Not affiliated
Houston homeowners insured by Liberty Mutual.
Liberty Mutual is a national name on a lot of Houston policies. The name does not pick your contractor. Elite Restorations documents and repairs the building. Liberty Mutual decides the claim.
Houses, commercial buildings, and apartments
The same crew for a house, a complex, or a storefront.
Elite Restorations does emergency storm and water damage work for homes, commercial buildings, and apartment complexes across Greater Houston. Property managers, HOAs, and building owners can call (713) 909-0034 any time for an active emergency. The office at 511 Crestwater Ct is open Monday through Saturday, 8:00 AM to 6:00 PM for scheduled visits.
Commercial and multifamily storm restorationInsurance claim help
We help you with your insurance claim
Elite Restorations helps Houston homeowners, property managers, and building owners document storm and water damage and keep the repair moving. We are not public adjusters. We do not file claims for you, give legal advice, or promise that a claim will be approved or paid. Your insurer decides coverage. Check your policy.
The disasters we document most often
Flooding
Water that rises from the street, a bayou, or a reservoir is often a different policy from a homeowners or dwelling policy. We photograph where the water entered and how high it went. We do not rename rising water as a plumbing break.
Hurricanes
After a hurricane we help secure openings, photograph the roof and wet rooms, and write down the drying and repair scope. Hurricane season on the Gulf runs June 1 through November 30. Notice rules are in your policy. We do not invent a deadline.
Hail
Hail bruises roofs and can crack skylights and light fixtures. We photograph the roof and any interior wetting before a cover hides the opening, then help with a repair estimate. The carrier decides what is hail and what is wear.
Storms and wind
Straight-line wind and severe thunderstorms lift shingles, throw limbs, and drive rain into ceilings from Clear Lake to Katy and The Woodlands. We document the opening and the rooms underneath.
Tornadoes
A tornado can take a roof, a wall, or a run of windows. The first work is safety, then photos, then a tarp or board-up when it is safe to do that. We assist with the estimate and the repair record. We do not promise a payout.
What we actually do on the claim
- Photograph the damage, including wide shots and close shots, before cleanup when that is safe.
- Emergency mitigation to limit further damage: tarping a roof, boarding an opening, extracting water, and drying. Many policies expect you to limit further damage. That work is not a promise of reimbursement.
- Meet the adjuster on site when you want us there, and walk through what we saw of the building.
- Prepare a detailed repair estimate for the construction. The estimate is not the claim payment.
- Stay with the repair and share photos and notes with you so you can share them with the insurer.
Not affiliated
National brand, local building, no partnership.
Elite Restorations is not affiliated with, endorsed by, or a preferred vendor of Liberty Mutual. We do not represent Liberty Mutual, and we do not use their logo. We work with Houston homeowners, property managers, and building owners who are insured by Liberty Mutual and want help documenting water, storm, or roof damage. Coverage, deductibles, and payment are Liberty Mutual's decision under the policy. Check that policy. We are not public adjusters and we do not promise a claim will be approved or paid.
We will not quote Liberty Mutual slogans, deductibles, or claim-center scripts. We do not have them. You call the number on your policy for notice. You call (713) 909-0034 for the open roof or the wet floor. Both can happen the same hour.
The path
What usually happens, without pretending it is your form.
Homeowners in Texas generally give notice, protect the property, meet an inspection, and then repair. Your Liberty Mutual policy may describe that differently. Read it or ask them. We will not fill the gaps with rules we made up.
The Houston events are concrete. Hail and wind on asphalt roofs. Hurricane rain through a lifted valley between June and November. A burst pipe or water heater on a slab after a freeze or on an ordinary Tuesday. A dishwasher or toilet that crosses a hallway. We photograph the one you have. Apartments and commercial buildings insured by Liberty Mutual get a unit or suite list, not a guess.
An adjuster visit is the carrier's inspection. We attend if you want a contractor in the room to explain the tarp, the meters, and the estimate. We leave the coverage decision in the policy.
Documentation
Photos that still make sense after the dumpster.
Wide, close, source, belongings. Do this before cleanup. Keep a failed hose. Write the claim number on your own notes. Our photos of drying and repairs are a second set you may share.
Limiting further damage is a phrase many policies use. Whether Liberty Mutual pays the mitigation invoice is not something we will predict. We do the work you authorize. We do not pause a safe tarp so a wet ceiling can get wetter.
Houston
Heat, slabs, and the deductible we will not guess.
People ask us to 'beat the deductible' or to tell them if Liberty Mutual uses a percentage wind deductible. We will not. That number is on your declarations. What we will say is whether the roof in front of us can be repaired or needs to come off, and how far the water went in the slab.
Office: 511 Crestwater Ct, Houston, TX 77082. Family-owned since 1993. Call or text (713) 909-0034. Emergencies any time. Visits Monday through Saturday, 8:00 AM to 6:00 PM. We are not Liberty Mutual.
On site
Scopes a Liberty Mutual file can actually read.
We separate the emergency cover from the permanent roof, and the dry-out from the rebuild. Mixing them makes a file no one can follow, including you. Hail versus wear stays described, not decided. Flood versus a pipe stays described, not renamed.
If you want us at the adjuster meeting, say so when you call (713) 909-0034. We bring the photos we took, not a script about what Liberty Mutual owes.
After the call
A Liberty Mutual household still gets a normal Houston job.
We do not have a Liberty Mutual playbook, and we will not invent one. What we have is the building. A hail-bruised roof in Cypress is inspected on the slopes, not complimented from the curb. A supply line under a Katy slab is mapped with meters before anyone talks about new floors. A storefront on Richmond with broken glass gets board-up when the opening is safe to cover, and photos before the plywood hides it. Hurricane season, June 1 through November 30, is when several of those can be true on the same block.
You can hire us before Liberty Mutual has set a number, and you can also decide not to. Mitigation that limits further damage is often what a policy expects. It is not a receipt Liberty Mutual has promised to pay. We bill the person who signs for the work. The carrier's estimate, if they write one, can be compared with ours as two descriptions of construction. We will explain ours. We will not coach a dispute.
Call or text (713) 909-0034. The office at 511 Crestwater Ct, Houston, TX 77082, is open Monday through Saturday, 8:00 AM to 6:00 PM for a calm visit. Active water and open roofs are answered any time, including for apartment managers and commercial owners who happen to be insured by Liberty Mutual. The insurance name is not on the truck. We also will not tell you a wind deductible percentage. That figure, if the policy uses one, is on the declarations page. Ask Liberty Mutual to point at the wording. We will not paraphrase it for you. The building work still starts with a safe look, photos, and a scope you can read. Liberty Mutual can inspect on their schedule. We still dry a wet wall the day we are hired, because Houston humidity will not wait on a calendar.
Questions
Can you tell me if Liberty Mutual will approve the roof?
No. We can say what the roof needs as construction. Approval is Liberty Mutual's decision after they see the policy and the damage.
Do you match a Liberty Mutual estimate?
We price the work we recommend. If their figure is different, we explain our scope. We do not rewrite it to chase their number, and we do not negotiate the claim.
Is a percentage deductible automatic?
We do not know what your policy says. Many Texas wind or hail deductibles work that way. Yours might not. Check it.
Can a property manager use this page?
Yes, if the building is insured by Liberty Mutual. We are still not their vendor. Call (713) 909-0034 with the address and the access.
Are you a Liberty Mutual partner?
No. We are not affiliated with Liberty Mutual. You hire Elite Restorations. Liberty Mutual decides the claim.
Do you promise payment?
No. Photos, mitigation, an estimate, and an adjuster meeting if you want us there. Liberty Mutual decides coverage. Check your policy.
Flood versus a homeowners claim?
Rising water is often a different policy from wind, hail, or a sudden pipe break. We do not rename one as the other. Ask your insurer.
Hurricanes, hail, wind, tornadoes?
We document them, protect the building when it is safe, dry it, and estimate repairs. We do not file the Liberty Mutual claim or give legal advice.
What photos help?
Wide shots, close shots, the source, and belongings before cleanup. The photo log on this site is free. It does not create coverage.
Will you meet the adjuster?
Yes, if you ask. We explain the building. We do not negotiate the settlement.
Apartments and commercial buildings?
Yes. Call (713) 909-0034 any time for an active storm or water emergency at a house, an apartment community, or a commercial building.
Damage in a Liberty Mutual household?
Call (713) 909-0034 or text us. We help document and repair. Liberty Mutual decides the claim. We are not Liberty Mutual.