Why a restoration background matters
After a water loss, two things decide how smoothly the claim goes: how well the damage is documented and how clearly the repair scope is written. Most general contractors are not used to writing estimates the way insurance adjusters review them. We are, from years of creating estimates for water losses and communicating with insurers, property managers and homeowners.
That means fewer back-and-forth rounds with your insurer, and a rebuild that matches what was approved.
Common losses in mountain homes
- Frozen and burst pipes in exterior walls, crawlspaces and vacant second homes.
- Ice dam leaks into ceilings and walls.
- Failed supply lines under sinks, toilets, washers and refrigerators.
- Shower pan and tile failures leaking into the floor below, often in condos.
- Water heater and boiler failures.
Mitigation first, then the rebuild
If water is actively coming in or materials are still wet, call a water mitigation company and your insurer right away: drying and removal of wet materials should start within the first day or two to limit mold. Once the space is dry, Reed Home Solutions handles the reconstruction. If you are not sure what to do first, call us and we will point you in the right direction.
See the step-by-step water damage insurance claim guide.
Signs it’s time for water damage & insurance repair
- A burst pipe, leak or appliance failure has been dried out and needs rebuilding
- Your insurer asked for a contractor estimate
- You are unsure whether hidden damage was missed
- Ceiling or wall stains from an ice dam or roof leak
- Flooring buckled or cabinets swelled from water
If any of these sound familiar, request a free estimate or call (970) 471-6627.
How our water damage & insurance repair process works
Inspection
We inspect, photograph and measure the damage, including areas that may hide moisture.
Estimate for your insurer
We write a detailed repair estimate and share it with you and your adjuster.
Approval and supplements
We work through questions with the adjuster and submit supplements for hidden damage found during repairs.
Build and updates
Our crew and trade partners do the work in the right order. You get an update every working day, and written change orders before anything extra happens.
Walkthrough and sign-off
Final inspection, a walkthrough with you, and every punch-list item finished. The job is done when you say it is done.
What’s included
- Damage inspection and photo documentation
- Detailed, insurance-ready repair estimate
- Direct communication with your adjuster
- Supplements for hidden damage found during repairs
- Permits where required
- Drywall, insulation and texture
- Cabinets, counters and trim
- Flooring and tile
- Paint and final clean
- Optional upgrades priced separately from the claim
Who it’s for
- Homeowners after a burst pipe or appliance leak
- Second-home owners who found damage after time away
- Condo owners and HOAs coordinating repairs between units
- Property managers handling insurance repairs
What affects the price
Every estimate is written and itemized. These are the factors that move the number most. For contract types and how to compare bids, see how remodel pricing works.
| Factor | Why it matters |
|---|---|
| Extent of damage | How many rooms and materials were affected. |
| Like-kind replacement | Insurance pays for comparable materials; upgrades are separate. |
| Hidden damage | Found during repairs and submitted as supplements. |
| Matching | Matching existing tile, flooring or cabinets can expand scope. |
| Deductible | Your responsibility under your policy. |
Insurance repairs across mountain towns
Frozen pipes in vacant second homes, ice-dam leaks and condo leaks between units are common across Eagle County, Aspen, Steamboat and Summit County. We rebuild in all of them and coordinate with HOAs and property managers when more than one unit is involved.
- Water Damage & Insurance Repair in Vail
- Water Damage & Insurance Repair in Avon
- Water Damage & Insurance Repair in Edwards
- Water Damage & Insurance Repair in Eagle
- Water Damage & Insurance Repair in Gypsum
- Water Damage & Insurance Repair in Glenwood Springs
- Water Damage & Insurance Repair in Carbondale
- Water Damage & Insurance Repair in Aspen
- Water Damage & Insurance Repair in Steamboat Springs
- Water Damage & Insurance Repair in Breckenridge
- Water Damage & Insurance Repair in Frisco
- Water Damage & Insurance Repair in Silverthorne
- Water Damage & Insurance Repair in Dillon
- Water Damage & Insurance Repair in Keystone
Dealing with an insurance claim? Read the step-by-step water damage insurance claim guide before you sign anything.
Frequently asked questions
Can you work directly with my insurance company?
Yes. We prepare a detailed repair estimate, provide photos and documentation, and communicate with your adjuster about scope. Coverage decisions are made by your insurer, and you remain the policyholder; we are your contractor, not a public adjuster.
What should I do first after a water leak?
Stop the water at the shut-off if you can, make the area safe, take photos, and call your insurer. If materials are wet, a water mitigation company should start drying right away. Then call us for the rebuild estimate.
Does homeowners insurance cover frozen pipes?
Many policies cover sudden water damage from a burst pipe, but terms vary, and some policies limit coverage if a home was left unheated. Check your policy or ask your agent. We document the damage either way.
Can I upgrade materials during an insurance repair?
Often yes. Insurance pays for like-kind-and-quality repair, and you pay the difference for upgrades. We price upgrades separately so your claim stays clean.
Will you waive my deductible?
No. You are responsible for your deductible, and Colorado law prohibits roofing contractors from paying or waiving it. We apply the same standard to every insurance job.