How We Help You Deal with Insurance After Storm Damage

When a storm hits and your home takes the brunt of it—shingles ripped off, water pouring in, ceilings stained—there’s a flood of emotions and one big question: “Now what?”

That’s where we come in.

At Total Home Water Restoration, we’ve seen just about every kind of storm damage you can imagine here in central Ohio. And we know one of the most frustrating parts isn’t just fixing the damage—it’s dealing with the insurance company. That’s why we help you handle that too.

Here’s how we make the insurance adjuster process a whole lot easier.

1. We Document the Real Damage—Right Away

Timing matters. If a tree goes through your roof or heavy rain floods your basement, we’re on-site quickly to document:

• The full extent of the storm damage

• Moisture levels and material degradation

• All the areas impacted—not just what’s obvious

We take thorough photos and moisture readings and document what materials are unsalvageable per IICRC standards. This gives your claim a solid foundation from the start.

2. We Speak the Language Insurance Adjusters Use

Insurance adjusters often use their own estimating tools like Xactimate. We’ve worked with them enough to know:

• What info they’re looking for

• How they define a “covered loss”

• Which codes and standards apply (yes, we cite those when needed)

This isn’t about stretching the truth. It’s about telling your story accurately—and making sure nothing gets missed.

3. We’re Honest—Even When It Costs Us

Some contractors try to overinflate claims. We don’t do that. We tell you what’s really damaged and what needs to be replaced. Period.

That honesty builds trust with adjusters too. We’ve even had insurance reps tell homeowners, “Call Tyler again if you ever need anything—he’s straight.”

That’s the reputation we work to keep.

4. We Help Push Back When They Get It Wrong

Sometimes insurance adjusters miss things. Sometimes they’re under pressure to keep payouts low.

If they say, “We’ll just pay to patch this,” but we know the entire ceiling is water-damaged and a patch will look terrible—we say so. We show them:

• Code requirements (like matching finishes or mold prevention)

• Industry standards for proper repairs

• Long-term risks of quick, cheap fixes

If needed, we’ll walk the adjuster through the site and point out the real issues.

5. We Handle the Work After the Claim Is Approved

Once your insurance approves the work, we get started. No delays. No bait-and-switch pricing.

We handle everything from:

• Water damage cleanup and drying

• Drywall replacement and ceiling repairs

• Flooring restoration or replacement

• Full rebuilds when needed

We keep it clean, professional, and code-compliant—like we’re working on our own home.

Need Help After a Storm? Call Us.

If your home’s been hit by wind, hail, or heavy rain, don’t wait to start the claim. Call Tyler Zimmerman at Total Home Water Restoration. We’ll guide you every step of the way.

📍 4141 Hoover Rd, Grove City, OH 43123
📞 380-246-1837

FAQs

What if I already started a claim?
No problem. We can still inspect the damage, document what was missed, and help supplement the claim if needed.

Do you charge for insurance help?
Nope. We only bill for the actual restoration work. Helping with insurance is just part of doing the job right.

What if my adjuster says it’s not covered?
We’ll review the policy language and damage with you. Sometimes it’s worth pushing back—with facts.