Property damage is stressful, and the insurance process can feel overwhelming. Here are answers to the questions we hear most often.
What should I do immediately after property damage?
First, ensure everyone is safe. Then call your insurance company to report the loss, and call us. Do not attempt to clean up or dispose of damaged materials — documentation is critical for your claim. If possible, take photographs of the damage. We'll guide you through the rest.
Do I get to choose my own contractor?
Yes. Your insurance company may recommend contractors, but you have the right to choose who repairs your property. Artisan has extensive experience working with all major insurance carriers in the region, and we'll coordinate directly with your adjuster throughout the process.
Will my insurance cover the full cost of repairs?
Coverage depends on your specific policy, the type of damage, and the cause of loss. We work with your insurance adjuster to ensure the scope of work is properly documented and that you receive the coverage you're entitled to. We never inflate claims, but we also make sure nothing is missed.
How quickly can you respond?
We respond to emergency calls as quickly as possible, typically within hours. For water damage especially, rapid response is critical to prevent mold growth and further structural damage. Call us at 434-979-6399 — even after hours.
Can I stay in my home during restoration?
It depends on the extent of the damage. For minor repairs, you may be able to stay. For more significant damage involving structural work, mold remediation, or extensive demolition, temporary relocation is usually safer and allows us to work more efficiently. Most homeowners' policies include coverage for temporary living expenses.
How long does the restoration process take?
Timelines vary greatly depending on the type and extent of damage. A small water damage repair might take days; a fire restoration could take months. We'll give you an honest timeline during the assessment phase and keep you updated throughout. Our goal is always to get you back to normal as quickly as possible without cutting corners.
Do you handle mold remediation?
Yes. Mold is a common consequence of water damage and must be addressed properly to protect your health and your property. We follow established remediation protocols, including containment, removal, treatment, and prevention of recurrence.
Can I upgrade or make improvements during restoration?
Absolutely. Many clients take the opportunity to upgrade finishes, improve layouts, or make other improvements during the restoration process. Insurance typically covers restoration to pre-loss condition, but you can pay the difference for upgrades. We'll help you understand what's covered and what would be out-of-pocket.
What if my insurance company and I disagree on the scope?
Disagreements happen. Our detailed documentation and experience with insurance claims help support your position. We can provide supplemental estimates, additional documentation, and expert assessments to help resolve disputes. We advocate for fair and complete restoration of your property.
Do you work with all insurance companies?
Yes. We work with all major insurance carriers and are familiar with their processes, documentation requirements, and claim protocols. Our experience means fewer delays and a smoother process regardless of your insurer.