What should I do first after water, fire, storm, or tree damage?
Make sure everyone is safe, then photograph and video the damage before cleanup. Take reasonable steps to prevent more damage, such as shutting off water, tarping, or boarding up, and report the claim to your insurance company as soon as possible. For water damage, a mitigation company handles extraction and drying. We recommend STAT Restoration, the mitigation partner we work with. Keep receipts and notes of every conversation with your insurer.
Can I start repairs before the adjuster inspects?
Temporary repairs that protect the property are generally expected, and many policies require them. Hold off on permanent repairs until you've talked with your insurance company, because the damage usually needs to be documented first. For water losses, reconstruction should also wait until the structure is confirmed dry. Every policy is different, so check with your insurer.
How long will my project take?
It depends on the size of the loss. As a general guide, small losses often take 1–3 months, medium 3–6, large 6–12, and major losses 12–24+ months. Insurance approvals, mortgage processing, permits, material lead times, and trade scheduling all affect the schedule. In Northwest Montana, shipping times and seasonal demand can add time.
General information only. This is not legal, insurance or financial advice. Every policy is different, so review your policy and talk with your insurance provider about your specific coverage.
