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Navigating insurance can be confusing after a disaster. We want to make the process easier for you, so here are a few answers to some common questions we get about insurance and the restoration process.

What kinds of damage will be covered by my insurance provider?

Each insurance provider is different, but here’s a general outline for what may or may not be covered by your provider:

  • Water damage: Water damage caused by problems such as leaky pipes and damaged roofs will usually be covered. However, water damage from overflowing rivers and other types of major flooding are generally excluded from most policies.
  • Fire damage: Any kind of damage from fires are covered by most providers, regardless of the cause of the fire. Insurance providers will often pay for fire and smoke residue cleanup, water extraction, contents restoration, property reconstruction, and any other cleanup services you may need.
  • Storm damage: Damages caused by ice, snow, wind, and rain are generally covered, with the exception of flooding caused by overflowing lakes and oversaturated soil. If the wind damages your roof and water leaks into your home, that should be covered as well.
  • Mold growth: Some insurance providers require you to have a separate mold growth policy. In other cases, mold removal services should be covered—particularly if the mold was directly caused by a covered item, such as a burst pipe.

Will my insurance provider cover things like contents restoration and reconstruction?

It depends on the type of damage.

If the damage is covered, then your provider should pay for every aspect of the cleanup process, from initial debris removal to reconstruction. However, if the type of damage isn’t covered, such as flood damage, from an overflowing lake, then you will usually have to pay for contents restoration and reconstruction.

When should I call my insurance company after a disaster?

Call your insurance company to open the claim immediately after you call a restoration company. Your insurance company will then send an insurance adjuster to help determine what’s covered and what isn’t.

Does Rapid Restoration accept my insurance?

Yes! We are happy to work with all insurance companies! Once you open the claim, we’ll take care of the rest.

Does homeowner’s insurance include flood damage?

In most cases, no. Flood damage is often a separate policy, and in some areas in Minnesota, you are required to purchase separate flood insurance.

Can I remodel my home instead of restore it after an emergency?

Yes, but your insurance company most likely won’t cover the extra cost. Most homeowner’s insurance policies only cover to restore and replace of similar value.

Do I have to use the restoration company recommended by my insurance company?

No, you are not obligated to use the restoration company recommended by your insurance company.

What do I have to do to file a claim?

Each insurance company is different, so it’s important to call them as soon as you can after your home has been damaged. They’ll walk you through the process and help you open the claim.

What’s the insurance process like?

You can get a better idea of what the insurance process is like here, but here’s a basic overview of what to expect:

  1. You’ll open a claim with your insurance company.
  2. Your insurance company will send an insurance adjuster to your home to determine what’s covered and what isn’t.
  3. You’ll pay the deductible to us, and we’ll collect the remaining payment from your insurance company.

What is an insurance adjuster?

An insurance claims adjuster is someone your insurance company sends to determine what’s covered and what isn’t covered when your home is damaged.

What should I have ready when I call

When you call us, make sure you know how much your deductible is. While waiting for us to come, take pictures and document the damage, as that will make it easier for you when the insurance adjuster comes.


Rapid Restoration helped me with a biohazard situation. One of my best friends took his life with a shotgun and I needed a company to come out and take care of the aftermath. I sent out several emails but Rapid Restoration was the only company to respond back to me. They called me within a few minutes and I was able to set up an appointment for the following morning. The best part is that they showed up ON TIME! Thanks to Rapid Restoration, my friend’s family was able to go inside the home and not be horrified. I give Rapid Restoration my highest recommendation!

Justin R.

I’ve used Rapid Restoration DKI numerous times on my residence and a rental property that I own. I’ve always had courteous, professional treatment. They were very responsive to my requests and provided accurate, timely estimates. I was most impressed at how quickly they were able to respond to issue that required immediate attention so that damage did not reach other areas of the home. By definition, this company is responding to homeowners who are in dire straits, and yet I always felt like I was treated fairly and they provided a value service.

Greg W.

I have used Rapid Restoration multiple times on our home we live in as well as rental properties. They are the BEST! They are quick to respond, they handle all the insurance headaches, and do top notch work at a fair price. They check in regularly to make sure we are happy with the work and their crew is so friendly! I would highly recommend them!

Vicki S.

This company helped us out when we didn’t know where to turn. We had a sewer back up and there was raw sewage everywhere… A friend had said to call Rapid Restoration, so we did. And I am so glad we did. Not only were they at our house in about an hour, but they started the clean up right away – on a weekend night! They proceeded to tell us what the problem was, and what they were going to do to fix it. They were a great bunch of guys and the communicated very clearly to us throughout the whole process. I am very impressed with their workmanship. Having a sewer backup is one of the worse things that can happen in your house. I am so thankful there is still such a trustworthy and hardworking company you can contact to help out in such a predicament. Thank you!

Kim C.

This is the 2nd time we’ve used DKI Rapid Restoration. On July 12, 2017, a tornado hit Forest Lake and a 15 ton tree fell on our home and basically split our home in two. We were in shock and really did not know what to do. Our bedroom and sunroom were open to the sky, had insulation, sheetrock, glass and debris everywhere. We called DKI and they responded quickly, took the stress off of us and took control of the debris removal, cleanup and helped us work with insurance after this devastation. Chad, Ryan, Randy were excellent – professional, courteous, ongoing communication/updates and incredibility knowledgeable. They put down floor protection throughout the house before they started hauling out the debris. They helped us sort out what could be salvaged (and not) – it was laid out and organized in the garage so we could easily see all of our belongings. It was also so nice not to worry about all of the different subcontractors and work that needed to be done. DKI coordinated it all – debris removal, tree removal, dry-cleaning (all of our clothes were covered in insulation), jewelry cleaning (I had 85 pieces of jewelry – all covered insulation), dumpster rental, etc. They also boarded up the side of our house that was open to the elements. All of this work was done in three days! I am so thankful for their excellent service and work. I highly recommend them!

Tammy P.

Rapid Restoration was quick to help me with my oven cleanup after a fire. After an emergency you want someone to be kind and understanding and their staff were all completely professional. The staff was respectful of my home and family during the cleaning, they did an excellent and detailed job and I would highly recommend their services to others.

Alice S.

Rapid helped me with a water damage repair in the basement of a home that we were buying last summer. They responded quickly, got the job done, and sent all the information to my mortgage company for me. I would highly recommend Rapid Restoration if you are in need of help in your home or place of business. The technicians and office staff are very friendly and have great communication throughout the process.

Ashley L.

Rapid Restoration DKI

1900 County Rd C West
Roseville, MN 55113