Rapid Response
🏠Licensed & Insured
💳Insurance Billing Direct
5-Star Rated
🔧24/7 Emergency Service

Insurance Claims Assistance

Water damage is stressful enough. Filing an insurance claim shouldn't add to it. DryResponse handles the paperwork, the adjusters, and the billing — so you don't have to.

What We Handle For You

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Complete Documentation

Pre-restoration photos, moisture maps, thermal imaging, and daily drying logs — everything your insurance company needs.

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Xactimate Estimates

We prepare your scope of work in Xactimate — the exact software insurance adjusters use. No pricing disputes.

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Direct Adjuster Communication

We speak insurance language. We work directly with your adjuster to ensure your claim is processed fairly and quickly.

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Direct Billing

We bill your insurance company directly. In most cases, you pay only your deductible — nothing more.

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Supplemental Claims

If the initial estimate doesn't cover the full scope, we prepare and submit supplemental claims with supporting evidence.

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Claim Denial Support

Our thorough documentation gives you strong evidence if you ever need to dispute a denial or underpayment.

We Work With Every Major Florida Carrier

No matter who insures your home, we know how to work with them.

State Farm
Citizens Property Insurance
Universal Property & Casualty
USAA
Allstate
Security First Insurance
Heritage Insurance
Federated National
ASI / Progressive
Florida Peninsula
Tower Hill
And many more

The Insurance Claims Process

1

Call DryResponse First

We start emergency mitigation immediately. Your policy requires you to mitigate promptly — and so does common sense.

2

We Document Everything

Photos, moisture readings, thermal scans — all before, during, and after restoration.

3

File Your Claim

We help you file or we contact your carrier directly. Either way, we make it easy.

4

Adjuster Inspection

Your insurance adjuster inspects the damage. We're there to walk them through our documentation and scope.

5

Direct Billing & Payment

We bill your insurance directly with our Xactimate estimate. You pay your deductible. Done.

Don't Navigate Insurance Alone

Call DryResponse. We handle the restoration AND the claim.

📞 Call Now — (321) 306-4584

Insurance FAQs

Will my insurance cover water damage?

Most homeowner policies cover sudden and accidental water damage — burst pipes, appliance failures, storm-driven rain through a damaged roof. Flood damage (rising water) requires a separate NFIP or private flood policy. We help you understand your coverage and maximize your claim.

How much will I pay out of pocket?

In most cases, you pay only your deductible. DryResponse bills your insurance company directly using Xactimate, the industry-standard pricing software that adjusters trust. This minimizes disputes and out-of-pocket costs.

What if my claim is denied or underpaid?

We document every job with photos, moisture readings, thermal imaging, and daily drying logs — giving you powerful evidence if you need to dispute a denial. We also prepare supplemental claims when the initial estimate doesn't cover the full scope.

Do I need to call my insurance company first?

Call us first. Water damage gets worse every minute. We start mitigation immediately to protect your property — and your insurance company actually expects you to mitigate promptly. We'll help you file the claim once the emergency is handled.

How long does the insurance process take?

Emergency mitigation typically starts the same day. The insurance claim process varies by carrier but usually takes 1-4 weeks for approval. We handle all adjuster communication and follow up until you're paid.

📞 Tap to Call DryResponse — 24/7