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Property · Damage

Property Damage Provider Standards

Damage monetization should not weaken trust. Providers should support the decision workflow: safety first, written scope, visible exclusions, privacy boundaries, and no insurance promises.

First-wave partner categories

Restoration / mitigation

Water, sewer, flood, fire/smoke, and emergency cleanup pages.

Rebuild / remodel contractor

Rebuild after cleanup, restoration vs rebuild, fire damage, and damage-before-sale pages.

Plumber

Source guide, sewer backup, backwater valve, and first-24-hours pages.

Roofer

Roof leak, storm checklist, water source, and roof deductible pages.

HVAC contractor

HVAC drain leak, diagnosis, dry-out, and ceiling damage bridge pages.

Realtor / pre-listing expert

Damage before selling, open claim, mold disclosure, and seller packet pages.

Baseline standards

  • License, registration, or trade credential where applicable.
  • Active insurance appropriate for the work.
  • Written scope before work expands.
  • Written exclusions and change-order process.
  • No coverage promises or claim-result promises.
  • No pressure to sign while safety or payment responsibility is unclear.
  • Privacy expectations for photos, claim documents, policy pages, and personal information.
  • No misleading free repair, deductible waiver, or claim-maximization language.
  • Clear cancellation, payment, lien, and authorization terms.
  • Willingness to separate mitigation, cleanup, contents, and rebuild when the work is actually separate.

Partner intake scorecards

Emergency restoration

  • service area
  • 24/7 availability
  • insurance documentation process
  • written scope quality
  • moisture reading documentation
  • equipment-day transparency
  • no claim-approval promises
  • privacy practices
  • reviews/complaints
  • licensing/registration where required

Rebuild/remodel

  • written scope quality
  • change-order clarity
  • permit handling
  • warranty
  • lien waiver process
  • insurance
  • references
  • repair-after-mitigation experience

Plumber / roofer / HVAC

  • source diagnosis clarity
  • written repair scope
  • emergency availability
  • photos/documentation
  • no pressure to replace unnecessarily
  • warranty
  • local requirements

Realtor / pre-sale expert

  • damage/disclosure experience
  • repair-vs-credit strategy
  • open claim coordination experience
  • buyer inspection handling
  • local market knowledge
  • no legal overclaiming

Partner red flags

  • coverage-payment promises
  • free roof language
  • claim-result promises
  • warnings not to call the insurer
  • pressure to sign immediately
  • hidden assignment language
  • no written estimate
  • no exclusions
  • vague licensing or insurance
  • no privacy policy
  • bait pricing

Lead routing rules

Never present a partner match as an insurance outcome. Present it as a provider category that may fit the source or scope selected.

Route to Restoration

When

active water, wet materials, sewer backup, fire/smoke cleanup, floodwater, drying needed, user has restoration bid

This provider category may fit the mitigation or cleanup scope selected. Confirm pricing, licensing, insurance, terms, and local requirements before signing.

Route to Plumber

When

pipe burst, appliance supply leak, toilet/tub/sink overflow, sewer backup source, recurring drain issue, sump pump failure

This provider category may fit the source repair selected. Confirm diagnosis, pricing, licensing, insurance, terms, and local requirements before signing.

Route to Roofer

When

roof leak, storm opening, hail/wind damage, wet ceiling after storm, attic leak

This provider category may fit the roof-source issue selected. Confirm documentation, pricing, licensing, insurance, terms, and local requirements before signing.

Route to HVAC

When

condensate drain leak, attic air handler leak, frozen coil thaw, pan overflow, humidifier leak

This provider category may fit the HVAC source issue selected. Confirm diagnosis, pricing, licensing, insurance, terms, and local requirements before signing.

Route to Rebuild/remodel

When

drywall/flooring/cabinets affected, mitigation completed, repair estimate needed, damage before sale, fire/smoke rebuild, restoration quote excludes rebuild

This provider category may fit the repair or reconstruction scope selected. Confirm pricing, licensing, insurance, terms, and local requirements before signing.

Route to Realtor/pre-sale

When

selling soon, repaired damage, open insurance claim, mold disclosure concern, repair credit vs repair question

This provider category may fit the sale workflow selected. Confirm disclosure, pricing, legal, title, lender, and local requirements with qualified sources.