Financing
Insurance doesn't always pay for everything, and some jobs never go through a claim at all. Financing is available so the part left to you doesn't land all at once. Start with a free inspection, and we'll work out the financing together.
- Free inspection, no commitment
- A crew in about an hour, any time of day
- We work with all insurance companies
- Financing for any of our services
IICRC Certified FirmWater, fire and smoke- 4.9 on GoogleExcellent
Licensed residential builderMichigan license 262400246
What financing can cover
Insurance pays for a lot of a restoration job, but rarely all of it. Financing covers the part that's left to you.
Questions about your situation? Call (866) 333-6424. A person answers at any hour.
Your deductible
Every claim starts with your deductible. Financing lets you spread it out instead of paying it all at once.
What your policy won't pay for
Some losses fall outside a policy, such as water that comes in from outside, or a sewer backup without the right endorsement. Financing covers the parts insurance won't.
Jobs with no insurance claim
You may decide not to file a claim, or the house may be one you're fixing up to sell. Financing covers those jobs too, and the invoice and paperwork come to you alone.
A rebuild that matches
If the policy pays to replace only the damaged part of a floor and you'd like the whole room redone so it matches, financing can cover the difference.
Getting home sooner
If one floor can be finished first so your family can move back sooner, financing can pay for that part while the claim catches up.
How financing works with your claim
You don't have to decide anything about financing on the first call. You can wait until you know what the claim will pay.
Ask about financing when you call, or at your free inspection.
Call us, day or night
A person answers at any hour, and a crew reaches you in about an hour to stop the damage from spreading.
Get a free inspection
We find out how far the water, smoke or soot has gone, and explain what we found before you sign anything.
We work with your insurance
Our invoice and photos go to you and your insurance company, with a request that they pay us directly.
Finance what's left
Our billing office walks you through the financing options for your share. You can finance part of the job or all of it.
We Work With All Insurance Companies
We work directly with your insurance company on restoration claims across Southeast Michigan.
- We work directly with your insurance
- We document the loss
- A free inspection, no commitment
Farmers Insurance
Allstate
AIG
USAA
Travelers
State Farm
Nationwide
Liberty Mutual
Erie Insurance
Church Mutual InsuranceWhat Southeast Michigan says about us
Homeowners share how the job went, from the first call to the last repair.
4.9 out of 5,232 reviews on Google
Christopher Cichocki
5 days ago
Ask for Joe A. He made everything so easy.
Karmen Flores
a week ago
Now I know why Response is in the name! The team at Response is quick with follow up, professional, and knowledgeable.
Sharon Law
a week ago
Courteous, understanding, and incredibly professional. They took the time to explain everything thoroughly and helped ease my anxiety throughout the process. The work was completed carefully and in a timely manner. The entire team was thoughtful, kind, and considerate, making what could have been a stressful experience much more comfortable. I truly appreciate their excellent service!
Communities we serve across Southeast Michigan
We run crews across Oakland, Macomb, St. Clair, Wayne and Lapeer counties from our base in Rochester Hills, and financing is available anywhere we work. Call any hour to ask if we cover your address.
Rob Alter
5 days ago
“We had a major flood problem and I called Joseph and he immediately called me back. The response time was great. The price was great and the job was done fast and it was professional. When they where done they cleaned up perfectly!!”
Response Flood & Fire
Restoration Services
- Water Damage Restoration
- Fire Damage Restoration
- Mold Remediation
- Storm Damage Restoration
- Asbestos Abatement
Zip Codes Served
Cities and counties we serve
Financing questions
Questions we get from our customers' and our answers.
Do you offer financing?
Yes. Financing is available for any of our services: water, fire, smoke, storm, mold and asbestos work across Southeast Michigan.
What will my rate and payment be?
That depends on the option you choose, so we don't list it on the website. Our billing office walks you through the options and what each one means before you decide.
Can I finance my insurance deductible?
Yes. Financing covers your deductible, anything your policy excludes, and repairs where no claim is involved at all.
Do I have to file an insurance claim to use financing?
No. If you decide to pay without a claim, the invoice and documentation come to you alone, and financing is available.
Do I have to finance the whole job?
No. Some homeowners finance the dry-out right away, then decide on the reconstruction once they know what the claim will pay.
When is my invoice due?
Not the day we finish. Payment is due 30 days after you receive the invoice, and the insurance company often pays us directly. Waiting on the insurance company can slow down getting your home put back together, which is one reason homeowners choose to finance their share.
Does financing change how you work with my insurance?
No. We still work directly with your insurance company and send our invoice to you and your insurer. Financing only covers the share left to you.
Have a question? Call us, we're available. (866)-333-6424
Ask about financing at your free inspection
Tell us what happened and that you'd like to hear about financing. If water is still coming in, call now so we can send a crew.
- We work directly with your insurance
- A free inspection, no commitment
- Financing available if you need it
Thank You!
We've received your request and will contact you within 15 minutes during business hours.
Speak with the Response Flood & Fire team now
(866) 333-6424
