Insurance adjusters working Long Island property claims have one consistent need: a restoration contractor who speaks their language, documents correctly, and doesn’t make the claim harder. Upper Restoration has built its entire operational workflow around making the adjuster relationship seamless – from first site visit through final closeout.
Xactimate Estimating
Every Upper Restoration project is estimated using Xactimate – the industry-standard software that adjusters use to evaluate restoration scopes. Our project managers are trained in Xactimate line-item documentation so there are no translation issues between our scope and yours. We include all legitimate line items: containment, HEPA filtration, antimicrobial treatment, monitored drying, and contents manipulation. We don’t pad scopes, and we don’t miss legitimate items.
Moisture Documentation
Structural drying documentation is one of the most disputed areas in water damage claims. Upper Restoration provides daily moisture logs with readings from all affected materials, equipment placement records, and psychrometric data (temperature, humidity, GPP) at each monitoring visit. This documentation supports the scope and duration of drying equipment use – the most common area of adjuster-contractor disagreement.
Photo Documentation
We photograph every affected area at intake, during demo, during drying, and at completion. Photos are organized by room and date, geotagged, and provided in a format compatible with major claims management platforms. Adjusters receive a complete visual record without having to request it.
Category and Class Classification
Upper Restoration classifies all water damage per IICRC S500 Category (1, 2, or 3) and Class (1-4) standards. This classification drives the appropriate scope of work and drying protocol – and our documentation makes it easy for adjusters to verify the classification and support it in their own notes.
Supplemental Claims Support
Hidden damage discovered during demolition is documented immediately with photos, moisture readings, and a written supplement submitted to the adjuster before any additional work proceeds. We don’t proceed without authorization on supplements, and we don’t hide scope additions in final invoices.
What Adjusters Say About Working With Us
Adjusters who have worked with Upper Restoration on Long Island claims consistently note: files arrive complete, documentation is in the right format, and supplements are well-supported. We’ve built relationships with major carriers’ Long Island field staff because we make their job easier.
For Adjusters: Contact Our Commercial Team
If you’re an adjuster with an active Long Island or NYC claim, contact Upper Restoration’s commercial team directly at upperrestoration.com. We respond to adjuster calls within 2 hours during business hours and can have a project manager on site same day for emergency losses.
Frequently Asked Questions
Does Upper Restoration work with all major carriers?
Yes – we work with all major property carriers active in New York including Travelers, Allstate, State Farm, USAA, Chubb, and regional carriers. We’re familiar with each carrier’s preferred documentation formats and claim submission processes.
Do you offer direct billing to insurance?
Yes. We can bill the carrier directly for approved scopes, with the homeowner responsible only for their deductible. We handle the paperwork and follow up on payment – the policyholder doesn’t need to manage the billing process.
What if the adjuster’s scope and our scope don’t match?
We address scope disagreements professionally and with documentation. We don’t ask policyholders to absorb legitimate restoration costs. If a line item is disputed, we provide supporting documentation from IICRC standards or manufacturer specifications. Most scope differences are resolved quickly when both parties are working from the same data.
Conclusion
Upper Restoration is built to work with adjusters, not around them. Our documentation, our estimates, and our communication are all designed to make Long Island claims close faster and with less friction. Contact us to discuss an active claim or to add Upper Restoration to your preferred contractor list.
