Discovering water damage in your home is stressful. Getting your insurance claim denied? That’s even worse. At ARS Restoration Services, we understand the challenges Washington State homeowners face when trying to recover after a flood, leak, or storm—and we’re here to help even when your insurance company says “no.” Here’s what to do next if your water damage claim is denied—and how ARS can provide you with a path forward through expert restoration and flexible financing options.
Answering The Question: What To Do When Your Water Damage Claim Gets Denied
Step 1: Don’t Panic—Understand Why the Claim Was Denied
The first step is reviewing your denial letter. Common reasons for denial include:
- The damage was considered gradual (not sudden or accidental)
- Lack of proper maintenance or documentation
- Water damage was caused by a flood, which is often not covered under standard policies
- Mold growth was considered preventable
- The insurance company believes the damage is pre-existing
Understanding the reason will help you plan your next move—whether it’s disputing the claim, adjusting your policy, or seeking help elsewhere.
Step 2: Contact a Professional for an Independent Inspection
Many homeowners are surprised to learn that their damage is worse than what was documented in the original adjuster’s report. That’s why it’s critical to schedule a free on-site inspection with a professional restoration company like ARS.
Our IICRC-certified technicians will:
- Fully assess the extent of the water or mold damage
- Create a detailed restoration plan
- Provide a transparent, itemized estimate for repairs
This second opinion not only helps you understand what you’re really facing—it can also support an appeal or supplement request if you choose to dispute your claim.
Step 3: Explore Financing Options If Your Claim Won’t Move Forward
When insurance won’t cover the damage, many homeowners feel stuck. But ARS offers a solution: simple, fast financing with no credit impact to pre-qualify.
Our Flexible Financing Options Include:
- Quick online application – takes just minutes
- Approvals within 24 hours
- No long forms or hassle
- No upfront payments
- Multiple financing partners
Qualifications include:
- Valid ID
- Proof of income
- U.S. checking account
- Property ownership
- 550+ credit score
Once approved, our team begins restoration right away—no delays, no red tape.
Step 4: Begin the Restoration Process
At ARS Restoration Services, we handle every aspect of the restoration process so you don’t have to worry. Our full-service solutions include:
- Water & Mold Mitigation
- Storm Damage Cleanup
- Sewage & Crawlspace Cleanup
- Fire & Smoke Damage
- Full Reconstruction Services
We back our work with a 5-year workmanship warranty and offer 24/7 emergency response to ensure you’re never left waiting in an emergency.
Why Choose ARS Restoration Services?
When your insurance claim is denied, you don’t have to put your life on hold. ARS offers:
- Free same-day inspections
- Certified, professional restoration teams
- Help with insurance documentation (even post-denial)
- Multiple financing options to fit your needs
- Fast, compassionate service from a trusted local company
We Have the Power to Help—Even When Claims Are Denied
Insurance roadblocks shouldn’t stand between you and a safe home. Whether your claim was denied due to coverage gaps or policy fine print, ARS Restoration Services in Vancouver, WA is here to support you every step of the way.
