Not affiliated
Houston homeowners insured by State Farm.
If your Houston home, rental property, or commercial building is insured by State Farm, you still choose who dries and repairs it. This page is how that work usually sits next to a claim. It is not a State Farm page.
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
We work for the person who calls us.
Elite Restorations is not affiliated with, endorsed by, or a preferred vendor of State Farm. We do not represent State Farm, and we do not use their logo. We work with Houston homeowners, property managers, and building owners who are insured by State Farm and want help documenting water, storm, or roof damage. Coverage, deductibles, and payment are State Farm'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.
Many people in Greater Houston carry a State Farm homeowners policy through a local agent. We do not know your agent, your deductible, or whether this loss is wind, water, or wear. Those answers are on your declarations page and in the conversation you have with State Farm. Our office is 511 Crestwater Ct, Houston, TX 77082. Family-owned since 1993. Call (713) 909-0034 if water is coming in or a roof is open.
The path
How a Texas homeowner's claim usually moves.
A typical path, not a rule from any one policy, starts with notice. People insured by State Farm often call the agent who wrote the policy or the number on the card in the drawer. Ask how they want notice, what they want you to save, and whether they want someone to see the damage before permanent repairs. Write down the claim number, the date, and the name of the person you spoke with. We will not invent a deadline. Notice language is in the policy.
Then the building needs protection. In Houston that can be a tarp after hail or a hurricane, board-up on a broken window, or drying after a burst pipe, a water heater, a dishwasher, or a toilet overflow. Hurricane season is June 1 through November 30. Hail and straight-line wind show up in the spring from Katy to The Woodlands. A hard freeze breaks attic lines on slabs in Westchase, Alief, and Sugar Land. Mitigation limits further damage. It is not a promise State Farm will reimburse it.
An adjuster may inspect. We can be there. We show photos of the opening, moisture readings, and the repair we are pricing. State Farm decides what is covered, what is maintenance, and what the deductible does to the number. We do not calculate your deductible and we do not argue the settlement. The repair estimate is construction. The claim payment is whatever State Farm allows.
Documentation
Photos, a log, and an estimate with the rooms named.
Before you throw carpet out or let a tarp hide a hole, take wide shots and close shots. Note whether water came from the roof, a pipe, an appliance, or the street. Rising water in neighborhoods near the bayous is often a flood policy, not the homeowners policy. We will not call bayou water a sudden plumbing break because the second phrase sounds easier.
We add our own photos of what we dry and what we rebuild. You can give that set to State Farm. The free photo log on this site is yours even if you do not hire us. The guide to how Texas restoration claims usually move is the longer explanation. None of those documents are a coverage opinion.
Houston
Slab houses, hail roofs, and buildings with many units.
Most of the houses we dry sit on concrete. A State Farm policyholder in Memorial with an attic leak and one in Katy with a supply line under the slab both need moisture mapped, not guessed from the stain. Apartment managers and commercial owners insured by State Farm use the same phone number. We list units. We do not dry a whole complex from one ceiling.
Call or text (713) 909-0034 any time for an active emergency. Office hours for a scheduled visit are Monday through Saturday, 8:00 AM to 6:00 PM. We are not State Farm. We are the restoration company at 511 Crestwater Ct.
On site
What we actually do beside a State Farm claim.
We photograph the roof or the wet rooms, tarp an opening when the roof is safe, board a broken window, extract standing water, and dry with air movers and dehumidifiers until moisture readings support repairs. Then we estimate the rebuild: drywall, flooring, roofing, or the interior a leak destroyed. Homes, apartments, and commercial buildings are the same sequence with different access. A State Farm policyholder does not get a different drying method from anyone else. The carrier name does not change the slab.
We can meet the adjuster and walk the scope. We will not tell you State Farm 'has to' pay a line item, and we will not hide a maintenance issue to fatten an estimate. If the loss is a slow leak rather than a sudden break, or floodwater rather than wind, the notes say that. Check the policy for how State Farm treats those words. Call (713) 909-0034 when the building is still taking water.
Questions
Should I call my State Farm agent before I call you?
Call us if water is coming in or the roof is open. Notice to State Farm is still your step. We do not file it. Ask State Farm how they want notice, and keep the claim number.
Can you tell me my State Farm deductible?
No. Wind, hail, and other losses are often treated differently, and we will not guess the percentage or the dollar amount. Read the declarations or ask State Farm.
Do you only help with roof claims?
No. Roof and tarp work, board-up, and water from pipes, heaters, dishwashers, and toilet overflows. The cause goes in the notes as we see it.
What if State Farm wants to see the damage first?
Ask them. If the building is taking on water, we photograph and then protect it when it is safe. Leaving a roof open for a later visit lets the next storm in.
Are you a State Farm preferred vendor or partner?
No. We are not affiliated with State Farm. If you hire us, you hire Elite Restorations. State Farm decides the claim.
Do you promise the claim will be paid?
No. We help with photos, emergency mitigation, a repair estimate, and a meeting with the adjuster if you want us there. State Farm decides coverage and payment. Check your policy.
Is a flood the same as a homeowners claim?
Often no. Rising water from a street, bayou, or reservoir is frequently a different policy from wind, hail, or a sudden plumbing break. We will not rename one as the other. Ask your insurer which contract applies.
Can you help after a hurricane, hail, wind, or tornado?
Yes. We document the damage, tarp or board up when it is safe, dry what got wet, and estimate the repair. We assist. We do not file the State Farm claim for you or give legal advice.
What should I photograph?
Wide shots of each room, close shots of the source, and belongings before they are thrown away. The photo log on this site is a room-by-room way to do that. It does not create coverage.
Will you meet the adjuster?
Yes, if you want us on site. We walk through what we saw of the building. We do not negotiate the dollar figure.
Do you work on apartments and commercial buildings too?
Yes. Homes, apartment communities, and commercial buildings in Greater Houston. Call (713) 909-0034 any time for an active storm or water emergency.
Damage in a State Farm household?
Call (713) 909-0034 or text us. We help document and repair. State Farm decides the claim. We are not State Farm.