RestoreRadarAnswer
If water is still entering, stop the source only when it is safe, protect people from electrical and contamination hazards, photograph the damage, and follow your policy's notice and temporary-protection requirements. Those immediate actions are separate from choosing who receives a larger mitigation or reconstruction contract.[9][10]
Checklist
Use this during the first call and inspection. A polished logo or a 24/7 claim is not evidence by itself; each item should produce something you can check independently.
| Check | Ask for and verify | Stop if |
|---|---|---|
| Business identity and applicable license | Get the legal business name and any license number required for the exact work. Match the name, status, scope, and company affiliation in the official state or local roster.[1][2][3] | The number belongs to someone else, the scope does not cover the work, or the company will not identify the contracting entity. |
| Water-restoration qualification | Ask who will lead the drying work and which water-restoration credentials that person or firm holds. Check IICRC Certified Firm status in the official locator and ask to see technician credentials.[4] | The company treats a logo on a truck as proof, cannot name the person supervising the work, or will not show the claimed credential. |
| Liability and workers' compensation coverage | Request current proof of coverage for the company that will sign the contract, then confirm the document and coverage dates with the issuer or applicable state source.[8] | The insured name does not match the contracting company, the document is expired, or 'fully insured' is the only answer. |
| Inspection and drying plan | Ask what was measured, where moisture was found, how the water condition affects removal decisions, what equipment will be used, and which written readings will show the drying goal was reached.[5] | The final scope is quoted without an inspection, no moisture readings are planned, or completion means only that surfaces look dry. |
| Written scope, rates, and changes | Read the work authorization and ask for the work scope, pricing basis, responsibility for uncovered charges, cancellation terms, and a written change-order process before signing.[6][7] | The contract has blanks, promised terms are missing, payment language is unclear, or you are told there is no time to read it. |
| Control of the insurance claim | Identify who may report the claim, speak for you, make repair decisions, endorse checks, or collect benefits. Ask your insurer or state insurance department about unfamiliar authorization or assignment language.[6][7] | Emergency help is conditioned on immediately transferring claim rights, or the company will not explain what authority the contract gives it. |
The loss
Fast response matters, but '24/7' is only a marketing statement until the company gives a real arrival window for your address. Ask what the first visit includes: inspection, moisture mapping, emergency extraction, containment when needed, and a written explanation of the next decision.[5]
Verify claims
Treat 'licensed, certified, insured' as three separate claims. Licensing depends on the state, locality, and exact work, so use the applicable official roster rather than a badge on the company's site. IICRC Certified Firm status has its own locator. Insurance coverage should identify the same legal entity that signs your contract and should be current for the work period.[1][2][3][4][8]
RestoreRadar keeps those evidence types separate too. A provider receipt identifies whether a detail came from an official credential issuer, a public source, a document, or the provider's own website, plus the checked date and limitation. Listing and placement are not endorsements, and an unconfirmed item stays unknown instead of becoming a negative claim.
Drying plan
A useful plan connects measurements to decisions. The company should be able to explain where moisture was detected, which materials may be dried or removed, how contamination changes the approach, what equipment and containment are proposed, and what readings will be documented before equipment is removed. Ask for the explanation in plain language and the measurements in the job record.[5]
Do not use a single gadget or impressive term as a shortcut for competence. Infrared imaging can help locate areas to investigate, but the decision still needs material-specific moisture readings, inspection, and documented drying goals. The IICRC S500 is an industry standard for professional water-damage restoration; certification is a useful signal, not a guarantee of the outcome.[5]
Contracts
Emergency stabilization and a full rebuild are different buying decisions. Even when immediate extraction or protection must begin, ask what you are authorizing now, how rates and materials are documented, which later work requires a change order, and who owes amounts the insurer does not cover. Compare reconstruction scopes and bids once the emergency is controlled.[6][7][8]
Direct billing does not by itself make a company independent, approved, or fully covered by your policy. Confirm coverage and claim procedures with your own insurer or adjuster. If a contract includes an assignment of benefits or another authorization to act on your behalf, read the exact authority it transfers and check current state rules before signing. The NAIC warns that an AOB can transfer claim decisions and payment rights; Florida prohibits AOBs for claims under property policies issued or renewed on or after January 1, 2023.[6][7]
Red flags
Stop when the company will not identify the legal entity doing the work, quotes a final scope without inspecting the loss, refuses to document moisture, leaves blanks in the contract, pressures you to sign before reading, demands full payment before work is complete, or makes claimed credentials impossible to verify. Door-to-door contact after a disaster is not proof of fraud, but it is a reason to verify identity and local authority before paying or signing.[1][2][3][4][6][8]
Treat any promise to hide, absorb, or offset an insurance deductible as a state-law and claim-integrity warning. Texas says contractors cannot waive a deductible or help a homeowner avoid paying it; Florida also restricts deductible-waiver inducements. Rules vary, so check your own state insurance department rather than relying on a national slogan or the contractor's explanation.[11][12]
Sources
- Texas TDLR license searchTexas Department of Licensing and RegulationTexasActive-license lookup; requirements depend on the exact regulated work.Link and scope checked August 2, 2026
- Florida DBPR license searchFlorida Department of Business and Professional RegulationFloridaLicensee lookup for professions and businesses regulated by DBPR; not a universal restoration-company license.Link and scope checked August 2, 2026
- Louisiana State Licensing Board for ContractorsLouisiana State Licensing Board for ContractorsLouisianaContractor-name search; required classification and authority depend on the exact work.Link and scope checked August 2, 2026
- IICRC Global Locator (official certification registry)Institute of Inspection, Cleaning and Restoration CertificationIndustry credential registryCertified-firm and technician lookup; certification is not a universal legal license or outcome guarantee.Link and scope checked August 2, 2026
- IICRC S500 Standard for Professional Water Damage RestorationInstitute of Inspection, Cleaning and Restoration CertificationIndustry standardPublic description of the 2021 S500 water-damage-restoration standard and its documented scope.Link and scope checked August 2, 2026
- NAIC — Assignment of Benefits: Consumer BewareNational Association of Insurance CommissionersUnited States consumer guidanceAssignment-of-benefits rights and risks; current state law and policy language still control.Link and scope checked August 2, 2026
- Florida Department of Financial Services — Assignment of BenefitsFlorida Department of Financial ServicesFloridaFlorida assignment-of-benefits restrictions and consumer contract guidance, including policies issued or renewed on or after January 1, 2023.Link and scope checked August 2, 2026
- Florida Department of Financial Services — Contractor residential-property FAQsFlorida Department of Financial ServicesFloridaFlorida consumer guidance to request proof of contractor general-liability and workers' compensation coverage or exemption before signing.Link and scope checked August 2, 2026
- CDC — Safety guidelines for returning home after a natural disasterCenters for Disease Control and PreventionUnited States disaster-safety guidanceReentry, structural and electrical hazards, floodwater, insurer contact, photographs, and cleanup safety.Link and scope checked August 2, 2026
- National Flood Insurance Program — Flood recovery checklistFEMA National Flood Insurance ProgramUnited States; NFIP flood recovery and claimsSafety, insurer notice, pre-cleanup photos and video, damaged-property records, receipts, drying, and qualified repair help.Link and scope checked August 2, 2026
- Texas Department of Insurance — Contractor deductible rulesTexas Department of InsuranceTexasTexas contractor deductible-waiver rule; the source page was last updated December 9, 2025.Link and scope checked August 2, 2026
- Florida Statutes § 817.234 — False and fraudulent insurance claimsFlorida LegislatureFloridaCurrent statutory text addressing contractor payment, waiver, or rebate of property-insurance deductibles with intent to defraud or deceive.Link and scope checked August 2, 2026