• 2435 Janell Trail, Murfreesboro, TN 37128, United States

2435 Janell Trail, Murfreesboro, TN 37128, United States

(615) 212-9417

Step-by-Step Guide: Insurance Claims & Using Xactimate

Full Recovery and Restoration – Streamlined Claims & Accurate Estimates

Step 1: Initial Damage Assessment

What Happens:
  • Full Recovery conducts a thorough on-site inspection of water, storm, or mold damage.
  • We document damage with photos, videos, and moisture readings.
  • Immediate mitigation actions are taken to prevent further damage (e.g., water extraction, tarping, board-up).
Why It Matters:

This sets the foundation for your claim. Insurance companies want detailed proof of damage and quick action to reduce further loss.

Step 2: File the Insurance Claim

Why It Matters:
  • Call your homeowner’s insurance company to report the loss.
  • Provide a description of the damage and what mitigation steps have already been taken.
What We Provide:
  • A written summary of the damage
  • Date/time of the incident
  • Initial response steps taken
  • Contact info for Full Recovery as the mitigation/restoration contractor
Pro Tip:

Tell the adjuster that Full Recovery and Restoration uses Xactimate, the industry-standard estimating software recognized by most insurers.

Step 3: Insurance Adjuster Inspection

What Happens:
  • An insurance adjuster may schedule a time to inspect the property.
  • We coordinate with the adjuster to be on-site during their visit, if possible.
Why This Matters:
  • Our presence helps ensure nothing is missed.
  • We can explain mitigation already performed and advocate for scope accuracy.

Step 4: Estimate Using Xactimate

What Full Recovery Does:
  • We prepare a full line-item estimate using Xactimate, tailored to the specific damage at your property.
What’s in the Estimate:
  • Itemized labor and materials for mitigation and reconstruction
  • Codes, dimensions, and industry-standard pricing
  • Photos linked to line items for clarity
Benefits of Xactimate:
  • Speaks the same language as your insurance company
  • Reduces disputes over pricing
  • Speeds up claim approval

Step 5: Scope Agreement & Claim Approval

What Happens:
  • The insurance company reviews and compares our Xactimate estimate with their own.
  • If there are discrepancies, we collaborate directly with the adjuster to reach a scope agreement.
  • Once approved, you receive a claim payout based on the final scope.
Pro Tip:

Homeowners may receive payments in phases—initial ACV (Actual Cash Value), then RCV (Recoverable Depreciation) after repairs are complete.

Step 6: Begin Restoration Work

What Full Recovery Does:
  • We schedule and begin the approved scope of work.
  • Restoration may include demolition, drying, repairs, and full rebuild, depending on the damage.
During the Process:
  • We document everything with photos and change orders (if necessary).
  • Any supplemental work found later can be submitted to insurance as a supplemental Xactimate estimate.

Step 7: Final Inspection & Invoicing

What Happens:
  • Once all work is complete, we do a final walkthrough with the homeowner.
  • We submit a final invoice (based on Xactimate) to the insurance company, along with any supplements.
  • You may be responsible only for your deductible—insurance covers the rest.

Step 8: Depreciation Recovery (If Applicable)

What the Homeowner Does:
  • If your policy includes RCV, you can submit documentation of completed work to receive the depreciated portion of the payout.
  • We assist you with receipts, photos, and communication if needed.

Why This Process Works

  • Insurance-Approved Estimating: Using Xactimate reduces back-and-forth
  • Full-Service Management: From mitigation to final build-back
  • Documentation & Advocacy: We handle the technical details and advocate on your behalf
  • Peace of Mind: You stay focused on your home—we handle the rest

Need Water Damage Restoration Call us

(615) 212-9417

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Get in Touch with Full Recovery and Restoration Today!

We’re here 24/7 to help you recover from water, fire, mold, or storm damage. Contact our friendly team now for fast, professional service you can trust.

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Full Recovery and Restoration – Trusted experts in water, fire, mold, and storm damage restoration. Serving Murfreesboro, TN 24/7.

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2435 Janell Trail, Murfreesboro, TN 37128

(615) 212-9417

24/7 Emergency Mitigation Services

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