What to Expect: Restoration Process & FAQs

When property damage occurs, knowing what happens next can make a stressful situation feel more manageable. Below is an overview of our restoration process, along with answers to common questions we receive from homeowners and business owners.

Our Restoration Process

Step 1: Emergency Response & Initial Assessment

Call us right away. We’re available 24/7 to respond to fire, water, mold, and storm-related emergencies. Upon arrival, our team conducts a thorough inspection to determine the source and severity of the damage. We then outline a mitigation plan detailing what can be saved and what requires removal. A signed work authorization is required before mitigation and demolition services begin.

Step 2: Water Extraction & Debris Removal

After initial documentation and photos are completed, our team begins work immediately. Standing water is extracted to prevent further damage, and affected materials are removed as part of the cleanup and demolition process.

Step 3: Drying, Dehumidification & Air Scrubbing

Commercial-grade air movers, dehumidifiers, and air scrubbers are installed to dry the structure and improve air quality. Moisture readings are taken in unaffected materials to establish a “dry standard,” and all affected areas are dried to match that standard. Equipment typically remains in place for 3–7 days, depending on the severity of the loss.

Step 4: Insurance Coordination & Documentation

Once drying is complete, we assist with the insurance claims process. Our team documents all damage and communicates directly with your insurance carrier to streamline approvals. Detailed mitigation and reconstruction estimates are submitted for review.

Please note: Reconstruction cannot be scheduled until both mitigation and reconstruction estimates are fully approved by your insurance carrier.

Step 5: Structural Repairs & Restoration

After approvals are received, reconstruction begins. From drywall and paint to flooring, cabinetry, and finish work, our goal is to restore your property to its pre-loss condition, or better.

Step 6: Final Walk-Through & Sign-Off

Upon completion, we conduct a detailed walk-through with you to confirm all repairs meet expectations and all contracted work has been completed.

Step 7: Completion Photos & Final Documentation

Final photos are taken and submitted to your insurance company, if required, to release any recoverable depreciation. Any necessary supplements are also submitted at this time.

Step 8: Final Invoice

A final invoice is issued, including approved supplements, and provided to both you and your insurance company for processing.

Common Insurance & Restoration Terms

Understanding insurance terminology can help the process feel less confusing. Below are a few common terms you may hear during your claim:

Replacement Cost Value (RCV):

The cost to replace or repair damaged property with new materials of similar kind and quality, without deducting for depreciation.

Actual Cash Value (ACV):

The value of damaged property after depreciation is applied. This is calculated as RCV minus age, wear, and tear.

Mitigation:

Immediate actions taken to prevent further damage after an incident, such as water extraction or emergency board-up.

Reconstruction:

The process of rebuilding or repairing a property to its pre-loss condition after damage has occurred.

Abatement:

The removal or reduction of hazardous materials, such as asbestos, lead, or mold, to make your property safe.

Recoverable Depreciation:

The portion of depreciation an insurance company may reimburse after repairs are completed and proof is provided.

Non-Recoverable Depreciation:

Depreciation that is not reimbursed by the insurance company, even after repairs are completed.

Supplement:

An additional request submitted to the insurance company when additional damage or repair costs are discovered after the initial estimate.

Deductible:

The amount paid out-of-pocket by the policyholder before insurance coverage applies.

Helpful Tips for Homeowners & Property Owners

Call for help as soon as damage occurs as delays can lead to increased damage and costs.

Do not remove materials or begin cleanup before documentation is completed, unless safety is a concern.

Keep records of any conversations with your insurance company.

Ask questions; understanding the process helps reduce stress and delays.

Restoration and reconstruction timelines depend on drying requirements and insurance approvals, not just repair work.

We’re Here to Help

Property damage can feel overwhelming, but you don’t have to navigate it alone. Dakota Fire and Water Restoration is here to guide you through every step of the process from emergency response to final repairs.

If you have questions or need immediate assistance, contact us anytime. We’re here when you need us most.