Insurance Claims, Made Simple.
From the first call to a closed claim, we document your loss to IICRC standards, work directly with your insurer, and rebuild. Here is exactly how a property damage claim works, and what to do first.
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Response Target
24/7
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What To Do In The First 24 Hours
First, make sure everyone is safe and stop the source of the damage if you can do so safely. Then call your insurer to open the claim, and call Green Restoration. We document the damage with dated photos and moisture readings before anything is moved, stop the loss from spreading, and hand your adjuster a clear, IICRC-standard file. We are not licensed public adjusters and do not negotiate claims; we document the loss so your claim is accurate and complete.
24/7
Emergency fleet, CT · NY · MA
Damage We Handle On Claims
Water Damage
Burst pipes, roof leaks, and flooding. Emergency extraction and structural drying.
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Fire & Smoke
Soot, smoke, and structural cleanup with board-up and full reconstruction coordination.
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Mold Remediation
IICRC S520 containment, removal, and independent clearance testing.
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Storm & Flood
Wind, water, and post-storm cleanup, with emergency board-up to secure the property.
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Biohazard & Trauma
Discreet, compliant cleanup and sanitizing, documented to standard.
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Emergency Board-Up
Secure the property fast after fire, storm, or break-in.
View serviceA Claim Handled Right
Fast emergency response
A 60-minute on-site response target, 24/7, to stop the damage from getting worse and protect what can still be saved.
Documentation adjusters accept
Dated photos, moisture readings, drying logs, and IICRC-standard reports that make your claim accurate and complete.
Direct billing to your insurer
We bill the covered portion of the loss to your carrier directly, so in most cases you handle your deductible and little else.
One team, start to finish
Mitigation, cleanup, and full reconstruction under one accountable team, so nothing falls between trades.
We keep you informed
One point of contact explains each step, so you are never left guessing during a stressful time.
Honest, no-pressure scope
A clear written estimate before work begins, and a BBB A+ rated reputation to stand behind it.
How To File Your Claim, Step By Step
Report the loss and call us
Report the loss to your insurer to open the claim and get a claim number, then call Green Restoration. We can begin emergency mitigation right away, 24/7.
We document and mitigate
Before anything is moved, we photograph the damage, take moisture readings, and stop further loss. Everything is logged to IICRC standards for your adjuster.
We bill your carrier and rebuild
We submit our scope and documentation to your insurer, bill the covered portion directly, and rebuild your property to pre-loss condition.
What Insurance Usually Covers
Coverage depends on your policy and the cause of loss. This is the general pattern across CT, NY, and Massachusetts; always confirm the details with your own carrier.
Sudden and accidental: usually covered
Burst pipes, a sudden roof leak, appliance failures, and fire or smoke damage are typically covered perils.
Gradual damage: often excluded
Long-term leaks, wear and tear, and unaddressed maintenance are commonly denied. Reporting fast helps avoid this.
Flooding: needs separate coverage
Rising water and storm surge are excluded from standard policies and require an NFIP or private flood policy.
Your deductible always applies
Your insurer sets your deductible on your policy; it is the portion you pay before coverage begins. We are not licensed public adjusters.
Insurance Claim Questions
Insurance Claims, Answered
Make sure everyone is safe and stop the source of water or the hazard if you can do so safely. Take photos, then call your insurer to open the claim and call Green Restoration. The faster mitigation starts, the less secondary damage such as mold tends to develop.
No. Document everything with photos first and keep damaged items until your adjuster or our team has recorded them. Discarding items too early can reduce what your claim pays.
Yes. We bill the covered portion of the loss to your carrier directly, so in most cases you are responsible for your deductible and any items your policy does not cover. We are not licensed public adjusters and do not negotiate claims on your behalf.
That depends on your carrier, your claims history, and the type of loss. Your insurer decides any premium change, not us. We focus on documenting the loss accurately so your claim reflects the true scope of the damage.
We provide IICRC-standard documentation that you and your insurer can review, and clear documentation often resolves questions about scope. We are not licensed public adjusters and do not negotiate claims, but you may consult a licensed public adjuster or your state insurance department.
We target a 60-minute on-site response, 24 hours a day, with crews across Connecticut, the New York metro and Westchester, and Western Massachusetts. CT HIC.0702252 / HIC.0668405.
Sometimes. When mold results from a sudden covered loss such as a burst pipe, it is often covered. Mold from long-term leaks or humidity is commonly excluded. The EPA notes mold is best prevented by fixing moisture quickly, which is why fast mitigation matters.
Wind damage and wind-driven rain are usually covered by a standard homeowner policy. Rising water and storm surge are classified as flood damage and require separate coverage through the NFIP or a private flood policy.
Still have questions?
Call us at (833) 800-0474Start your claim with a team that Documents It Right.
Fast response, an honest scope, and documentation your adjuster can approve, across CT, NY, and Massachusetts.
