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Is This Covered by Insurance? And Other FAQs About Property Damage Repair

January 11, 2026
property damage repair services

Let’s be honest—no one expects their home to flood at 2 a.m. or a fire to break out in their kitchen. But when it happens, the questions come fast and the answers? Well, not always so clear.

At Bravo Restoration & Construction (BRC), we’ve been the first call for hundreds of people across Sonoma and Marin Counties needing property damage repair services. And guess what? They usually ask the same kinds of questions.

So we thought—why not share those answers upfront? If you’re going through a mess (or just want to be ready in case), here’s a guide from folks who’ve lived it, cleaned it up, and rebuilt it better!

 

What Should I Do Right After I Notice Property Damage?

Here’s the short version:

Step-by-step:

  • Make sure everyone’s safe. That includes you, pets, and yes—even your neighbor’s cat if you’re watching it.
  • Shut off utilities if needed. Water, power, gas—whatever is making the problem worse.
  • Take photos. You don’t need to go full National Geographic, just document what’s happened.
  • Call your insurance company. The sooner the better. Trust us, it matters.
  • Reach out to a property damage repair services company. (That’s us, by the way.)

Speed matters. Longer wait = worse damage, so make sure your minutes count.

 

Does Insurance Cover This Kind of Damage?

Ah yes, the money question.

Here’s the thing—usually yes, but not always.

What Damage is Typically Covered

What’s Not Usually Covered

  • Long-term leaks you ignored for months
  • Flood damage (unless you’ve got a separate flood policy)
  • Earthquakes (again, needs its own coverage)

NOTE: These answers are generalizations—not absolutes. Your specific coverage may vary, so make sure you know your homeowner’s insurance policy!

 

How Long Is This All Going to Take?

We know “it depends” isn’t helpful, so here’s a general idea:

Every job is different. We give you a custom plan from the start—no cookie-cutter stuff here. And we’ll be honest about timelines from day one.

 

Can’t I Just Handle It Myself?

We totally get the urge to DIY. You’re handy. You’ve got tools. Maybe you watched a few YouTube videos.

Here’s why we still recommend calling in a pro for property damage repair services:

  • You might miss hidden damage. Mold behind walls? Structural weakness? Big yikes.
  • You need the right equipment. Not just fans from the hardware store.
  • There are safety risks. Especially with water, mold, or electrical issues.
  • Insurance might not cover DIY fixes. And that could cost you later.

At BRC, our team’s trained, certified, and loaded with the best gear to do it right (and safe) the first time.

 

How Much Is This Going to Cost Me?

Yep. Another biggie.

We wish we could throw out a flat rate, but damage repair doesn’t work that way. Prices depend on:

  • How bad the damage is
  • What needs replacing or repairing
  • Insurance coverage
  • Your deductible

Good news? We give you a detailed quote before we swing a single hammer. And if insurance is involved, we coordinate directly so you’re not stuck in the middle.

No surprise bills. No weird fees. Just straight-up communication.

 

How Do I Know It’s Really Fixed?

Short answer: because we prove it.

What We Do

  • Run moisture tests
  • Inspect every square inch of the job
  • Air-quality checks if needed
  • Walk you through it all before we call it “done”

We want you to sleep easy, knowing your home’s not just patched up—it’s safe, solid, and clean.

 

Why Should I Choose Bravo Restoration & Construction?

Simple. We’re local. We’re not some national chain sending strangers into your neighborhood.

We’re also woman-owned, rooted right here in Northern California, led by Nicole Humber—a restoration powerhouse who’s earned national awards for leadership and excellence in this industry.

When you call BRC, you get:

  • 24/7 emergency help
  • Local pros who care
  • Custom plans—not generic fixes
  • Work we’d be proud to do in our own homes

 

Need Property Damage Fixed Fast? Call BRC

Dealing with property damage is never fun. But the good news? You’re not in this alone.

Bravo Restoration & Construction is here with the kind of property damage repair services that come with empathy, experience, and a serious get-it-done attitude.

Call BRC at (707) 837-0675 or contact us online.

Give us a call. Day or night. We’ll take it from here.

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