Insurance Work
Insurance-Covered Restoration Painting
We work directly with insurance adjusters on covered restoration projects from quote to completion.
Overview
Insurance restoration painting, handled professionally.
When fire, smoke, water, or vandalism damages your home or business, the painting portion of the restoration is often the most visible part of the project. It's also the part that's most often disputed with insurance — overlooked line items, sheen mismatches, and rooms that don't read finished even after the check clears.
We work with adjusters directly. We provide itemized, photo-documented estimates in formats compatible with Xactimate, we coordinate scope changes through your carrier rather than springing them on you, and we deliver work that satisfies both the insured and the claim.
Our Process
Adjuster-friendly from quote to completion.
When we walk a damage claim, we photograph every affected surface, measure every room, and itemize every task — surface prep, primer, two coats of finish, trim, ceilings, and any specialty restoration work like smoke-odor sealing or texture matching.
The estimate goes to you and, with your approval, to your adjuster. If the carrier's scope is different from what we see on site, we document the difference with photos and submit a supplement rather than telling you to pay out of pocket.
Once the scope is approved we schedule the work, complete it cleanly, and provide a final invoice formatted to match the approved estimate line-by-line so the claim closes smoothly.
What's Included
What insurance restoration includes.
Our insurance-work scope is designed to satisfy both the homeowner and the adjuster.
Photo-Documented Estimate
Every damaged surface photographed and itemized so the scope is defensible during claim review.
Xactimate-Compatible Format
Line items written to match the categories adjusters use — primer, two coats, trim, ceiling, masking, prep — so nothing gets stripped during review.
Supplement Handling
When on-site conditions differ from the approved scope, we document and submit a supplement to your carrier rather than billing you for the difference.
Final Invoice Matched to Scope
Final invoice is line-by-line matched to the approved estimate so the claim closes without back-and-forth.
Materials & Finishes
Quality products on insurance work.
We don't downgrade product quality on insurance jobs. The same Sherwin-Williams, Benjamin Moore, and PPG products we use on private-pay projects are what go into restoration work.
For restoration-specific scope — fire, smoke, water — we add the appropriate stain-blocking primers, odor sealers, and mildew-resistant coatings as separate line items on the estimate.
Showcase
A look at recent work.
A selection of insurance work projects we've completed across the Chicago suburbs — bid against a written scope, scheduled around the client's needs, and finished on the date promised.
Why Pristine
Why adjusters and insureds work with us.
Clean documentation.
Itemized, photographed, and formatted for insurance review. Claims close faster when the scope is defensible.
Honest scoping.
We don't pad estimates and we don't strip them either. The scope reflects what the property actually needs.
Direct adjuster coordination.
We talk to the adjuster so you don't have to be in the middle of every technical conversation.
Timeline & Planning
Insurance project timelines.
Once scope is approved by the carrier, most single-room restoration projects start within one to two weeks and complete in three to seven working days. Whole-home restoration is scheduled with the larger remediation timeline and usually runs three to six weeks total.
Testimonials
What clients say.
Honest estimate, professional crew, and the finish looks better than we expected. We'll absolutely call Pristine again.
Jennifer M.
Wheaton, IL
They showed up on time, did exactly what they quoted, and cleaned up at the end of every day. Couldn't ask for more.
Robert K.
Naperville, IL
Real craftsmanship and a crew you actually want in your house. The quality speaks for itself.
Karen D.
Glen Ellyn, IL
Frequently Asked
Common questions.
Will you bill my insurance directly?
What if the adjuster missed something?
Do you handle the rest of the restoration too?
Are you licensed, bonded, and insured?
Do you offer a workmanship guarantee?
How long does an estimate take?
Do you handle prep work like patching and sanding?
Service Area
Serving Dupage County & the Chicago suburbs.
From our shop in Lombard we cover all of Dupage County and the surrounding Chicago suburbs — Glen Ellyn, Wheaton, Downers Grove, Lisle, Naperville, Addison, Bloomingdale, Villa Park, Carol Stream, Warrenville, West Chicago, Roselle, Winfield, and Schaumburg — and we regularly travel into Kane County, McHenry, and Montgomery.
If you're nearby and don't see your town listed, call us anyway — we almost certainly cover it.
Get In Touch
Ready to transform your space? With 15+ years of experience and a reputation for honest, quality craftsmanship, we are the painters Lombard trusts. Call us now for a free, no-obligation quote — let us bring your vision to life.
Phone
(630) 546-5528Address
142 East Windsor Avenue, Lombard, IL 60148