Do you work directly with insurance companies?
Yes. We work directly with your insurance company on covered water and mold claims, from the first inspection to the final cleared result. We document the loss the way an adjuster needs it, communicate with your carrier throughout, and bill the claim directly where the policy allows, so you are not stuck playing middleman between a contractor and an insurer who do not speak the same language.
That said, there is one honest distinction worth setting straight up front, because the question often carries a hidden assumption. Working with your insurer does not mean everything is free. Our on-site free inspection for property owners is genuinely free with no obligation. Independent third-party lab testing and analysis, when a job calls for it, is a paid add-on, sometimes covered by your policy and sometimes not. We will tell you which is which before any work begins, in writing, so there are no surprises on either the claim or the invoice.
What “working directly with your insurance” means in practice
When water damage or mold shows up in a home or commercial building, the claim usually runs on documentation. An adjuster who never set foot in your property decides what is covered based on the evidence in front of them. If that evidence is thin, the claim drags, gets reduced, or gets denied. Our job is to make sure the evidence is complete, accurate, and credible from day one, so the people deciding your claim are working from facts rather than guesswork.
In practice that means we photograph and map the affected areas, log moisture readings by location and date, record the source and category of the water, and write a clear scope of the work the property actually needs. That record is exactly what a carrier wants to see, and it is the same documentation we would produce whether or not a claim were involved, because measuring the problem honestly is how we operate. We then communicate with your adjuster directly, answer their questions, and where your policy allows it, we bill the carrier rather than asking you to pay out of pocket and chase reimbursement later. You can read the full breakdown on our water damage insurance claims page.
One thing we will never do is inflate a scope to pad a claim. We are an anti-upsell company. If a structure can be dried and saved rather than torn out, we say so, even when a bigger demolition would mean a bigger invoice. An adjuster who has worked with us once tends to trust our documentation the next time, and that trust is part of what gets honest claims paid without a fight.
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Free inspection, paid lab testing: keeping the two straight
This is the point people most often get wrong, so it is worth being plain about. The free inspection we offer property owners is a real, no-cost, no-pressure visit. A certified technician comes out, looks at the property, takes moisture readings, traces where water traveled, and tells you in plain English what is going on. There is no charge and no obligation to hire us afterward.
Lab testing is a separate, paid service. When a situation calls for confirming the species of mold present, clearing a remediated area, or settling a dispute with hard data, we collect samples and send them to an independent third-party laboratory for analysis. We use an outside lab on purpose: the company doing the cleanup should never be the company grading its own homework. That independence is what makes the result credible to an adjuster, a buyer, or an HOA board, and it is why the analysis carries a real cost rather than being folded in as a freebie.
Whether your policy reimburses that testing depends on your coverage and the cause of loss. We will lay out, before we sample anything, what the testing costs, why it is worth doing for your specific situation, and whether it is likely to fall under your claim. You decide with the full picture in front of you. That is the same calm, factual approach we bring to the rest of the our process, from the first reading to the final clearance.
What to do next
If you are dealing with active water damage or visible mold and you think a claim may be involved, the sequence is simple. First, stop the water source if you safely can and avoid disturbing suspected mold, since disturbing it spreads spores. Second, photograph everything before anyone touches it, because that early record helps your claim. Third, call us for a free on-site inspection so the loss gets documented properly from the start.
You do not need to have filed your claim before you call us, and you do not need to figure out your coverage alone. We will inspect the property at no cost, document what we find to the standard an adjuster expects, and walk you through what is likely covered, what testing if any makes sense, and what the remediation scope should be. If you want to understand the cleanup itself before you commit, our mold remediation overview lays out exactly how a job runs and how an independent lab verifies the result. When mold is a health question rather than a paperwork one, the standards we work to were co-authored by our own founder, Craig Herrmann, so the guidance you get is grounded in the rulebook, not in scare tactics.
Related questions
- Will you bill my insurance company directly?
- Where your policy allows it, yes. We bill the carrier directly on covered claims so you are not paying out of pocket and waiting on reimbursement. For losses that are not covered, or for portions a policy excludes, we bill you directly and tell you the cost up front. Either way, the documented scope and moisture record we produce is what keeps a covered claim moving. Our water damage insurance claims page covers the billing details.
- Is the mold inspection actually free, or is that just for testing?
- The on-site inspection is genuinely free for property owners: a certified technician comes out, takes readings, and tells you what is happening at no cost and no obligation. Lab testing and analysis are a separate paid service, because confirming a mold species or clearing a remediated area requires an independent third-party lab. We always separate the two clearly and quote any testing before we sample. You can book the free inspection any time.
- Does working with my insurer mean you will inflate the claim?
- No, and we work hard to be the opposite. We are an anti-upsell company: if a structure can be dried and saved, we will not recommend tearing it out for a bigger invoice. We document the loss accurately and scope only the work the property genuinely needs, following the standards our founder helped write. That honesty is exactly what builds adjuster trust and gets legitimate claims paid. You can see how we run a job on our process page.
Have a water or mold claim? Start with a free inspection.
We document the loss the way your adjuster needs it, communicate with your carrier directly, and tell you the cost of any lab testing up front. One-hour emergency response, 24/7, across the Las Vegas valley. No subcontractors, no upsell, no surprises.