W&K Restoration Guide
Navigating Your Insurance Claim
What your adjuster needs, what your rights are, and how the process actually works.
You choose your contractor
Your carrier may recommend a preferred vendor. You are never required to use one. Connecticut policyholders have the right to hire the restoration contractor of their choice.
Documentation drives everything
Adjusters approve what they can verify. Moisture readings, daily drying logs, photo documentation, and line-item estimates in Xactimate — the industry-standard format — are what move a claim. This is why professional documentation matters as much as the work itself.
Mitigation vs. rebuild are separate scopes
Your claim typically covers two phases: emergency mitigation (stopping and drying the damage) and reconstruction (putting it back). These are estimated and approved separately. A contractor who handles both keeps the file coherent.
Don't sign anything you don't understand
Assignments of benefits, work authorizations, and settlement releases all have consequences. Read them. Ask questions. A legitimate contractor will explain every document before you sign it.