Restoration services

Restoration services refer to professional repairs and cleanup after insured events like fire, water, or mold damage. Insurance policies typically cover restoration services for perils such as burst pipes (water), kitchen fires (fire), or storm-related roof leaks (wind).

Restoration companies use industrial equipment–such as air movers and dehumidifiers–to dry structures after water loss. Insurers require policyholders to document damage with photos and invoices before approving restoration service claims, according to a report from YourInsurance.info (Your Insurance Info).

Standard homeowners insurance covers restoration costs up to policy limits; for example, the average claim for water damage is $11,098 according to the Insurance Information Institute (2022). Restoration specialists handle hazardous materials removal, including asbestos abatement in older homes built before 1980.

Most insurers maintain preferred vendor lists featuring certified restoration firms like Servpro or Belfor that meet industry standards set by IICRC (Institute of Inspection Cleaning and Restoration Certification). Policy exclusions often apply to gradual deterioration; for instance, long-term mold not caused by a sudden event is usually not covered under standard policies.