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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 was excellent to work with on a water damage issue I had discovered. They worked with me on cleaning an affected surface as well as air quality testing so we could have exact information for the best health of the home. They were able to get started the same day and were professional and wonderful to work with from the first phone call through the completion of the job…I appreciated that this team had the skill and abilities to provide information and work up possible plans from “best case to worst case scenario” then take the most fitting action. We found a perfect result for the home at much lower cost than could have been the case without such an honest exam.

Jenna D.

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.

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.

A few days after Christmas, when it rained here in MN. Water started to leak into our basement! After trying to keep up with the water, it was clear we were losing and needed help. When i called Rapid Restoration it was well into the after hours side of things. Chad sent two gentlemen Josh and John who were absolutely fantastic and quick acting! They were able to Isolate the water, and also took over the process of removing the water. Their follow up in the days following this mess was also on point. I highly recommend this company, they certainly saved the day!

Sara L.

We Have used DKI many times and they have always been professional and prompt with great service and quality workmanship!

Kelly N.

General Manager, Chad, fully delivers for Rapid Restoration DKI customers! Employees are also top-notch, meticulous, respectful and knowledgeable. Our family has unfortunately had to utilize the services they provide twice now and both times we were extremely satisfied at the end of a negative situation for any homeowner. Highly recommended.

Andrew 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 Langiewicz

Rapid Restoration DKI

1900 County Rd C West
Roseville, MN 55113

(612) 239-7411

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