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Navigating Insurance After a Disaster

Home insurance is confusing. We get it! Not only do we strive to keep the entire process as stress-free as possible, we’ll also do our best to help you get the most out of your policy. Are you someone who prefers to be part of the entire process or would you rather leave it to someone else to take care of? We’ll work with you whichever way you prefer.

If you don’t want to deal with your insurance company, all you have to do is open the claim and we’ll take care of the rest. If you want to be part of the process from start to finish, we’re happy to work with you every step of the way.

How the Insurance Process Works

We know how confusing insurance can be. Here are the steps you should expect when dealing with your insurance company and working with Rapid Restoration:

1. Call Your Insurance Company and Rapid Restoration.

Whether you call your insurance company first or Rapid Restoration first depends on the situation.

Is the damage an emergency?
Call Rapid Restoration first for emergencies. We can help prevent further damage, whether you’re dealing with a flooded basement or burst pipe. We’re available 24/7 and will send one of our techs to start fixing the problem as soon as possible. You should then call your insurance company to open your claim and schedule a visit from a claim adjuster.

A couple sitting on the couch with water coming down from the ceiling.

Can it wait?
Some situations can wait for a professional to do a proper inspection and get a full scope of the project before making any repairs. If you find mold in your home or need something repaired, call your insurance company first to open the claim. You can then contact us, and we’ll let you know how we can help.

2. Take Pictures and Document Any Damage.

Anything you can have on hand makes the insurance adjuster process much easier, and it can save you money, too. If you can, find approximate prices of what was damaged for a better estimate on how much it will cost to replace.

3. Wait for the Insurance Adjuster.

An insurance adjuster determines which repairs are covered by your policy and which ones aren’t. This is why any documentation is so important. It can help save you money and prove to your insurance company any necessary repairs should be paid for by your policy.

A couple catching water from the ceiling and taking pictures of the damage.

While you’re waiting, don’t hesitate to take a few steps to prevent the damage from getting worse. You can shut off your water if it’s safe or put a bucket underneath a leak. More of the expenses will be covered if you take action to keep repair costs down.

4. Take Care of Necessary Payments.

Often times, you’ll pay us the deductible, and we’ll contact the insurance company for you to take care of the rest. Whether your insurance company sends a check to you or to us depends on the company. We’ll work with you to make sure everything is paid for.

We’ll do whatever we can to make sure as much of your damage is covered. However, there may be some cases where the restoration isn’t covered entirely. This can happen if the cause of damage isn’t covered or if you choose to remodel your home instead of replacing what was damaged. We’ll work with you to create a payment plan that works for you and get your property exactly how you want it.

Need Your Property Restored? Call Rapid Restoration

We’re here to help. If you need your home or business restored because of storm, fire, water, or mold damage, leave it to the experts at Rapid Restoration. Call us today!

Have More Questions About Insurance?

We know how confusing the insurance process can be. We have many resources you can use to learn more about insurance and Rapid Restoration.


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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