Question 1

How do insurance adjusters calculate water damage repair costs?

Accepted Answer

Adjusters and restoration contractors use Xactimate, an industry-standard software that prices labor, materials, and equipment rental based on real-time regional zip codes across Chicago.

Question 2

Can I choose my own restoration contractor in Illinois?

Accepted Answer

Yes. Under Illinois insurance regulations, property owners have the legal right to select any qualified, licensed restoration contractor they prefer rather than using the insurer's preferred vendor.

Question 3

How can I prevent restoration costs from escalating?

Accepted Answer

Contacting a certified restoration team immediately upon discovering a leak prevents secondary damage and mold colonization, which significantly increases remediation scope and costs.

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