Quick answer
If insurance covers the loss, the company usually bills your insurer after you pay your deductible, though arrangements vary. If you pay yourself, expect a written estimate and possibly a deposit. Read every document before signing, and ask who is responsible if the insurer pays less than the invoice.
When insurance is involved
- You report the loss and your insurer opens a claim.
- The company documents the damage with photos, moisture readings and a scope.
- The insurer reviews the scope and pays according to your policy.
- You are usually responsible for the deductible and anything the policy does not cover.
When you pay yourself
Ask for a written estimate that lists the work, the equipment and the terms of payment. A deposit before work starts is common. Compare it with other estimates if time allows.
Documents to read carefully
- Work authorization and scope of work
- Any direction to pay or assignment of benefits, which can give the company rights to your insurance payment
- Rules on change orders and extra work
Questions to ask
- What is the total scope and how will extra work be approved?
- Who is paid, and when?
- What happens if the insurer pays less than the invoice?
- Is the company licensed? Check at roc.az.gov.
Prices vary by size, materials and timing, so we do not publish fixed figures. See what affects restoration cost in Arizona and what insurance usually covers.
Frequently asked questions
Do I pay anything up front if insurance covers it?
Often you owe your deductible. Terms vary by company and policy, so ask before work starts.
What is an assignment of benefits?
A document that can transfer your right to an insurance payment to the contractor. Read it closely and ask questions before signing.
Can I get a written estimate?
Yes. Ask for the scope, equipment, and payment terms in writing.
Who do I contact about a claim dispute?
Start with your insurer. Questions can also go to the Arizona Department of Insurance and Financial Institutions at difi.az.gov.