Damage is stressful enough. We coordinate with your insurance carrier.
Family-run, with 5,000+ restorations across Southeastern Pennsylvania. We document losses and coordinate with insurance carriers.
What should I do first after water, fire, or storm damage?
Make sure everyone is safe. Stop the source only if it's safe to do so. Call TRC right away so we can protect and document the property — and notify your insurer promptly. We'll help you understand what your carrier will ask for.
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Make sure everyone is safe. Get people and pets clear of danger, and only cut the power if you can do it safely.
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Stop the source only if it's safe to do so. Shut off the water at the valve, or leave it to us if reaching it isn't safe.
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Call TRC right away. We protect the property from further damage and document the loss.
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Notify your insurer promptly. We'll help you understand what your carrier will ask for.
Not sure what counts as safe to touch? Stay clear and call us; we'll walk you through it — 610-489-1650.
Does homeowners insurance cover water, fire, mold, and storm damage?
Most policies typically cover sudden, accidental losses — a burst pipe, a fire, wind damage to the structure. Gradual leaks, deferred maintenance, and outside flooding usually aren't. Coverage always depends on your specific policy and the cause of loss, so it's worth confirming the details with your carrier or with us.
Typically covered
Sudden & accidental events
Burst & frozen pipes — sudden plumbing failures and the water that follows.
Overflow & appliance-hose failures from washers, dishwashers, and water heaters.
Fire & smoke damage to the structure and contents.
Wind & storm damage to the structure — roof, siding, and resulting interior water.
Sudden, accidental water events generally, where the cause was abrupt rather than slow.
Typically not covered
Gradual loss & outside flooding
Gradual or slow leaks that develop over weeks or months.
Deferred maintenance & wear — damage tied to neglected upkeep.
Flooding from outside the property — this needs a separate flood / NFIP policy.
Mold, in most cases — usually covered only when it stems from a covered water event, and often sub-limited.
Most policies follow these patterns, but every policy is different. We can't promise any particular claim will be paid — coverage depends on your specific policy and the cause of loss.
Not sure? Call us — we read these losses every day and can tell you what adjusters usually look for at 610-489-1650.
How do you coordinate with my insurance company?
We work with all insurance companies and carriers. We document losses and coordinate with insurance carriers. We bill your insurance directly.
We document and scope the loss
Photos, moisture readings, and a detailed scope of the damage — the record your adjuster needs to evaluate the claim.
We coordinate with your adjuster
We speak the adjuster's language, submit our estimate, and advocate for the full scope your property actually needs.
Payment terms are documented
We bill your insurance directly. We explain the project-specific terms before work begins.
Coverage, deductibles, billing, and payment depend on the specific policy and signed work authorization. We provide documentation for carrier review but cannot guarantee an outcome.
Insurance questions, answered straight.
Most policies typically cover sudden, accidental water damage like a burst or frozen pipe — the cleanup, drying, and repairs that follow. Gradual leaks or long-neglected plumbing usually aren't covered. Coverage depends on your specific policy and the cause of loss, so call us and we'll walk through what adjusters usually look for.
It depends. Mold is most often covered only when it stems from a covered water event — say, a burst pipe — and it's frequently sub-limited to a set dollar amount. Mold from a long-standing leak or humidity usually isn't covered. We document the source carefully, because where the mold came from drives the coverage.
Sometimes — but sewage and drain backup is usually an add-on endorsement, not part of a standard policy. If you carry that coverage, the cleanup is typically included. If you're not sure whether you have it, we can help you read your declarations page and document the loss either way.
It can, and it depends on your carrier, your claims history, and the type of loss — that's a conversation for your agent, not us. What we can say is that prompt mitigation usually keeps a loss smaller, which is what insurers want to see. We document everything so your claim is clean and well-supported.
A denial isn't always the end of the road. Sometimes it's a documentation gap or a question about the cause of loss. We provide detailed photos, moisture readings, and a clear scope you or a public adjuster can use to support an appeal. We can't guarantee an outcome, but thorough documentation gives you the best footing.
Contractor-selection rights can depend on your policy and applicable law. We document losses and coordinate with insurance carriers, while the carrier determines coverage and payment.
Your call rings straight to our own team, 24/7 — a real person answers, not a machine. No call centers, no franchise dispatch. We're typically on-site within 2 hours for emergencies. Fast mitigation matters because it limits the damage and strengthens your claim.
Have a question that isn't here? Call us at 610-489-1650.
Every kind of loss — documented for carrier review.
Whatever the damage, the same Limerick crew documents it for your insurer and stays on the job through the rebuild. Here's how coverage usually shakes out, peril by peril.
Water Damage
Burst pipes, appliance failures, and storm leaks are typically covered when the cause was abrupt — not a slow, gradual leak.
See coverage & serviceFire & Smoke
Fire, soot, and smoke damage are among the most consistently covered losses on a standard homeowners policy.
See coverage & serviceMold Remediation
Mold is usually covered only when it stems from a covered water event, and is frequently capped at a set dollar limit.
See coverage & serviceStorm Damage
Wind and storm damage to the structure is typically covered; flooding from rising outside water needs a separate flood policy.
See coverage & serviceReconstruction
When the loss is covered, the rebuild that follows — drywall, flooring, trim, paint — is generally part of the same claim.
See coverage & serviceEmergency Board-Up
Insurers expect prompt steps to prevent further loss — emergency board-up and tarping are typically reimbursable mitigation.
See coverage & serviceBiohazard
Biohazard and trauma cleanup, handled quietly and carefully; coverage depends on your policy and the nature of the loss.
See coverage & serviceLocal claims help across six counties.
We document losses and coordinate with insurance carriers. We bill your insurance directly for homeowners and businesses throughout Southeastern Pennsylvania.
TRC is there!
Not sure what's covered? Let's talk it through.
Your call rings straight to our own team, 24/7 — a real person answers, not a machine. No call centers, no franchise dispatch.