You hold an Allstate home policy and you have water, sewage, mold, fire, or storm damage in Macomb or Oakland County. Prime Restoration is on site in about 60 minutes, dries the structure correctly, and builds the claim file the way Allstate adjusters review it. 133 Google reviews, every one of them five stars.
An Allstate claim is won or lost on what is measured in the first hour and what is written down every day after. We built the company around both.
Based in Sterling Heights, covering Macomb and Oakland County around the clock. Water that sits overnight is a bigger claim and a harder one.
Moisture maps, daily logs, photo sets, and an itemized Xactimate estimate. Allstate adjusters review line items. We write line items.
QuickFoto versus on-site adjuster, the sewer backup endorsement, the fungi sublimit, storm-season timelines. We have worked Allstate water claims across Macomb and Oakland County and been paid on them.
Homeowners describing the same thing: a crew that arrived fast, explained the job in plain words, and left the house dry. Read them.
Six steps, from the first call to the rebuild estimate.
One call to (586) 277-1069 and a crew leaves for your address. Across Macomb and Oakland County the typical arrival is about 60 minutes, day or night. The inspection and estimate are free.
Extraction starts on arrival. Then we map every wet surface with a moisture meter and a thermal camera. Those first readings are the baseline your Allstate adjuster compares against, so we take them before a single fan runs.
You open the claim through the Allstate app, allstate.com, 1-800-ALLSTATE, or your agent. We give you the cause of loss in plain words, the date and time we arrived, and the photo set, so the first notice is accurate.
Drying runs three to five days on a typical Metro Detroit basement. Each day we record readings for every wet material and every piece of equipment on site. Allstate pays drying by the day and by the item, and the log is what supports both.
Allstate uses QuickFoto Claim, a photo-upload review, for simple visible losses. It can close a claim in 48 to 72 hours. When water reached inside a wall, a crawlspace, or an attic air handler, we ask for an on-site adjuster, because a phone camera cannot read moisture behind drywall. Either way we walk the adjuster through the scope.
When the drying is done we write the reconstruction estimate in Xactimate, line by line, the same format Allstate reviews on the rebuild side. Line items, not a lump sum, is what moves a rebuild through review.
Every Prime job produces the same six documents. An adjuster who gets all six has no reason to cut the invoice.
General patterns we see on Allstate Michigan policies. Your declarations page controls. Coverage decisions belong to Allstate.
A standard Allstate Michigan HO-3 excludes sewer and drain backup. The optional Sewer and Water Backup endorsement adds a sublimit, commonly $2,500 to $25,000 or more. Check your declarations page before a storm, because a Macomb County basement backup is one of the most common losses we see.
The default fungi limit on most Allstate Michigan policies is $5,000, with buy-ups to $10,000, $25,000, or $50,000. Fast drying is what keeps a water claim from becoming a mold claim that runs into that limit.
A burst pipe, a failed supply line, a water heater that let go: these are sudden losses. A leak that ran for months reads as gradual. How the cause of loss is written on day one matters, and we write it from what we measured, in plain words.
After a regional storm, Allstate inspection windows can stretch to 10 to 21 days. Drying cannot wait that long. Our daily log stands in for the adjuster until they arrive, which is why we never delay mitigation for an inspection.
More on filing, timelines, and other carriers: Michigan insurance claims guide · carriers we document for.
Based in Sterling Heights. Typical arrival about 60 minutes to any of these cities.
No. Prime Restoration is an independent, Michigan-licensed restoration company. We are not part of an Allstate vendor program, and Allstate does not endorse us. We serve Allstate policyholders because homeowners choose us, and our documentation is built to the standard Allstate adjusters review.
A covered loss is paid on the same reasonable-and-customary basis whichever licensed contractor you choose. Allstate scopes in Xactimate, we estimate in Xactimate, and the adjuster compares line items. Disagreements are handled on the numbers, not on who you hired.
Typically about 60 minutes anywhere in Macomb or Oakland County, 24 hours a day. We are based in Sterling Heights. The inspection and the estimate are free.
For a small, visible loss it works and closes fast. When the water reached inside walls, under a floor, or into a crawlspace, we recommend asking for an on-site adjuster. We hand you our moisture map so the request is backed by readings, not a hunch.
The policy belongs to you, so the claim and the payment run through you. We give you every document Allstate needs and we attend the adjuster inspection. Many policyholders sign a direction-to-pay so the mitigation check comes to us and they never front the money. We explain that on site before anything is signed.
A dried and documented basement water loss in Metro Detroit usually costs several times a typical deductible once demolition and equipment days are counted. We measure first and tell you the size of the job before you decide. Small jobs we will tell you to pay out of pocket.
Only with the optional Sewer and Water Backup endorsement on your declarations. Without it, backup is excluded on a standard HO-3. With it, the sublimit is usually between $2,500 and $25,000 or more.
We review the denial against our log and photos and send you a written response to the specific line items. Most cuts on a mitigation invoice are equipment days or demolition quantities, and both are answered with the daily readings we already have.
Allstate Property and Casualty, Allstate Indemnity, Allstate Vehicle and Property, Encompass, Esurance, National General, and Castle Key. They run on the same adjusting platform and the same documentation standard.
Real reviews from Southeast Michigan homeowners
“Had a really good experience with Prime Restoration for mold remediation. They were professional, clear about the process, and actually made me feel confident about the process. Not pushy. I'd definitely recommend them around Bloomfield Hills”
Christian H.
Bloomfield Hills, MI
A person who does this work answers. Typically on site in 60 minutes. The estimate is free.
Call (586) 277-1069Prime Restoration is an independent restoration contractor, MI Residential Builder License #262500492, Sterling Heights, Michigan. Allstate is a trademark of Allstate Insurance Company, used here only to identify the policyholders we serve. Prime Restoration is not affiliated with, endorsed by, or a vendor-program member of Allstate. Coverage decisions are made solely by the carrier under the terms of your policy.
