We Work With All
Insurance Carriers
APPROVED CARRIER VENDOR
PREFERRED VENDOR
LICENSED & FULLY INSURED
Why Carriers Trust Gold Star
Documentation
photos, moisture logs, equipment records, daily drying reports
We work with the adjuster directly
no miscommunication, no delays
Accurate scoping
industry-standard estimating (Xactimate-compatible)
11 locations
one vendor relationship covers the entire country
The Claims Process
You Call
We Inspect
We Mitigate
We Document
Restored
Insurance
Coordination
You File
What's Covered vs. Not Covered
Covered
Fire / Smoke
Burst pipe: sudden
Storm: wind & hail
Frozen pipe: heat maintained
Mold: from covered loss
Not Covered
Frozen pipe: no heating bill
Mold: from neglect
Vacant home: no heat
Pre-existing damage
Industry Partners
Trade partners
Rellable. Responsive. Nationwide.
Insurance & Property Partners
Complete, organized, and claim-ready
Frequently asked Question
Do you work with my insurance company?
Yes. We work with every major carrier and are an approved vendor for several of the largest insurers and property groups in the country. You do not need to check whether we are on a list before you call us.
Should I call you or my insurance company first?
Call us first. Most policies require you to prevent further damage, and every hour water sits makes the loss bigger. We stabilize the property and document the damage properly, which is exactly what your carrier will want to see when you do file.
Do I have to use the contractor my insurance recommends?
No. You have the right to choose your own licensed contractor. Carrier preferred-vendor lists are optional, and a preferred vendor is under contract with the insurer, not with you.
Do I have to wait for the adjuster before work starts?
No. Waiting lets damage spread, and most policies require you to prevent further damage in the meantime. Send us your claim details and we will review them with you, then reach out to your adjuster directly to find out where the claim stands and what it needs to move.
Will you bill my insurance directly?
On covered losses, yes. We submit our estimate to your carrier in the format they review and handle the back and forth, so you are not the one chasing paperwork.
Is my damage actually covered?
That depends on your policy and what caused the damage. As a general rule, sudden and accidental water damage is typically covered while long-term leaks and maintenance issues typically are not, which is one reason documenting the cause early matters. We can walk you through what we are seeing, but only your carrier can make the coverage determination.
Should I file a claim at all?
Not always. If the repair is close to your deductible, filing may cost you more than it returns. We will give you an honest read before you open a claim, even when that means we do less work.
Who is my point of contact once work starts?
One project manager owns your job from the first walkthrough to the final signature. You get their direct number, not a call center, and they are the one who talks to your adjuster so you are not stuck relaying messages between two parties.
How do I get started?
Call us first. We’ll take immediate action to prevent further damage and guide you through contacting your insurance. Early mitigation can help reduce claim costs and improve coverage outcomes.
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Help
Gold Star on-call experts handle full restoration & coordinate directly with your insurance.
ENCRYPTED DOCUMENTATION AND SECURE CLAIM FILES
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