This is a tricky question. We suggest calling in an expert to help look at your situation, so you can assess the damage, check your deductible, policy coverages, as well as your financial situation. Our opinion is that if you can afford to pay out of pocket and the damage is not going to exceed your deductible by a fair amount, not filing a claim.

This is dependent on the carrier and your policy but in most cases your rates will increase upon renewal after filing a claim. ​

No. We will use our experience and expertise to work with your insurance company to reach an offer that is fair and inclusive off all covered damages.

If this an emergecny please call 911 first. For other situations call R & S Restores we can help look at your situration and advise the best course of action, and bring in the correct crew(s) to assit you.

Yes we are. Feel free to contact us for documentation.

No. You are free to work with any company you want.

Every policy is different. We will work with you and put you in touch with people who can help you better understand what your policy covers.

Most insurance companies and contractors who work with them use a program called Xactimate. Xactimate lays out line item prices for most items.

R&S Incorporated in 1983.

We take emergency calls 24 hours a day 7 days a week at 1-888-545-8514.