When disaster strikes, you call your insurance company. But navigating claims after fire or flood damage? That’s a maze most homeowners aren’t prepared for.At Mihalko’s, we’ve worked alongside insurance adjusters for decades — and we’ve seen the gaps. Here’s what your policy may not tell you:
1. You Have a Say in Who Does the WorkInsurance companies may recommend contractors, but you can choose your own licensed restoration company. Choose someone you trust — like Mihalko’s.
2. Documentation Is EverythingInsurers often require extensive proof of damage — photos, itemized losses, and cost estimates. We help document everything up front, which can make or break your claim.
3. “Like Kind and Quality” Can Be NegotiatedYour policy might say they’ll replace materials with “like kind and quality,” but what that means is open to interpretation. Our team ensures you get fair value for repairs — not shortcuts.
4. Insurance Doesn’t Handle ReconstructionMost policies cover damage removal — but not necessarily the rebuild. Mihalko’s does both, saving you time, stress, and extra contractors.Facing a claim? Call us first. We’ll help you manage your damage — and the process — from the ground up.
