Portland & Vancouver · We Bill Your Insurance Directly
We Handle Water, Fire & Mold Damage Insurance Claims for You
We document your loss, bill your carrier, and advocate for a fair claim. You pay your deductible. We handle the rest.
Independent, we work for you
Know Your Rights
You Choose Your Contractor, Not Your Insurer
You have the right to choose your own restoration contractor in Washington and Oregon. Your insurer may recommend a “preferred vendor,” but that choice belongs to you, not them.
Your Rights & the Preferred-Vendor Myth
Preferred vendors have a financial relationship with the carrier. That relationship can create pressure to scope conservatively. We are independent, our job is to document and restore everything that was damaged.
We Bill Your Carrier Directly
You do not write a check and wait for reimbursement. On covered claims, we settle with your insurer directly. Your out-of-pocket cost is limited to your deductible.
We Document with Photos & Moisture Readings
Photographs taken before any cleanup are your most important claim document. We maintain a detailed job log and prepare every estimate in Xactimate format.
We Advocate for a Fair Claim
If your adjuster questions a line item, we negotiate with documentation to support every item. We have settled hundreds of claims in the Portland-Vancouver metro.
Coverage by Peril
What Homeowners Insurance May Cover
Coverage always depends on your specific policy, the cause of the loss, and any endorsements you carry. The following is general guidance, not legal or financial advice. Your declarations page is the authoritative source.
Water Damage
Sudden, accidental events, burst pipes, appliance leaks, and storm water through a covered roof opening, may be covered. Gradual leaks and long-term seepage are typically excluded. Sewage backup usually requires a separate endorsement. See our water damage page.
Fire & Smoke Damage
Fire damage is among the best-covered perils in a standard HO-3 or HO-5 policy. Structure, personal property, and smoke damage throughout the home are typically included. Additional Living Expenses (ALE) may cover a hotel while your home is restored. See our fire damage page.
Mold
Mold that results directly from a covered water event may be covered. Pre-existing mold from long-term humidity or a slow leak is typically excluded as a maintenance issue. Acting fast after water damage is the most important factor. See our mold remediation page.
Sewage Backup
Standard policies typically exclude sewage backup unless you carry a specific water and sewer backup endorsement. If you have that rider, a covered sewage event may include Category 3 extraction, structural drying, and damaged contents. Check your declarations page to confirm.
Step by Step
How a Restoration Insurance Claim Works
Most homeowners have never navigated a major restoration claim. Here is what to expect, and where we step in.
Emergency call and mitigation
Call us the moment you discover damage. We stop active damage first: water extraction, board-up, or fire containment. We document everything with photos before starting any cleanup, that documentation becomes part of your claim record.
File with your insurer
Contact your agent or file through your carrier’s portal. Provide the date, time, and cause of the loss. You will be assigned an adjuster who handles your claim file.
Adjuster inspection
We coordinate directly with your adjuster and are on-site for the inspection. Walking through the damage together lets us flag every affected area while the adjuster is present, not after the fact.
Xactimate estimate
We prepare your full scope of loss in Xactimate and submit it to your adjuster. If they return a lower number or miss items, we negotiate line by line with documentation to support every item.
Approval and work begins
Once the scope is approved, we schedule and begin work. For major losses, work may begin in phases as approvals come through.
Direct billing
We bill your carrier directly. You pay your deductible. That is your out-of-pocket responsibility on a covered claim. We handle the rest.
Claim Concepts
Key Concepts That Affect Your Payout
Understanding these three factors before your adjuster arrives can make a significant difference in your final settlement.
Sudden vs. Gradual Damage
Insurance covers sudden, accidental damage: a pipe that bursts overnight, a washing machine hose that fails. It typically excludes gradual damage that built up over time. The sooner you document the event, the cleaner the record.
ACV vs. Replacement Cost Value
Check your declarations page. ACV pays the depreciated value of damaged items. RCV pays what it actually costs to replace them like-for-like. RCV policies cost more in premium but pay out significantly more on major losses.
Your Deductible
Your deductible is the amount you pay before coverage applies. On a covered claim, you pay your deductible to us and we collect the remainder from your carrier. Some policies carry a separate wind or hail deductible.
What We Restore
Every Loss, One Team
We handle every major loss type from first response through completed rebuild, billing your insurance directly throughout.
Most Common
Water Damage Restoration
Burst pipes, floods, leaks and storm intrusion. We extract water, dry the structure, and prevent mold before it starts.
Get water damage help
Fire & Smoke Damage
Soot removal, smoke-odor neutralization and structural cleanup to bring your home back from the ashes.
Get fire & smoke help
Mold Remediation
Safe containment, removal & prevention.
Get mold removal
Reconstruction
Full rebuild, better than before.
Rebuild your home
Contents Pack-Out
We protect, clean & store your belongings.
Protect your belongingsEmergency? We’re standing by.
Real people answer 24/7, day, night, weekends & holidays.
Why RescueHero
Disaster Is Stressful Enough
We take the weight off your shoulders, fast response, real expertise, and an insurance process we handle for you.
Fast 24/7 Response
We answer day or night and arrive on-site in 90 minutes or less, because water damage spreads by the hour.
We Handle Your Insurance
We document the loss and bill your insurance company directly, so you can focus on your family.
IICRC-Certified Crews
Trained, certified technicians using industrial drying, thermal imaging and proven methods to restore your home.
Local Experts Since 2003
Two decades restoring Portland-metro homes and businesses, ranked in the top 4% of Washington contractors.
How It Works
Three Steps to Your Home Restored
A clear, calm process from your first call through the final repair.
Call & Rapid Response
Call (360) 300-4111 any time. We dispatch a crew and arrive on-site in 90 minutes or less to assess the damage and stop it from spreading.
Mitigate & Dry
We stop the source, extract water, and set up industrial drying to prevent mold and further loss, documenting everything for your claim.
Restore & Rebuild
From repairs to full reconstruction, we return your home to pre-loss condition and handle your insurance claim from start to finish.
Licensed, Bonded & Insured
Fully licensed in Oregon & Washington (WA #PALIYCL840CR · OR CCB #178996), with full insurance for your peace of mind.
IICRC Certified
Our technicians are trained and certified to IICRC industry standards for water, fire and mold restoration.
Workmanship You Can Trust
We don’t leave until it’s done right, restored to pre-loss condition or better.
Insurance Claims Made Easy
We Work Directly With Your Insurance
We document the full scope of the loss with photos and moisture readings, bill your insurance company directly, and advocate for a fair, complete claim. On a covered loss, your out-of-pocket cost is your deductible. Coverage is always conditional on your specific policy and the cause of loss.
- Billed directly to your insurance carrier
- Full photo & moisture documentation
- We advocate for a fair, complete claim
- You choose your contractor, not the insurer
Built on Trust
Two Decades of 5-Star Craftsmanship
RescueHero is the restoration arm of the Paliy family’s construction company, rated 5.0 on HomeAdvisor and ranked in the top 4% of Washington contractors by BuildZoom. The same proven team and standards, now restoring homes and businesses after disaster.
“The work was done efficiently and professionally, with very good communication.”
“Great work! Fast, clean, customer friendly!”
“Art and David were extremely professional and answered all my questions while installing our new floors.”
Verified reviews of the Paliy family’s construction & remodeling work (BuildZoom). Restoration reviews coming as RescueHero launches.
Common Questions & Answers
Insurance Claim FAQs
Does homeowners insurance cover water damage?
Does homeowners insurance cover mold?
Do I have to use my insurance company’s preferred contractor?
How long does a restoration insurance claim take?
What does Xactimate mean?
Can I negotiate my insurance claim settlement?
What is ACV vs. replacement cost on my insurance claim?
Does insurance pay for temporary housing during restoration?
Where We Work
Serving the Portland & Vancouver Metro
Fast, local response across the entire Portland/Vancouver metro. Our crews are based right here, so when you call, help is already on the way.
View All Service Areas
Damage Happened. We’re Ready.
One call starts the rescue. We’ll be on the way, and we’ll handle your insurance from here.
Get Help Now
Tell Us What Happened
Tell us what happened and we’ll call you right back. For an active emergency, please call or text (360) 300-4111, we answer 24/7.