We Work With All Insurance Carriers
OnPoint Restoration handles the paperwork, coordinates directly with your adjuster, and fights to get your claim approved — so you can focus on getting your life back.
Trusted by homeowners, property managers, and insurance adjusters across Northern Nevada.
Why Insurance Companies Trust Us
Insurance adjusters deal with dozens of contractors. The ones they call back — and recommend to policyholders — are the ones who make their job easier. Here's why OnPoint consistently earns that trust.
Accurate Documentation
We provide detailed moisture readings, photo documentation, and scope-of-loss reports that meet carrier standards — reducing back-and-forth and speeding up approvals.
Direct Adjuster Coordination
Our team communicates directly with your insurance adjuster, answering technical questions and providing the evidence they need to process your claim efficiently.
Xactimate Estimating
We use Xactimate — the same estimating software used by major carriers — so our scopes align with what adjusters expect, minimizing disputes and delays.
Licensed, Bonded & Insured
Nevada Contractor License #0096008. Carriers require contractors to be properly licensed and insured before approving work. We meet every requirement.
IICRC Certified Technicians
Our technicians hold IICRC certifications — the gold standard in restoration. Carriers recognize and trust IICRC-certified contractors because it guarantees work meets a documented standard.
No Upfront Cost to You
In most cases, your insurance covers the full cost of restoration. We work within your policy limits and explain every line item before work begins.
Transparent Scope of Work
We never pad estimates or add undisclosed line items. Our scopes are clear, itemized, and defensible — which is exactly what adjusters need to approve claims quickly.
Rapid Emergency Response
We respond 24/7 because most policies require prompt mitigation to prevent further damage. Fast response protects your claim and limits your carrier's exposure.
Proven Track Record
We have a documented history of successful claims across all major carriers in Northern Nevada. Adjusters know our name — and know our work holds up to scrutiny.
What Adjusters Say About Working With OnPoint
"When OnPoint submits a scope, we know it's going to be accurate and complete. It makes our job significantly easier."
— Independent Insurance Adjuster, Northern Nevada
"Their documentation is exactly what we need — moisture logs, photos, itemized line items. No back-and-forth, no surprises."
— Claims Specialist, Regional Carrier
"IICRC-certified contractors who use Xactimate correctly are rare. OnPoint is one of the few we consistently recommend to policyholders."
— Senior Adjuster, Major National Carrier
Every Major Carrier. Every Claim.
We have direct experience navigating the claim processes, documentation requirements, and preferred vendor protocols of every major insurance carrier operating in Nevada.
State Farm
Largest U.S. home insurer. We follow their preferred vendor documentation standards.
Allstate
We meet Allstate's Good Hands® contractor requirements for scope and documentation.
USAA
Serving military families — we understand USAA's high standards and meet them.
Farmers Insurance
We work within Farmers' claim workflow and provide the documentation their adjusters require.
Liberty Mutual
Familiar with Liberty Mutual's preferred scope format and approval process.
Travelers
One of the largest commercial and residential carriers — we handle both.
Nationwide
We align our estimates with Nationwide's Xactimate-based review process.
American Family
We provide the detailed documentation American Family adjusters need for fast approvals.
Progressive
Known for home policies in Nevada — we know their process inside and out.
GEICO
We work with GEICO's homeowners and renters policy claims seamlessly.
Chubb
High-value home specialist. We meet Chubb's elevated documentation and quality standards.
The Hartford
We handle Hartford's commercial and residential restoration claims with equal expertise.
Amica Mutual
Consistently rated #1 in customer satisfaction — we match that standard in our work.
Erie Insurance
We provide Erie's adjusters with the thorough documentation they're known to require.
Auto-Owners Insurance
Regional carrier with strong Nevada presence — we know their claim workflow well.
Cincinnati Insurance
Commercial and residential — we handle their claims with the detail they expect.
Safeco (Liberty Mutual)
We work within Safeco's preferred contractor guidelines and documentation requirements.
Mercury Insurance
Strong Nevada presence — we have extensive experience with Mercury homeowners claims.
AAA Insurance
We work with AAA's Nevada-based claims team and meet their contractor standards.
Lemonade
Tech-forward carrier — we provide digital documentation that integrates with their process.
Hippo Insurance
Modern home insurer — we align with their proactive, prevention-focused claim approach.
Stillwater Insurance
We handle Stillwater's residential claims with full documentation and adjuster coordination.
Bristol West
We work with Bristol West's adjusters on property damage claims across Northern Nevada.
Kemper Insurance
We provide Kemper's adjusters with the scope and documentation they need for approval.
Assurant
Specialty insurer — we handle their lender-placed and standard homeowners claims.
Foremost Insurance
Specialty home and mobile home coverage — we have experience with their unique claim types.
Homesite Insurance
We work within Homesite's digital-first claim process with full documentation.
Openly Insurance
Independent agent carrier — we coordinate directly with their adjusters and agents.
Branch Insurance
We provide Branch's adjusters with the clear, itemized scopes their process requires.
Kin Insurance
Tech-enabled carrier — we deliver digital documentation that fits their streamlined process.
Not seeing your carrier? It doesn't matter — we work with every licensed insurance company operating in Nevada. If you have a policy, we can work with it.
Call us and we'll handle the rest — (775) 433-7145
How the Claims Process Works
Call Us First
Contact OnPoint immediately after damage occurs. We respond 24/7 and begin emergency mitigation to prevent further loss — which your policy typically requires.
We Document Everything
Our team photographs all damage, takes moisture readings, and creates a detailed scope of loss before any work begins.
File Your Claim
You file a claim with your carrier. We provide all documentation they need and can speak directly with your adjuster.
Adjuster Review
Your adjuster reviews our scope. Because we use Xactimate and IICRC protocols, our reports are recognized and trusted by carriers.
Work Begins
Once approved, we begin mitigation immediately. We keep you and your adjuster updated with documentation and moisture logs throughout the entire process.
Final Walkthrough
We complete a final inspection with you to confirm everything meets your satisfaction before closing out the claim.
IICRC Certified — The Industry Gold Standard
The Institute of Inspection, Cleaning and Restoration Certification (IICRC) is the globally recognized standard-setting body for the restoration industry. IICRC certification means our technicians have completed rigorous training in water damage restoration, mold remediation, fire and smoke restoration, and more.
Insurance carriers specifically look for IICRC-certified contractors because it guarantees work is performed to a documented, verifiable standard. When you hire OnPoint, you're hiring a team that meets the highest bar in the industry — and your insurance company knows it.
IICRC Certified + Nevada License #0096008 — Licensed, Bonded & Insured
Dealing With Damage? Call Us Now.
The sooner you call, the better your claim outcome. We respond 24/7, document everything from the start, and handle the insurance process so you don't have to.