Advocate for Full and Fair Scope
Insurance companies often cut corners. We push back with documentation and expertise to make sure your claim reflects the full scope of damage.
Adjusters Don’t Always Write the Full Scope
Insurance companies aim to minimize payouts. That can mean leaving out damaged areas or undervaluing repairs. Without an advocate, you may not get the coverage needed to restore your home properly. We fight for the full scope, backed by evidence.
WHAT YOU CAN EXPECT
Scope Review
Adjuster estimates checked for missing or underwritten items.
Evidence-Backed Corrections
Photos, moisture logs, and codes submitted to support corrections.
Negotiation Support
We communicate directly with adjusters until scope disputes are resolved.
Full Coverage Achieved
Your claim reflects the actual cost to restore your home, not a reduced version.
Our 3-Step Restoration Process
Moisture, odor, and material issues mapped and logged for full coverage.
We stop the spread on arrival and prevent secondary damage.
We prepare adjuster-ready files and push your claim forward to approval.
HAVE QUESTIONS ABOUT RESTORATION?
Here are some of the things Oregon homeowners ask us most before starting a job:
How fast can your crews get here in an emergency?
Does Insurance usually covers water or mold damage?
Do i have to pay anything out of pocket?
Can you guarantee odor and mold wont come back?
Adjusters write scopes that favor the insurer. Missing line items, reduced pricing, or skipped areas leave you paying out of pocket for covered damage. Most homeowners don’t know how to challenge it.
We review adjuster scopes line by line, compare them to our findings, and submit corrections with full documentation. Using Xactimate codes and technical notes, we make it difficult for insurers to deny legitimate costs.
What Oregon Homeowners Say About Rutman
Get the Full Scope You Deserve
Call today for insurance advocacy that ensures your claim covers everything needed to restore your home.