Homeowner Rights
Western PA's Trusted Fire and Water Damage Restoration Company. 24/7 Emergency Services Available!
No. Pennsylvania insurance law gives YOU the right to choose your own restoration company. Insurance carriers may recommend contractors, but they cannot require, force, or pressure you to use their preferred vendors. This practice—called “steering”—is prohibited.
Preferred vendors typically agree to pricing and scope limitations set by the carrier. Some perform quality work, but others may cut corners to stay within the insurer’s budget. The Restoration Team works for the homeowner—not the insurance company.
Yes, insurers may have vendor programs. However, it is NOT legal for them to suggest that coverage depends on using those vendors. They cannot deny payment, delay claims, or intimidate you into choosing their contractor.
Yes. Coverage is based on the type of loss—not which contractor you choose. Insurance must pay for necessary mitigation and repairs when the damage is part of a covered claim.
Absolutely. We document the damage, communicate with adjusters, provide Xactimate estimates, justify drying standards, and handle the claim process on your behalf.
Independent restoration companies advocate for the homeowner. We prioritize proper dry-in-place methods, minimal demolition, fast response, and accurate documentation. Your home—and your claim—are our priority.
That statement is not legal. You may reply: “I understand, but Pennsylvania law allows me to choose my own contractor. Please put your statement in writing.” Adjusters rarely will, because it violates policyholder rights.
No. Water damage requires immediate action to prevent further loss and mold growth. Insurance cannot deny payment because you acted promptly to mitigate damage. We thoroughly document the conditions before and during the process.
Yes. We manage the entire claim documentation process: moisture mapping, photos,estimating, and adjuster communication. We help protect your rights and ensure the workis completed properly.