Insurance Claim Support

Explore the restoration service that fits your property damage.

When Serve Xpert evaluates a property, we document visible and reasonably accessible conditions related to water damage, fire and smoke damage, mold remediation, storm damage, biohazard cleanup, sewage cleanup, odor concerns, specialty cleaning, and affected materials.

Documentation can include:

Documentation is maintained to create a clear factual record of what was observed, what was recommended, what was accepted, and what work was completed.

If the property has active damage, the first priority is protecting people, limiting access to unsafe areas, and getting the right response started.

Customers should consider these first steps:

Call for emergency service if water, sewage, smoke, storm intrusion, odor, or contamination is active or spreading Stop the source of water if it can be done safely Avoid areas with standing water, electrical concerns, sagging ceilings, sewage, mold disturbance, smoke residue, or biohazard conditions Keep children, pets, employees, tenants, customers, and occupants away from affected areas when safety concerns are present Do not disturb visible mold, sewage, biological contamination, soot, or heavily contaminated materials Take photos or videos if the area can be accessed safely Save insurance policy information, claim numbers, adjuster contact information, photos, receipts, repair records, and property records Contact Serve Xpert for assessment, mitigation, remediation, cleanup, drying, odor control, or documentation support

For active emergencies, calling directly is faster than submitting a form.

With the property owner’s permission, Serve Xpert may communicate with an insurance representative, adjuster, property manager, real estate professional, or other involved party.

Communication may include sharing documentation, clarifying scope-related questions, providing invoices or estimates, confirming completed work, or explaining observed conditions.

Coverage determinations, policy interpretation, claim approvals, depreciation, deductibles, exclusions, and payment decisions remain the responsibility of the insurance carrier.

Serve Xpert provides restoration services and documentation support. Serve Xpert does not act as an insurance carrier, public adjuster, attorney, policy interpreter, engineer, medical professional, or third-party testing provider.

Serve Xpert does not:

Perform or sell mold or air sampling, laboratory analysis, clearance testing, or independent post-remediation verification. Certify that a property is mold-free, contamination-free, odor-free, smoke-free, soot-free, or cleared for occupancy. Perform reconstruction, put-back, or finish repairs unless specifically included in the approved written scope of work.

Customers should contact their insurance carrier, adjuster, public adjuster, attorney, engineer, or other qualified professional when those services are needed.

Billing procedures vary depending on the insurance policy, carrier process, payment method, project type, and signed agreement.

In some situations, payment may be issued directly to Serve Xpert. In other situations, the property owner may be responsible for payment and may seek reimbursement from the insurance carrier.

Deductibles, depreciation, uncovered services, policy limits, and non-covered items are determined by the insurance policy and carrier review.

The customer remains responsible for payment according to the written estimate, signed agreement, invoice, and financing terms when applicable.

Property damage conditions can change after the first inspection or estimate. Hidden damage, additional affected areas, carrier requests, customer requests, changed site conditions, access issues, moisture migration, contamination spread, or newly discovered materials may require revised documentation or additional work.

Additional work may require:

• Updated site review
• Revised estimate
• Revised written scope
• Additional sign-off
• Change order
• Additional payment or financing approval
• Schedule adjustment
• Additional documentation

Serve Xpert only performs work that has been accepted through the proper estimate, agreement, change order, or written confirmation process.