Understanding Your Insurance Before You Need It: Restoration Claims Made Simple
What Alaska Homeowners Should Know About Damage, Coverage & Getting Paid Back
When disaster strikes — whether it’s water damage from a burst pipe or smoke from a kitchen fire — most people scramble to figure out what their homeowner’s insurance actually covers.
At Taylored Restoration, we’ve helped hundreds of Alaskans through the process of restoring their homes and navigating their insurance claims. If you're unsure how restoration and insurance work together, this post is for you.
What Kinds of Damage Are Typically Covered?
While every policy is different, most standard homeowner policies cover damage caused by:
✅ Sudden Water Damage (burst pipes, appliance leaks, etc.)
✅ Fire & Smoke Damage
✅ Wind or Storm Damage
✅ Falling Objects or Debris
✅ Vandalism or Accidental Impact
💡 Not typically covered: Flooding from rising water (you’ll need separate flood insurance), long-term wear and tear, or damage due to lack of maintenance.
The First 24 Hours Matter Most
When damage happens, time is critical. The faster you act, the better your chances of minimizing destruction — and the smoother your claim process will go.
Here's what to do immediately:
1.) Make sure everyone is safe.
2.) Stop the source of damage if possible (e.g., shut off water or power).
3.) Call Taylored Restoration.
4.) Document everything with photos or videos.
5.) Notify your insurance provider.
Why Documentation is So Important
Photos, videos, and written descriptions are vital for your insurance adjuster. Before you throw anything away or clean up, make sure you’ve captured:
• The damaged areas from multiple angles
• Affected personal items or materials
• The original cause of the damage (if visible)
• Standing water, smoke residue, mold, etc.
This documentation can help speed up your claim and maximize your reimbursement.
How Taylored Helps With the Claims Process
We don’t just clean up — we help guide you through the paperwork, too. Our team:
• Works directly with insurance adjusters
• Provides detailed estimates and invoices that match insurance formats
• Helps you understand your coverage limits
• Stays in close contact with you through every step
We know how frustrating the claims process can be. That’s why we make it as easy and transparent as possible for our clients.
Don’t Wait Until Something Goes Wrong
Take a few minutes this week to:
✅ Review your homeowner’s policy
✅ Understand your deductible
✅ Check whether flood, fire, or mold are covered
✅ Save Taylored Restoration’s number in your phone
Being prepared now can save you weeks of stress later.
📞 Need help after damage — or just have questions? Call Tailored Restoration today!