ARIZONA Insurance Claim restoration Specialists

Insurance policies can be complicated, especially after a disaster. Knowing the basics helps you understand what is covered and how NFR works with your carrier to get the best outcome.

Coverage Types

• RCV (Replacement Cost): Pays to replace damaged property with new materials of similar kind and quality.

• ACV (Actual Cash Value): Pays replacement cost minus depreciation for age and wear.

Common Coverage

• Dwelling: The home’s structure

• Other Structures: Detached garages, sheds, or fences

• Personal Property: Furniture, clothing, appliances (special coverage may be needed for items like jewelry)

• Loss of Use: Covers living expenses if your home is uninhabitable

Perils & Exclusions

• Open Perils: Covers all losses unless excluded

• Named Perils: Covers only listed events like fire or theft

• Endorsements: Often needed for floods, earthquakes, or sewer backups

NFR helps review your policy, explain it in plain terms, and work directly with your insurance carrier so you know what is covered and how your claim will be handled.

When disaster strikes, your first priority is safety. Once everyone is secure, NFR steps in to stop further damage and begin the claims process.

Our 24/7 team will:

• Gather details about the loss and confirm your insurance coverage

• Dispatch a technician within the hour to assess the damage

• Provide emergency services like water extraction, roof tarping, or board-ups to protect your property

Emergency services are typically covered by your policy. If not, we provide upfront, industry-standard pricing. If your property is unlivable, your insurance may cover temporary housing or living expenses. We help you track receipts and stay organized so nothing is missed.

Once your property is secure, our project manager and your insurance adjuster assess the damage together. We create a detailed scope of work that outlines what was affected, the repairs needed, and the estimated costs.

All damages are itemized using industry-standard pricing software, so there are no surprises. Our philosophy is to restore whenever possible and only replace when necessary. Nothing moves forward until both you and your insurance carrier approve the plan.

Once all damage reports and estimates are submitted, your insurance carrier reviews the claim. NFR works directly with the adjuster to make sure the scope of work is accurate and complete. Restoration does not begin until the insurance company issues approval.

Here’s what to expect during this stage:

• Agreement on Scope: You, NFR, and your insurance carrier agree on the repair plan and costs.

• Claim Payments: Insurance payments are typically mailed within 15–30 business days. If your mortgage company is listed on the policy, they may also be named on the check.

• Depreciation: Some items are paid in two parts, an initial payment, then the balance after repairs or replacements are completed.

Our job is to advocate for you, streamline the process, and ensure your claim reflects the full cost of restoring your property.

After approval, the next step is safe demolition of damaged areas. Depending on the severity of the loss, this may include removing drywall, flooring, cabinetry, or other compromised materials. All work follows local building codes, and when needed, a structural engineer evaluates the property.

Our team’s priorities during demolition are:

• Minimizing disruption: We do our best to keep your home livable. For example, providing access to key appliances or resetting bathrooms when possible.

• Safety & cleanliness: We maintain a secure, organized job site to protect your family and property throughout the process.

Once demolition is complete, we move into replacing damaged materials. This often includes flooring, cabinetry, appliances, plumbing, and light fixtures. Our goal is to restore items with like-kind and quality materials whenever possible.

If the original product is no longer available, we work with you to select the closest match. Before anything is ordered, you’ll review and approve the options to ensure you’re satisfied with the final look and quality.

Restoration means bringing your property back to its pre-loss condition. Our team focuses on making your home or business safe, functional, and comfortable again so you can return to normal life as quickly as possible.

We’ll stay in close communication, address your concerns, and follow through on the approved scope of work.

Note: Insurance policies cover restoration, not remodeling or upgrades. If you’d like additional improvements, your project manager can coordinate those as separate work outside of the insurance claim.

At National First Response, we believe quality isn’t just a final check — it’s built into every step of the process. Still, before your project is officially complete, our team conducts a final inspection to make sure every repair and restoration detail meets the highest standards.

We review all work performed, confirm safety and functionality, and walk the property with you to ensure you are fully satisfied. Our goal is to deliver consistent, reliable results that restore your property and your peace of mind.

Once restoration is finished, our project manager will meet with you on-site to review every detail of the work. If you notice any issues, they’ll be documented and corrected quickly, usually within three business days.

After you’re satisfied, you’ll sign a Certificate of Completion that confirms the project is finished. At this point, your insurance carrier will close out the claim and release any final payments, including depreciation if it applies.

This last step ensures you’re confident in the results and that your property has been fully restored to pre-loss condition.