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Your Responsibilities: A Guide to Restoration Insurance Claims in Memphis, TN | Leading Remediation Tennessee

When your Memphis, TN home is hit by a disaster, your first call should be to 911 (if needed) and your second should be to Leading Remediation Tennessee. Your third call will be to your insurance company. Filing a claim can be stressful, but as a homeowner, you have responsibilities. Understanding your "duties after a loss" is key to a smooth claim. As your restoration partner, we help you meet these obligations.

Need help with a restoration claim in Memphis, TN? Call Leading Remediation Tennessee 24/7.

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About Leading Remediation Tennessee in Memphis, TN

Leading Remediation Tennessee is your local Memphis, TN advocate in the claims process. We are an independent, IICRC-certified restoration company that works for you, not the insurance company. We speak their language, use their estimating software (Xactimate), and provide the world-class documentation you need to get your claim approved quickly and fairly.

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A Homeowner's Guide to Your Duties After a Loss

Your insurance policy is a contract. It states that you must perform certain duties to be covered for a loss. Here is what you need to do, and how Leading Remediation Tennessee helps.

1. Your Duty to "Mitigate Damage"What it means: You are required to take "reasonable steps" to prevent the damage from getting worse. A burst pipe that floods your basement cannot be left for three days—that's negligence.How We Help: This is our primary function. Calling Leading Remediation Tennessee at (833) 541-0100 for 24/7 emergency service is your primary act of mitigation. We immediately extract water, board up windows after a fire, or set up containment, proving to your insurer that you acted responsibly.
2. Your Duty to Document the LossWhat it means: You need to show proof of the damage. This includes taking photos/videos and creating an inventory of damaged items.How We Help: This is overwhelming for a homeowner. Our team takes over. We use thermal imaging, moisture logs, and professional photo documentation. We create a detailed, itemized inventory of all non-salvageable items, complete with a valuation, that your adjuster needs.
3. Your Duty to Provide AccessWhat it means: You must allow the insurance adjuster reasonable access to inspect the damage.How We Help: We will meet your adjuster on-site at your Memphis, TN home. We can walk them through our damage report, show them our moisture readings, and explain, as a certified expert, why certain materials must be removed. This advocacy is invaluable.
4. Your Duty to Protect the PropertyWhat it means: You must protect the property from further damage (like theft or weather) after the initial event.How We Help: Our 24/7 emergency fire damage service includes boarding up broken windows and doors and tarping damaged roofs to secure your Memphis, TN property, fulfilling this requirement.

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Insurance FAQs

Do I have to use the restoration company my insurance "recommends"?No. In the state of Memphis, TN, you have the legal right to choose your own restoration contractor. We work for you, not your insurance company.
Do I have to get 3 estimates?No. This is a common myth. You only need to choose a contractor you trust (like Leading Remediation Tennessee), and we will negotiate a fair price with your insurer using their own software.

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General Service FAQs

Can you bill my insurance directly?Yes. In most cases, we can provide direct billing to your insurance carrier, minimizing your out-of-pocket stress.
Do you handle water, fire, and mold?Yes, Leading Remediation Tennessee is your single call for water damage, fire damage, and mold remediation in the Memphis, TN area.

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For a Stress-Free Restoration Claim in Memphis, TN, Call (833) 541-0100!

Don't face the insurance company alone. Call Leading Remediation Tennessee 24/7. We are your partners in restoration, from cleanup to claims.

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Customer Reviews

"I was completely lost with the insurance paperwork after my house fire. The team from Leading Remediation Tennessee was a godsend. They met the adjuster at my home and handled everything."

– Thomas Martinez

"Their team used the 'Xactimate' software, which was the same thing my insurance adjuster used. It made the entire process so smooth. Leading Remediation Tennessee billed my insurance directly. A huge relief."

– Jennifer G.

After experiencing a minor kitchen fire, the smoke and soot felt impossible to deal with. Leading Remediation Tennessee came in right away and handled everything with such care and professionalism. My home looks and smells brand new again”

– Michael R.

Memphis, TN Insights: Population,
Zip Codes, Influence, and Service Areas

Memphis is a city in the U.S. state of Tennessee. It is the seat of Shelby County in the southwest part of the state; it is situated along the Mississippi River. With a population of 633,104 at the 2020 U.S. census, Memphis is the second-most populous city in Tennessee after Nashville.

Zip Codes in Memphis, TN that we also serve: 38122 38125 38107 38106 38105 38104 38103 38109 38108 38152 38132 38141 38111 38112 38113 38114 38115 38116 38117 38118 38119 38018 38016 38133 38131 38134 38128 38120 38127 38126 37501 37544 38088 38101 38124 38130 38136 38137 38145 38148 38150 38151 38157 38159 38161 38163 38166 38168 38173 38174 38175 38177 38181 38182 38184 38186 38187 38188 38190 38193 38194 38197