We Handle Your Insurance Claim — You Focus on Your Family
From the first call to final payment, TruRenu manages your restoration insurance claim directly. We document the damage, communicate with your adjuster, prepare industry-standard estimates, and ensure nothing falls through the cracks.
How TruRenu Works With Your Insurance Company
You call TruRenu — we respond same day
Call or text 888-867-4911. We dispatch to your location the same day throughout the Atlanta metro area. Stopping active damage is the first priority — claim documentation starts the moment we arrive.
We document everything your adjuster needs
Our team conducts a thorough damage assessment using moisture meters, thermal imaging, and photographic documentation. We capture the cause of loss, the extent of damage, and the materials affected — everything your insurance company requires to process a claim quickly.
We prepare a Xactimate estimate
Our estimates are prepared using Xactimate — the industry-standard estimating software used by insurance adjusters nationwide. Because we speak the same language as your adjuster, our documentation is already in the format they need, which reduces review time and disputes.
We communicate directly with your adjuster
You do not need to relay technical information between us and your insurance company. TruRenu communicates directly with your adjuster, answers their questions, and provides supplemental documentation if additional damage is discovered during restoration.
We complete the restoration — direct billing
Once the claim is approved, we complete the full restoration and bill your insurance company directly for the covered scope of work. You are responsible only for your deductible — nothing more for covered damage.
What Is Xactimate and Why Does It Matter?
Xactimate is the estimating software used by the vast majority of property insurance adjusters in the United States. It prices restoration work using real local labor and materials costs, and outputs estimates in a standardized format that insurance companies trust.
When a restoration contractor prepares a handwritten or non-standard estimate, adjusters often cannot use it directly — leading to back-and-forth, supplemental requests, and delays in getting your claim approved and work started.
Because TruRenu prepares Xactimate estimates, your adjuster receives documentation they can review, approve, and process without asking us to resubmit in a different format. This typically means faster approvals, fewer disputes, and less time between damage and repair for you.
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Accepted by all major insurance carriers
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Real local labor and materials pricing
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Line-item documentation for every scope of work
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Adjuster-compatible format — no resubmission
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Supplement requests handled if damage scope grows
What Your Adjuster Needs — We Provide It All
Insurance adjusters require specific documentation to evaluate and approve a restoration claim. TruRenu prepares and provides all of the following as part of every project.
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Cause-of-loss documentation
Photographic and written documentation establishing what caused the damage — essential for confirming the event is a covered peril under your policy (e.g., sudden burst pipe vs. gradual leak).
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Moisture mapping and readings
Moisture meter readings and thermal imaging showing the extent of water intrusion throughout structural materials — required to justify the drying scope and document that all affected areas were addressed.
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Photo documentation of all damaged areas
Timestamped photos of the damage as-found before any work begins, plus progress photos through remediation and restoration. Documents the full scope for the claim record.
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Xactimate line-item estimate
Detailed estimate for all restoration work, broken into line items by category (mitigation, demolition, drying equipment, repairs) in the format your adjuster already uses.
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Daily drying logs (water damage)
For water damage projects, daily moisture readings showing the drying progress. This documentation justifies the number of days equipment was on-site and is required by most carriers.
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Certificate of completion
Final documentation confirming all work is complete, materials have reached dry standard, and the property is restored to pre-loss condition.
What If My Insurance Claim Is Denied?
A denial is not necessarily the final word. Insurance companies deny claims for a number of reasons, and many denials can be successfully appealed with the right documentation.
Common reasons for denial that can be addressed:
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Insufficient cause-of-loss documentation
If the adjuster could not confirm the damage was sudden and accidental, our detailed cause-of-loss report and timeline documentation can support a reconsideration.
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Scope dispute — adjuster and contractor estimates differ
When an adjuster’s scope is lower than our estimate, we provide supplemental documentation with detailed line-item justifications and material specifications. This process often results in upward adjustment of the approved scope.
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Pre-existing condition cited
Adjusters sometimes attribute damage to pre-existing conditions. Our before/after documentation and moisture mapping can counter this if the damage clearly resulted from the covered event.
If your appeal is unsuccessful, you have the option to hire a licensed public adjuster — an independent professional who represents you (not the insurance company) in the claim process. TruRenu can refer you to licensed public adjusters operating in the Atlanta metro area.
Insurance Claims FAQ
Most standard homeowner’s insurance policies cover sudden and accidental water damage — such as a burst pipe, appliance failure, or roof leak from a storm. Gradual leaks, maintenance neglect, and flooding from outside the home (which requires separate flood insurance) are typically not covered. TruRenu helps document the cause of damage to confirm coverage before work begins.
Whether a claim affects your premiums depends on your policy, your insurer, your state, and your claims history. Filing a single claim for significant damage — like a burst pipe or fire — is generally worth the premium impact compared to paying out of pocket. TruRenu can help you understand the scope of damage and costs before you decide whether to file, but the premium impact question is best answered by your insurance agent.
If your claim is denied, you have the right to appeal the decision. The most common reasons for denial are: the damage is attributed to gradual neglect rather than a sudden event, the claim falls below your deductible, or the documentation is insufficient to establish the cause. TruRenu provides thorough damage documentation and clear cause-of-loss evidence that supports your claim. If your claim is denied after a proper appeal, a licensed public adjuster can represent you independently.
Your insurance policy may require more than one estimate. However, with active water damage, fire damage, or storm damage, waiting to collect multiple estimates can allow damage to worsen significantly — mold begins growing in 24 to 48 hours. TruRenu prepares Xactimate estimates using the same software your insurance adjuster uses, which typically satisfies the documentation requirement for your insurer.
Restoration Services We Handle Through Insurance
Water Damage Restoration
Burst pipes, appliance failures, roof leaks, and storm-related water intrusion. Typically covered under standard homeowner’s policies as sudden and accidental damage.
Mold Remediation
Mold resulting from a covered water event is typically covered. TruRenu documents the causal link between the water damage and mold growth to support your claim.
Fire & Smoke Damage
Fire and smoke damage are among the most universally covered perils. We handle the full scope from emergency board-up through structural restoration and content cleaning.
Wind & Storm Damage
Wind, hail, and storm damage are typically covered. TruRenu provides emergency tarping and board-up to prevent further damage while the claim is being processed.
Ready to Start Your Claim? Call TruRenu Now.
We respond the same day and begin documentation immediately. Serving Gwinnett, DeKalb, Forsyth, Hall, Barrow, Jackson, and Fulton counties. Direct insurance billing on every project.
888-867-4911Available 24/7 — Lawrenceville, GA