Contact your insurer within 48 hours of discovering damage; document everything with photos/video before cleanup begins; request a professional adjuster assessment; and have a certified restoration company (like Elyon) prepare detailed damage reports. Most homeowner policies require prompt notification (48 hours–30 days) to avoid claim denial. We work directly with insurance adjusters to document damage, explain repair scope, and defend your claim against lowball offers. Common denial triggers: delaying notification, attempting DIY cleanup (destroys evidence), or failing to obtain inspection before repairs. Our detailed damage documentation and repair estimates significantly increase claim approval rates. Claim timeline: notification (immediate) → adjuster inspection (3–5 days) → estimate review (5–10 days) → approval (5–7 days) → work begins. We also help negotiate with adjusters if their estimate is lower than our assessment. Insurance pays restoration directly; you're responsible for your deductible (typically $500–$5,000 depending on policy). For major claims, hiring a public adjuster (3–10% fee) may increase your payout significantly. Elyon handles all claim documentation and negotiation with adjusters—call (720) 602-6746 for personalized guidance.