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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 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 Langiewicz

I have been using Rapid Restoration for a few years now… We own 5 rental properties, and rapid restoration has helped us with water damage, carpet cleaning and deodorizing, plumbing issues, etc. I like them because they respond right away, and since I now have an established relationship with them, and have enough experience to trust their work, I feel more at peace when a crisis happens at one of my properties.They aren’t limited to just water issues, but fire damage, mold damage, storm damage, too.

Rebecca H.

Dear Rapid Restoration / DKI Management.

I wanted to send a letter of recognition regarding the exceptional experience I had working with your company. I have never contracted with a construction firm that was so responsive, communicative, prepared and approachable. From the estimation process with Kerry, through to the final touches, the project and process was very crisp and organized. The crew was amazing and everyone was conscientious of quality workmanship in every aspect of the project. I’d like to especially thank Pat, who was on site and available every day until the project was complete. I’d also like to thank Josh, Kalvin and Chad. These guys were amazing and put in a lot of time and effort to get things done and done well. Having to deal with a major water damage situation that I “inherited”, it was painful for me as the homeowner. However, I felt that this crew did everything they could to give me the best quality solution without having to replace every board and nail which would have been a greater cost to me. Please know that I will be recommending Rapid Restoration/DKI whenever I have an opportunity to do so. Finally, although I hope I will never need to, your company would be my absolute first choice should I have a restoration project in the future.

Thank you!!

Rachel S.

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.

Rapid Restoration DKI

1900 County Rd C West
Roseville, MN 55113