While both restoration contractors and general building contractors are skilled in construction, insurance restoration contractors specialize in repairing damage caused by unexpected events—like water, fire, storm, or tree impact. Here's how we differ:

• Expertise in Insurance Claims: Restoration contractors work closely with insurance adjusters and understand the claims process inside and out. We know how to document damage, write estimates using industry-standard software, and communicate effectively with carriers to help ensure fair coverage and faster approvals.
• Emergency Response & Mitigation: Unlike general contractors, restoration professionals are trained to respond quickly to emergencies. We offer services like water extraction, tarping, and board-ups to prevent further damage before repairs even begin.
• Code Compliance & Scope Matching: We’re experienced in restoring homes to pre-loss condition while meeting local codes and matching the scope of work to what insurance will cover, something general contractors may not be familiar with.
• Streamlined Process: From the initial call to the final walkthrough, we manage the entire restoration process with minimal disruption to your daily life, helping you return to normal as quickly and smoothly as possible.

Choosing a qualified insurance restoration contractor means choosing peace of mind, efficiency, and expertise tailored to your situation.

After filing a claim with your insurance company, many property owners are unsure of what comes next. That’s where Capezio Contractors steps in to guide you through every stage of the process.

1. Stop Further Damage. The priority is preventing additional damage. This may include emergency services like tarping a damaged roof, boarding up broken windows, or stopping a plumbing leak. Capezio Contractors can assist with these immediate needs to help stabilize your property.
2. Mitigation & Clean-Up. If necessary, our team will begin mitigation services to remove wet or damaged materials, including drywall, flooring, or insulation. This step is critical to prevent mold growth and further structural issues.
3. Damage Assessment & Estimate. Once mitigation is complete, Capezio will send a trained estimator to assess the full extent of the damage. We’ll prepare a detailed estimate and submit it directly to your insurance company, working closely with your adjuster to reach an agreed scope and price.
4. Authorization & Repairs. After insurance approval, we’ll send you the necessary paperwork to authorize repairs. From there, we’ll schedule and manage the full restoration process, keeping you informed every step of the way.

Many homeowners are surprised by the number of steps and people involved in an insurance claim. At Capezio Contractors, we’re here to simplify the process, advocate on your behalf, and restore your home with care and expertise.

Your insurance deductible is the portion of the claim you’re responsible for paying out of pocket. It’s typically applied once per claim, and the insurance company covers the remaining approved repair costs.

Here’s a simple example: If your deductible is $500 and your insurance adjuster approves a $10,000 repair estimate, your insurance carrier would pay $9,500, and you would pay the $500 deductible.

At Capezio Contractors, the deductible is typically the only payment we request upfront before scheduling your repairs. The rest is billed directly to your insurance company once the scope of work is approved.

If you’re unsure about your deductible amount or how it applies to your claim, your insurance carrier is the best source for clarification. We’re always happy to help guide you through the process and answer any questions you may have along the way.

This is one of the most common questions we receive, and the answer depends on several factors. Once we have your signed Work Authorization and deductible payment, we can begin scheduling your project.

For straightforward repairs, work may begin within 7–10 days. More complex projects that require permits, inspections, or custom materials may take longer to start. The overall timeline can be influenced by:

• Material availability
• Weather conditions
• Scheduling logistics
• Timely decisions from the property owner

You can help speed things up! Providing material selections early such as flooring, paint colors, or fixtures allows us to order everything promptly and keep your project moving forward.

Throughout the process, our Project Managers will keep you informed with clear communication and scheduling updates, so you always know what to expect.

We understand that life doesn’t stop just because your property needs repairs. Most of our work is scheduled during regular business hours (Monday through Friday), which can be challenging for those with busy schedules.

To make things easier, Capezio Contractors offers lockbox access for property owners who may not be available during the day. This allows our licensed and insured professionals to complete the work without requiring your presence at home.

Rest assured, our team treats every property with the utmost care and respect, whether you're present or not. We’re committed to making the repair process as convenient and stress-free as possible.