Insurance Claims
Assistance
Dealing with insurance after a disaster is overwhelming. Donegan Restoration has years of experience working with all major insurance carriers in Georgia. We document everything, communicate directly with your adjuster, and help you navigate the claim from start to finish — so you can focus on your family.
Call (770) 769-8816How we help with your claim
Photo Documentation
We photograph every affected area before, during, and after restoration. Detailed imagery supports every line item in the estimate.
Detailed Estimates
Line-item estimates formatted to insurance industry standards — clearly showing scope, materials, labor, and timeline.
Adjuster Coordination
We meet with your adjuster on-site, walk through the damage together, and answer technical questions about necessary restoration.
Coverage Guidance
We help you understand what your policy covers so you know your rights and don't leave money on the table.
Direct Billing
In many cases we bill your insurance carrier directly, reducing your out-of-pocket expense and paperwork burden.
Complete Recovery
We work until your property is fully restored — not just to the policy limit, but to pre-loss condition.
What homeowners insurance typically covers
Sudden & Accidental Water Damage
Burst pipes, appliance overflows, and plumbing failures are typically covered. Gradual leaks or lack of maintenance may not be.
Fire & Smoke Damage
Structure fires, smoke damage, and soot cleanup are covered by standard policies. Wildfire damage is also included.
Storm & Wind Damage
Damage from wind, hail, lightning, and fallen trees is covered. Hurricane deductibles may apply in coastal areas.
Mold Remediation
Covered when resulting from a covered water loss. Mold from unresolved long-term moisture or flooding may not be.
What's typically not covered
Flood Damage
Standard homeowners policies exclude flood damage. Separate flood insurance through NFIP or private carriers is required.
Gradual Damage
Long-term leaks, seepage, or deterioration from lack of maintenance are generally excluded from coverage.
Sewer Backup
Often excluded unless a specific sewer/water backup endorsement has been added to the policy.
Neglect or Delay
Failure to mitigate damage after discovery — not acting quickly to prevent further loss — can reduce or void coverage.
Disclaimer: This is general guidance based on common policy language. Coverage depends on your specific policy terms, endorsements, and the cause of loss. Consult your insurance agent or policy documents for your exact coverage.
Let us handle the insurance paperwork
We've worked with every major insurance carrier across Georgia. Call Donegan Restoration — we'll document the damage, communicate with your adjuster, and restore your property while you focus on what matters.
Call (770) 769-8816