IICRC Certified
Industry Standard
24/7 Emergency
Always Available
Licensed & Insured
Fully Protected
Same-Day Response
60-Min Arrival
A simple 5-step process that protects your home AND your insurance claim.
A real person answers 24/7. We ask a few quick questions about your situation and dispatch an IICRC certified crew immediately.
Our team arrives within 60 minutes. We shut down the source, extract water, secure the property, and prevent further damage -- every minute we save reduces your total cost.
Photos, moisture readings, thermal imaging, and detailed damage reports. This professional documentation is exactly what your insurance adjuster needs to approve your claim quickly.
We help you file the claim and submit our documentation directly. Our estimates use Xactimate -- the same software your insurance company uses -- so there are no pricing disputes.
Full restoration from start to finish. You pay your deductible, insurance covers the rest. We handle every detail so you can focus on your family.
When you call your insurance company first, they often assign a Third Party Administrator (TPA) to manage your claim. Here is what that means for you:
Insurance adjusters take 24-72 hours to arrive. Water damage doubles every 24 hours. You are paying for that delay.
TPAs assign companies that have agreed to work at reduced rates. The contractor answers to your insurance company -- not to you. Their incentive is to minimize scope, not maximize quality.
Insurance-assigned contractors may write a smaller scope of work to keep costs low for the insurer. This can leave you with unresolved damage that resurfaces later -- often after the claim window has closed.
When the contractor works for the insurance company, nobody is advocating for YOUR best interest. Resto Experts works for you -- not the insurer.
No insurance company can force you to use their preferred contractor. The choice is always yours.
Your claim cannot be denied or reduced because you chose your own licensed, certified restoration company.
We use Xactimate (the same software your insurer uses) so estimates match the format adjusters expect.
When you hire us directly, we work for YOU. We fight for full coverage, not reduced scope.
Most Memphis homeowners are surprised by how little they actually pay out of pocket for professional restoration when they have insurance.
Average Water Damage Claim
$11K-$15.4K
Covered by your insurance policy
Your Typical Out-of-Pocket
$1K-$2.5K
Your deductible -- that is it
Here is what most people do not realize: delaying restoration does not save money -- it costs money. Water damage that costs $3,000 to fix today can become a $15,000 mold remediation problem next week. Your insurance covers the initial damage. They may not cover the damage caused by delay.
We have experience working directly with every major insurance carrier. We speak their language and know their process.
Do not see your insurance company? We work with all carriers. Call us and we will handle it.
Stop the damage now. Document everything professionally. Get the maximum payout on your claim. That is what happens when you call Resto Experts before you call your insurance company.
Call a restoration company first. Water damage, fire damage, and storm damage get worse every minute. A restoration company stops the damage immediately and documents everything for your insurance claim. Waiting for your insurance company to send an adjuster can take 24-72 hours -- and that delay costs you thousands in additional damage.
Yes. Tennessee homeowners have the legal right to choose their own restoration company, regardless of what your insurance company suggests. You are NOT required to use the company your insurance recommends. Your insurance company cannot deny your claim for choosing your own contractor.
Insurance companies have 'preferred vendor' agreements with certain restoration companies. These agreements often prioritize lower costs for the insurance company -- not the best outcome for you. Preferred vendors may cut corners to meet the insurance company's pricing requirements, and they report to the insurance company, not to you.
A TPA (Third Party Administrator) is a company that manages insurance claims on behalf of your insurer. TPAs like Alacrity, Contractor Connection, and Crawford & Company assign restoration companies that have agreed to work at reduced rates. This means the company assigned to your home may be incentivized to do less work, not more.
Yes. Your insurance policy covers the damage, not a specific contractor. As long as the restoration work is necessary and properly documented, your insurance company must pay the claim regardless of which licensed restoration company performs the work. Resto Experts uses Xactimate for all estimates, which is the industry-standard software used by insurance companies.
For insured homeowners, you typically pay only your deductible -- usually $1,000 to $2,500. Your insurance policy covers the rest. The average water damage claim in the Memphis area is $11,000 to $15,400. Resto Experts provides free estimates and works directly with your insurance company to maximize your covered amount.
Proper documentation is the number one factor in claim approval. Resto Experts documents every aspect of the damage from the moment we arrive -- photos, moisture readings, thermal imaging, and detailed scope reports. This professional documentation significantly reduces the chance of claim denial. If a dispute arises, we advocate on your behalf.
With proper documentation, most claims are approved within 1 to 2 weeks. Resto Experts begins restoration immediately -- we do not wait for claim approval because delay causes more damage. We submit all documentation to your insurance company and follow up until the claim is fully processed.
IICRC certified technicians ready to respond now. We work directly with your insurance company.
