Starting the restoration process after damage to your home can feel overwhelming. You want everything fixed quickly and correctly, but it’s hard to know who to trust or what steps to take first. That’s why asking the right questions—before any work begins—can make a big difference in your experience.
There are three key people you’ll likely speak with after a loss: your contractor, your insurance agent, and your insurance adjuster. Each one plays a different role, and asking each the right questions helps you get the clarity you need to move forward.
Let’s start with your contractor. Not all contractors are the same, and restoration work is very different from general construction or remodeling. It’s important to ask:
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Do you have experience with restoration jobs like mine?
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How often do you work with insurance companies?
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Are you certified to handle water, fire, or mold restoration?
A contractor who understands the insurance process can make everything smoother. They know how to document the damage, speak with adjusters, and follow the right steps to meet insurance guidelines.
Next is your insurance agent. This person helps you understand your policy, but they may not be the one who handles your claim. That’s why you should ask:
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Who should I speak to at the insurance company about my claim?
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Can you connect me with someone who can explain the next steps?
Getting the right contact early on helps avoid delays. Some agents also recommend trusted restoration professionals if you haven’t found one yet.
Then comes your adjuster—the person who inspects the damage and decides what the insurance will cover. This is someone you want to communicate clearly with. Ask them:
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What does my policy cover for this kind of damage?
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Do you have any contractor recommendations?
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What should I expect from this insurance company’s process?
Every insurance carrier is a little different. Some are faster to approve claims. Others require more documentation. Your adjuster can tell you what to expect in the coming days and weeks. This helps you plan and avoid surprises.
If you’re thinking about using a local contractor who isn’t connected to your insurance provider, be cautious. Just because someone is local doesn’t mean they have the right experience. A contractor unfamiliar with insurance work might skip important steps, causing delays or missed payments.
It’s okay to ask tough questions. A good contractor will be open and honest with you. They’ll explain their experience, give you a clear timeline, and help you understand what to expect throughout the project.
Restoration is more than just fixing what’s broken. It’s about restoring peace of mind. When you take the time to ask the right questions and choose the right people, you’re setting yourself up for a smoother, faster, and less stressful recovery.
