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Home < Restoration Services < Water Damage Insurance Claims

Residential Emergency Water Damage Insurance Claims

If you’ve had water damage or a flood emergency at your home or business, Modernistic can help you navigate the uncharted waters of making an insurance claim.

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Your Guide in Uncharted Territory

Modernistic understands that unexpected flooding to your home or business can be stressful and expensive. It is important to know the details of your flood insurance policy and when and how to file flood and water damage insurance claims. Luckily, Modernistic has working relationships with every major insurance carrier in Michigan.  These relationships and knowledge of the claims process will be put to work for you.  We will help you navigate the unknown territory of making a claim and will work with your adjuster to ensure a speedy restoration process.

In tough situations like property damage emergencies, communication is key.  We make sure our customers stay informed during every step of the water damage restoration and flood cleanup process.  Our technicians are trained to carefully document the entire project to make the processing of the claim Simple & Quick.  

Filing a Michigan Flood Insurance Claim 

The experts at Modernistic know that filing a flood insurance claim can be intimidating and confusing. Allow our professionals to assist you with every step of filing your flood insurance claim, helping with unfamiliar paperwork and documentation requirements. We make certain that your water restoration claim is accurate and complete, allowing you to recover from a flood emergency quickly and with peace of mind. 

In order to help with the filing of your flood insurance claim, Modernistic will provide the following: 

  • Appropriate documentation and photographs of water-damaged areas 
  • Moisture and humidity readings required to process your water restoration claim 
  • Daily project updates to you and your Insurance Adjuster if they would like
  • A detailed estimate using Industry approved software that outlines the steps needed to be taken to return your property to a dry standard. 

We work with you and your insurance company to thoroughly document the damage to your property and the resulting expense needed to mitigate the issue.

Estimating Water Damage Insurance Claims 

When filing a flood insurance claim, accurate billing is very important to make sure you receive the correct reimbursement from your insurance company. Modernistic uses the Xactimate billing system, the water restoration industry’s most accurate professional property damage estimating software. This software ensures consistency, fairness, accuracy, and speed for your flood damage insurance claims in stressful situations, from small water damage cases to large water restoration property damage catastrophes. 

Our experts minimize the amount of water damage to your property after an emergency flood by providing service as quickly as possible anywhere in our service areas and efficient water removal. We strive to avoid any unnecessary or additional property damage and delayed insurance settlements with careful planning and detailed documentation. Our customers benefit from daily updates, direct consultation, and approximated completion dates. Recover from your flood emergency as quickly as possible; hire the professionals at Modernistic to assist you every step of the way. 

Frequently Asked Questions

Water Damage Insurance Claims

Every policy is different.  Even policies that have flood insurance and special water damage coverages have exclusions.  When in doubt, contact your agent.  They will ask you some questions about the situation and will determine if and what kind of coverage you have.

All policies are different.  Some do not cover personal property lost due to the flood emergency.  Others have full replacement costs and others allow for only partial cash value reimbursements based on the item’s age and depreciation.  Discuss the items you’re concerned about with your Modernistic Project Manager and he or she will be happy to advise based on experience.

It is best to file the claim as quickly as possible – the sooner the better.  You can always add more detail and documentation after the fact, which Modernistic will help with, but putting your carrier on notice in a timely fashion is critical.

We're Honored to Serve!

“Brandon and his whole team were just amazing. Extremely helpful - there was a lot to move. I am so impressed with how fast they got here, and also that each of them showed such care for my home, and such patience with me!”
Georgia N., Otsego, MI
“Hey Tony, I just wanted to let you know how awesome your team was. Without exception, they were knowledgeable, helpful and honest. Other contractors lack essential qualities that your team has. I appreciate all your hard work and theirs. Thanks!”
Faye R., Battle Creek, MI
“They didn't just fix the damage from my sump pump failing in the basement. The fixed my brain and my heart too. Just the best. The very best two guys came to my house on a Saturday. I can't say enough good things.”
James C. , Harrison Township, MI
“I feel blessed to have Dan looking out for me and my home. Please tell him thank you - what a fine representative of your company!”
Joan N., Swartz Creek, MI
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