We Handle Your Insurance Claim From Start to Finish
Property damage is stressful enough. NuBilt manages the entire insurance claims process — documentation, estimates, adjuster coordination, and direct billing — so you can focus on recovery, not paperwork.
How Our Insurance Claims Process Works
From the first phone call to final payment, we manage every step of your insurance claim so you never have to navigate the process alone.
Call Us First
Contact NuBilt immediately after discovering damage. Our 24/7 team dispatches technicians and begins documentation from the very first call.
Damage Documentation
Our technicians photograph and catalog all damage using industry-standard protocols. We create a comprehensive loss report that meets insurance carrier requirements.
Estimate & Filing
We prepare detailed Xactimate estimates — the same software your insurer uses — and file the claim on your behalf with full supporting documentation.
Adjuster Coordination
We meet with your insurance adjuster on-site, walk through the damage together, and negotiate to ensure your claim covers the full scope of restoration needed.
Restoration & Reconstruction
Once approved, our crews begin restoration immediately — from emergency mitigation through final reconstruction — so you get back to normal faster.
Direct Billing
We bill your insurance carrier directly whenever possible. You pay only your deductible, with no surprise invoices or hidden fees.
Insurance Claims Expertise That Saves You Time and Money
Most homeowners have never filed a property damage claim before. Insurance carriers process thousands. We level the playing field by bringing the same expertise, tools, and documentation standards that adjusters use — working for you, not the carrier.
Xactimate Estimates
We use the same estimating software as insurance carriers, ensuring accurate, pre-approved line items that speed up claim approval.
Faster Approvals
Our experienced claims team knows exactly what adjusters need, reducing back-and-forth and getting your claim approved faster.
Dedicated Claims Advocate
Every client is assigned a dedicated claims coordinator who manages communication between you, your adjuster, and our restoration crew.
Full Scope Coverage
We document every detail of damage — including hidden moisture and secondary damage — so your claim covers the complete restoration, not just what is visible.
Don't Wait to File
Most policies have strict timelines
- Document damage before cleaning up
- Report the loss to your carrier within 24-72 hours
- Do not discard damaged materials until documented
- Take reasonable steps to prevent further damage
- Keep all receipts for emergency expenses
Insurance Claims Questions
Do I need to call my insurance company before calling NuBilt?
No. Call us first. We will help you file the claim and handle all communication with your insurance carrier. Getting restoration started immediately also prevents secondary damage, which insurers expect.
Will my insurance cover restoration costs?
Most homeowner policies cover sudden and accidental water damage, fire damage, and storm damage. Our claims team reviews your policy and advises you on coverage before work begins.
Do I have to pay anything out of pocket?
In most cases, you are only responsible for your policy deductible. We bill your insurance carrier directly for approved restoration work.
What if my claim is denied or underpaid?
Our claims advocates help you appeal denied or underpaid claims with additional documentation, supplemental estimates, and expert assessments to support your case.
How long does the insurance claims process take?
Timeline varies by carrier and claim complexity. Simple water damage claims often settle within 2 to 4 weeks. Larger fire or storm claims may take 4 to 8 weeks. We push for the fastest resolution possible.
Need Help With an Insurance Claim?
Call NuBilt now for a free consultation. We will review your situation, explain your coverage, and start the claims process today.