When homeowners face severe water damage, the stress of dealing with their insurance company can be overwhelming. Recently, our team at EMERG+NC Property Rescuers stepped in to help a Raleigh family who was struggling with a complicated insurance claim. What started as a denied claim ended with 100% coverage, and the home was restored to pre-loss condition.
The Challenge
A homeowner in Raleigh, NC contacted us after their property sustained significant water damage due to a burst pipe. They had already filed a claim, but the insurance adjuster initially denied coverage, citing “pre-existing issues” and improper maintenance. Meanwhile, the property was deteriorating quickly due to prolonged water exposure and rising humidity levels—prime conditions for mold growth.
The family needed expert water damage restoration in Raleigh and a company that understood not just cleanup but also how to navigate the insurance maze.
Our Approach
At EMERG+NC, we have over 16 years of experience dealing with complex claims. Here’s how we turned the situation around:
- Detailed Inspection & Documentation
We performed a thorough water damage assessment following industry standards set by the IICRC (Institute of Inspection Cleaning and Restoration Certification). Our technicians documented the damage with high-resolution photos, moisture mapping, and clear evidence of the loss event. - Direct Communication with the Adjuster
Our team contacted the insurance company directly to challenge the denial. We provided detailed reports, repair estimates using Xactimate pricing, and referenced IICRC S500 standards to justify necessary restoration steps. - Comprehensive Water Mitigation
We immediately started emergency water damage services, including water extraction, structural drying, and dehumidification to prevent secondary damage. The quick response helped reduce the total repair cost and minimized disruption for the homeowner. - Claim Reversal & Full Coverage
Within a week, the insurance company reversed its decision, agreeing to cover the entire project, including reconstruction. Our customer didn’t pay a dime beyond their deductible.
Why Professional Advocacy Matters
When insurance companies push back, homeowners need an experienced restoration company on their side. We don’t just handle Raleigh water damage emergencies—we fight for our customers to ensure fair coverage and top-notch restoration.
According to FEMA, even a small amount of water can cause thousands of dollars in damage if not properly mitigated. That’s why choosing the right partner for emergency water damage services can make the difference between a denied claim and a successful restoration.
Final Outcome
The Raleigh homeowner’s property is now fully restored, with new flooring, repaired drywall, and fresh paint. They were thrilled with the result—and relieved that they didn’t have to shoulder the cost alone.
Author Bio
Ryan Oakley is the owner of EMERG+NC Property Rescuers, with over 16 years of expertise in water, fire, and storm damage restoration. Ryan is IICRC certified and has built a reputation in the Raleigh area for fighting for customers’ best interests while delivering top-quality restoration services.
