What’s Your Emergency?
Let’s Get It Fixed.
We’re your OKC neighbors ready 24/7 to tackle water damage, mold, fire, and more—fast.
We Speak Insurance
(So You Don’t Have To)
Dealing with property damage is stressful enough—you shouldn't have to fight your insurance company too. At 4D Restoration, we help Oklahomans navigate the insurance claim process from start to finish. Whether you're recovering from a fire, storm, burst pipe, or hidden mold, our job is to get your home or business back to normal—with your insurer covering what they should.
We work with all major home insurance providers in Oklahoma, including State Farm, USAA, Farmers, Allstate, Liberty Mutual, and Farm Bureau. Our team documents damage, explains your options, talks with your adjuster, and makes sure nothing important gets left off your claim.
Here's what your policy typically covers:
- 💧 Water damage: Covered if it’s sudden and accidental—like a busted pipe or roof leak. Flooding from outside is usually excluded.
- 🔥 Fire & smoke: Covered under every standard home policy. Includes cleanup of smoke, soot, and odor.
- 🦠 Mold: Usually covered only if it results from a covered event (like water damage). Most insurers cap mold coverage, but endorsements can increase your limits.
- 🚫 Asbestos & lead: Generally excluded unless disturbed by a covered peril (e.g. a tornado tears open a wall with asbestos insulation).
- 🔒 Board-up/tarping: Covered as part of emergency mitigation after a fire, storm, or break-in.
We’ve walked side-by-side with clients dealing with water damage in Yukon, attic fires in Warr Acres, and full-home mold remediation in places like Norman and Moore. When pipes burst during winter freezes or wild weather tears through your roof, we're already packed and ready to roll.
Our clients often come to us in full-on panic mode, unsure what’s next. Like Brittany, who said:
“They showed up very quickly, explained everything clearly, took great photos and notes for insurance, monitored daily and exceeded my expectations. I highly recommend them. 10/10!!!” — Brittany Venable
Or Mitzi, who called us after a pipe ruptured in her wall: “I was freaking out, and they weren’t just professional—they were personable. They coordinated everything with insurance and took the time to reassure me.”
Insurance doesn’t have to be a battle. We help with:
- 📷 Documenting damage with photos, moisture readings, and clear notes
- 📞 Speaking directly with your adjuster (with your approval) to clarify scope
- 📋 Creating insurance-ready estimates using industry-standard software
- 👷♂️ Helping you understand what’s covered, what’s not, and what to expect
We also recommend trusted partners—like public adjusters or contractors—when needed. Our goal is simple: restore your home and your peace of mind.
Not sure where your policy stands? Contact us and we’ll take a look. We’re not here to push you into a claim. We’re here to help you make smart, informed decisions—whether you’re a first-time homeowner or managing a business claim.
Want to learn more about coverage before disaster strikes? Check out our guide to filing an insurance claim and see what most Oklahoma policies do (and don’t) cover.
If you’re in The Village, Nichols Hills, or anywhere in between, we’ll help you make your insurance work for you—not against you.
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Your Top Restoration Questions—Answered by Local Experts
Do you work with my insurance company?
Which arWhat types of damage are typically covered by insurance?
Most policies cover sudden and accidental damage: water from burst pipes, fire, smoke, hail, wind, and some mold (if caused by a covered event). They usually don’t cover flooding, long-term leaks, or mold from neglect.
Do you help with documentation for claims?
Yes. We take detailed notes, moisture readings, photos, and daily logs that align with your policy’s mitigation requirements. We’ve helped dozens of Oklahoma homeowners get their claims approved quickly and with less stress.
How much mold damage does insurance usually cover?
It varies. Most standard home policies cover mold up to $5,000–$10,000 if it results from a covered event (like a burst pipe or extinguishing a fire). We can help you check your limits and make sure your documentation supports the claim.
What if my insurance denies part of the claim?
We’ll walk you through your options. Sometimes a denial is due to missing information, or it can be appealed with stronger documentation. We’ve helped homeowners turn “no” into “yes” by presenting clear, insurer-ready reports.
Do I have to use the insurance company’s preferred contractor?
No. You’re allowed to choose any licensed contractor you trust. Many of our clients in Oklahoma were referred by neighbors or insurance agents, not corporate networks. We’re local, and our work speaks for itself.
Will you help me understand my policy before I file a claim?
Absolutely. We’ll review the situation and let you know what’s likely covered before you file. If it’s a minor issue or not worth filing, we’ll tell you that too—no pressure, no upsell.