Billing & Insurance | Titan Restoration Services

How does billing work?

Our billing is broken up into different phases, or divisions: Mold, Water, Structure, Contents, etc. Expect to receive separate estimates and invoices based on the categories of work needed for the job. For each phase or division, a specific project manager and billing representative is assigned to oversee all aspects from start to finish.

Titan Restoration Services is an independent restoration company which means we do not work for any company. We work for you. This allows us to not only move faster, but to focus on you and what is best for your situation.

Dealing with an insurance company can be a complicated and tiring process. Titan Restoration Services can help you file your claim and work with your carrier to ensure that all damages are covered appropriately under your policy.

A disaster event can leave you feeling overwhelmed by the recovery process but your homeowners insurance policy is most likely the best way to get your life and your home back to normal. If the damage is covered by your claim, Titan Restoration Services recommends familiarizing yourself with your policy coverage benefits. For example, the standard homeowners insurance policy offers many coverages to help protect your home. If your home is damaged by a covered incident, such as a fire or leaky plumbing, your homeowners policy can help cover any repairs or replacements.

In addition to home repairs your insurance policy may cover personal property as well. If so, your personal belongings, such as furniture, clothing and appliances are all protected. Get in touch with your insurance adjuster to discuss what coverage your policy includes. The experts at Titan Restoration Services will guide you through the process of filing your claim. We can work with all insurance companies. We will bill the insurance company directly with itemized invoices and documentation of the damage. Contact Us to learn more about how we work with your insurance company.

Out-of-Pocket:

A quote will be given at time of work as requested. Invoices will be sent to the customer once the billing department has the job details from the field.

Note: We understand damage to your home is often unexpected and financially straining, therefore we extend discounts to our direct paying clients. These discounts are not applied when you file a coverable claim.

Insurance Claim:

The customer must provide the insurance company name, information and claim number. Billing is submitted directly to the insurance company. The process of review, negotiation and settlement is timely.

Note: We use Xactimate to determine all billing. This is the same tool used by insurance companies that sets industry price standards. We do not extend discounts to the billing or payments collected through your insurance claim.

How does payment work when I have a coverable claim?

Oftentimes, adjusters do not read your signed instructions on our contract to issue payments directly to Titan Restoration. When insurance contacts you to verify information, you will have the opportunity to verbally instruct payments to be issued to Titan Restoration and refer the adjuster to the signed authorizations on file. Oftentimes, the insurance issues the settlement directly to you. In this situation, we will contact you to collect the claim check amounts and (if applicable) the deductibles. Invoices are sent to the customer upon confirmation of initial or final settlements.

Note: Claim checks will often have Titan Restoration listed as an additional payee. The customer can simply endorse the back of the claim check.

If Titan Restoration is NOT on the check, simply endorse the back and write "make payable to Titan Restoration."

Why are there multiple invoices?

Each division is separated because they consist of different labor costs and materials. Also, if you file a claim, insurance companies use separate departments and adjusters to process the category of work. Invoices are regularly sent to customers by email, unless otherwise instructed.

Note: Email providers have filters, and customers should check their “spam” folders.

What happens if my claim denied, or there are coverage exceptions to a policy?

When claims are denied, Titan Restoration Services exhausts all efforts to assist our customers. In the case that a claim will not be honored by an insurance company, the billing reverts to an out-of-pocket bill.

When there are exceptions in a policy (for example: no mold coverage, no testing coverage) the billing for these divisions revert to an out-of-pocket bill.

When is payment due?

You will receive a separate invoice for each phase, or division, of work. For out-of-pocket customers, payment is due upon completion of the work within each division. For insurance claims, payment is due when the claim check(s) have been received. Deductibles are due upon completion of work.

How does my deductible factor into my claim?

As an insured homeowner your policy will involve a deductible per claim. This is part of the settlement; you are responsible for the deductible portion of the claim.

For example: Your deductible is $500 and your claim settlement is $5000. The claim check will be $4500. You are responsible for the $500 difference.

Why is my mortgage listed on my insurance check?

If you have a mortgage, equity loan or refinanced your home, your mortgage company will likely be listed on the settlement check, as an additional payee. This is due to Federal property laws, and it is the banks process to verify the work is completed at your home.