Insurance Claim Restoration
We Work for You, Not Your Insurance Company
Storm damage, water leaks, mold, termites — the contractor on your insurance company’s preferred list works for the insurance company. OMG Kitchen & Bath works for you. We help San Antonio homeowners file, negotiate, and complete restoration claims so you get the full settlement you’re entitled to and a home that’s actually back to better than before.
Why Your Choice of Contractor Matters
Insurance companies don’t typically tell you this, but the contractor matters as much as the policy. Contractors affiliated with your insurance carrier are paid by the carrier — their incentive is to keep the settlement low and the scope tight. As an independent restoration contractor, OMG advocates for the homeowner. We document the actual damage, write the scope to fix the actual problem, and negotiate with the adjuster on your behalf.
You have the right to choose your own contractor. You have the right to obtain independent estimates and present them to your insurance company. And you have the right to negotiate the settlement before signing off.
Damage Types We Restore
Water Damage
Burst pipes, supply line failures, slow leaks, sewer backups, and storm-driven water intrusion. We dry, demo, and rebuild.
Storm & Wind
Hail, wind-driven rain, fallen trees, roof failures, and the cascade of interior damage that follows.
Mold Remediation
Hidden mold from long-term moisture — safely removed, the source addressed, and the affected areas rebuilt to spec.
Termite Damage
Structural framing, sub-floor, and finish repairs after a documented termite event.
Fire & Smoke
Soot removal, odor neutralization, and full restoration of finishes, fixtures, and structural components.
Plumbing Leaks
Slab leaks, ice-maker lines, ice maker hoses, water heater bursts — the kind of slow leak that shows up months later as a $30,000 problem.
How Our Insurance Claim Process Works
- Free Damage Assessment. We come out, walk the home, photograph everything, and give you a no-pressure read on the scope of damage and what restoration will actually require.
- Independent Estimate. We prepare a written, itemized estimate that covers the real scope — not a stripped-down version designed to pass an adjuster’s first read.
- Claim Negotiation Support. We share our estimate with your adjuster, address pushback, document hidden damage, and supplement the claim where coverage allows.
- Restoration & Remodel. Once the settlement is in place, we execute. Same OMG craftsmanship as a paid remodel — nothing lower-grade because the carrier is funding it.
- Final Walk-Through. Your home is restored, you sign off, and we close the project. Workmanship warranty applies the same as any OMG project.
Know Your Policy Before You File
Most homeowners discover their coverage gaps after a claim. A few things worth checking before you need them:
- Your real deductible. Standard is around 1% of home value, but Texas carriers increasingly offer 2-3% deductibles on rental and second properties. A higher percentage deductible can make a roof replacement claim feel pointless. Make sure your deductible is one you can afford today.
- Water-damage caps. Some policies cap water-damage payouts at $10,000 even if the actual repair is $30,000. We have seen exactly that case in San Antonio.
- Tree falls from a neighbor’s property. Are they covered? Most homeowners assume yes; many policies say no.
- Loss of use. Will temporary housing and meals during repairs be reimbursed?
- Recoverable depreciation. Do you receive actual cash value (ACV) up front and the rest after repairs are complete — or replacement cost only?
If you’re unsure how any of these apply to your policy, we’ll review the relevant section with you during the free consultation.
A Real San Antonio Example
A homeowner came to us after a broken supply line behind a toilet caused $30,000 of water damage. His policy — one of the lowest-premium options on the market — capped water-damage claims at $10,000. He didn’t know that when he bought it.
We documented the full scope, supplemented the claim where additional coverage applied, and worked with him on a realistic restoration plan that fit his actual settlement. The takeaway: read your policy before the next claim, and choose a contractor who reads it with you.
Filed a Claim? Or Just Hit With Damage?
We’ll come look at the damage at no cost, give you an honest assessment, and walk you through your options — whether you ultimately hire us or not.