to pay when you bought your policy — commonly $500 to $2,500 in Alberta. For a covered claim, that’s typically all you pay us; the rest goes straight to your insurer. We confirm the numbers with you in writing before work starts.
Will my insurance premiums go up if I file a claim?
Possibly — it depends on your insurer, your claim history, and the size of the loss. That’s why small damage isn’t always worth claiming. At the free assessment we give you a written scope with real costs, so you can compare the repair against your deductible and likely premium impact and decide with actual numbers.
What if my claim is denied?
Most denials come down to documentation or cause-of-loss disputes — which is exactly what our moisture mapping and photo records exist to prevent. If your insurer still denies a claim, you can request a review or file a complaint, and our documentation becomes your evidence. And we tell you honestly at the assessment whether a claim is likely to be covered, before you pay a deductible.
Free Assessment
Get Help With Your Claim
Tell us what happened — we'll call you back within 15 minutes. Or call (780) 479-3285 now and skip the form.
Covered Services
Every Service, Billed Directly
Water Damage
Rapid extraction, drying, and structural protection. We stop the spread and prevent secondary damage.
Fire & Smoke
Soot removal, odor neutralization, and structural cleanup—fast, safe, and thorough.
Mold Removal
Containment, removal, and prevention—built around safety and air quality.
Sewage Cleanup
Sewage backup is Category 3 water — certified extraction, disinfection, and safe disposal, fast.