We Handle Your Insurance Claim — You Pay Your Deductible

Green Clean bills all major insurance carriers directly using Xactimate — the same software your adjuster uses. No pricing disputes. No paperwork headaches. We communicate with your insurer from day one so you can focus on your family.

Xactimate Billing IICRC Certified All Major Carriers 24/7 Emergency Line

Active emergency? Call first — we start your claim documentation on arrival: (410) 961-6770.

How It Works

Why Xactimate Changes Everything for Homeowners

Most homeowners do not realize there is a right and wrong way for a restoration contractor to submit an insurance estimate. When a contractor sends a spreadsheet or a PDF invoice to your insurer, the adjuster has to manually compare it against their own pricing database — and those comparisons almost always result in reductions.

Xactimate is the estimating platform that insurance adjusters use internally. When we submit an estimate in Xactimate format, it uses the same line items and pricing that your adjuster already has in front of them. There is nothing to dispute. The scope of work either matches the documented damage or it does not — and we document everything on-site from the first hour.

The result: faster approvals, no back-and-forth about whether our rates are reasonable, and a final settlement that accurately reflects the full scope of the damage. In most cases, you pay your deductible and we handle the rest directly with your carrier.

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Direct Carrier Billing

We bill your insurer directly. You provide your claim number and policy information — we handle all communication with your adjuster from estimate submission through final payment.

The Claims Process

How We Handle Your Claim, Step by Step

From the first call to the final check, here is exactly what happens when you work with Green Clean on an insurance claim.

You Call Us — We Dispatch Immediately

Call us first, before your insurance company. Your policy requires you to mitigate damage promptly — that means getting extraction and drying started, not waiting on hold for an adjuster. We dispatch within 30 minutes. Your claim documentation starts the moment we arrive on-site.

On-Site Documentation — Photographs, Moisture Readings, Scope

Our team photographs all damage systematically, takes calibrated moisture readings throughout the affected area, and documents the cause of loss. This creates the evidentiary record your insurer needs to approve the claim. We do this on arrival, before any cleanup begins.

We Notify Your Insurance Company

We contact your carrier on your behalf, open the claim, and provide initial loss documentation. You provide your policy information and any claim number you have been given. We take it from there — you will not be put in the position of explaining restoration scope to an adjuster who has not seen the damage.

Xactimate Estimate Submitted to Your Adjuster

We generate a complete Xactimate estimate itemizing every line of scope — extraction, drying, demolition, contents handling, and reconstruction — and submit it to your adjuster. Because we use the same pricing platform, approvals move quickly and there are no pricing disputes to resolve.

Work Completed — You Pay Your Deductible

We complete all approved work — from emergency extraction through full reconstruction if needed — and collect payment directly from your insurer. You pay your deductible at project completion. We handle supplemental submissions if additional hidden damage is discovered during work.

What’s Covered

Common Events and What Your Policy Typically Covers

Coverage varies by policy. This is a general guide — we review your specific situation on every job and help you identify what applies.

Burst pipe — sudden and accidental
Appliance failure (washing machine, dishwasher, water heater)
Roof damage from wind, hail, or storm
Interior water damage from covered roof event
Fire and smoke damage from any cause
Firefighting water damage
Vandalism
Ice dam damage (in most MD policies)

Sewer or drain backup (requires endorsement)
Sump pump failure (requires rider)
Mold remediation (covered if from a covered event)
Gradual leak (some carriers cover; others exclude)
Tree & debris removal

Flooding from outside the home (requires flood insurance)
Gradual leaks from deferred maintenance
Normal wear and tear
Mold from pre-existing moisture conditions
Earthquake damage

Coverage descriptions are general and informational only. Your specific policy terms govern. We review your situation on every job and help you understand what applies to your claim.

FAQ

Insurance Claim Questions — Answered

Do I need to call my insurance company before calling a restoration contractor?

No. Call us first. Getting extraction and drying started immediately is the single most important factor in limiting your total claim cost — and your insurance company expects that. You are required to mitigate damage under your policy; waiting to call until you’ve reached an adjuster can actually hurt your claim. We notify your insurer on your behalf once we’re on-site and have documented the damage.

What is Xactimate and why does it matter?

Xactimate is the industry-standard estimating software used by insurance adjusters to price restoration work. When a restoration contractor submits an estimate in Xactimate format, it uses the same pricing database and line-item structure your adjuster uses — which means there are no disputes about whether our rates are reasonable. Contractors who don’t use Xactimate submit estimates that adjusters then have to translate and often reduce. We use Xactimate on every job.

What types of damage are typically covered by homeowner’s insurance?

Standard homeowner’s policies generally cover: sudden and accidental water damage (burst pipe, appliance failure, sudden roof leak), fire and smoke damage, wind and hail damage, and vandalism. They typically exclude: flooding from outside the home (requires separate flood insurance), gradual leaks or maintenance neglect, and sewer backup without a specific endorsement. Coverage for mold depends on whether it resulted from a covered event. We assess your specific situation and help you understand what applies.

What if my claim is denied or underpaid?

We document every job thoroughly — photographs, moisture readings, Xactimate line items — so that our estimates are well-supported from the start. If a claim is initially denied or undervalued, we can provide supplemental documentation and work with your adjuster to review the decision. In cases where coverage disputes require legal representation, we can refer you to a public adjuster or insurance attorney who handles these claims in Maryland.

Ready When You Need Us

Call Us First — We Handle the Insurance.

We document your loss, contact your carrier, and submit a Xactimate estimate your adjuster approves. You pay your deductible — we do the rest.

(410) 961-6770

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