01Documented
Nothing important gets missed.
Photos, measurements, estimates, and updates are organized so your claim is supported by a clear record.
Arizona insurance claim restoration specialists
Restore your property without fighting the claim alone.
Water, fire, or storm damage is stressful enough. NFR responds 24/7, documents the loss, coordinates with your adjuster, and restores your property while keeping the claim moving.
Restoration First. Insurance Made Simple.
A clear process replaces claim-day confusion.
National First Response has worked thousands of claims with just about every major insurance company. You get a reliable advocate focused on a smooth claim and a complete return to pre-loss condition.
02Coordinated
You always know who owns the next step.
One accountable team keeps you, your adjuster, and your carrier aligned without making you chase updates.
03Completed
Get your property back to normal.
We carry the restoration forward from emergency mitigation through the final repairs needed for your property.
Your Policy
Turn policy language into a clearer recovery plan.
Insurance policies can be complicated, especially after a disaster. Knowing the basics helps you understand what is covered and how NFR works with your carrier to get the best outcome.
Coverage Types
How the carrier values your loss.
Replacement Cost (RCV)
Pays to replace damaged property with new materials of similar kind and quality.
Actual Cash Value (ACV)
Pays replacement cost minus depreciation for age and wear.
Illustrative comparison. ACV settles for less than RCV because depreciation is subtracted first — actual amounts depend on your policy and the property’s condition.
Perils & Exclusions
Which events the policy includes.
Open Perils
Covers all losses unless excluded.
Named Perils
Covers only listed events, such as fire or theft.
+ Endorsements — often needed for:
FloodsEarthquakesSewer backups
Common Coverage
One loss, four separate coverages.
A single storm or water loss is rarely paid from one place. Most homeowners policies split the property into these four parts, and each carries its own limit on your declarations page.
- 1
Dwelling
The structure itself — framing, roof, drywall, flooring, and anything built in.
Check — One dollar limit on page one of your declarations covers all of it.
- 2
Other Structures
Anything detached from the house: garage, casita, shed, or fence.
Check — Usually a percentage of the dwelling limit, not a separate amount.
- 3
Personal Property
What you would take with you — furniture, clothing, electronics, appliances.
Check — Jewelry, firearms, and art often sit under a much lower sub-limit.
- 4
Loss of Use
Living somewhere else while the home is unlivable: hotel, rental, meals, storage, pet boarding.
Check — Pays the amount above your normal costs, so keep every receipt.
How We Work Your Claim With You
Know what happens next, before each decision arrives.
Start My Claim With Help
01Step 1
Report Damages
Get everyone safe, stop additional damage, and start the claim correctly.
What happens during this step
When disaster strikes, your first priority is safety. Once everyone is secure, NFR steps in to stop further damage and begin the claims process.
We document the damage for your claim. You open the claim with your carrier as the policyholder, and we give you the photographs, measurements, and detailed scope so nothing is left out. With your permission we can speak with your insurer about the work we performed. We do not file, adjust, or negotiate your claim, and coverage decisions are your insurer’s.
Many policies cover emergency mitigation, though coverage depends on your policy and your insurer’s decision. Either way we provide upfront, industry-standard pricing.
Some policies include temporary housing or additional living expenses. We help you track receipts and stay organized so nothing is missed when you speak with your insurer.
What NFR helps coordinate
- Gather details about the loss and confirm your insurance coverage
- Dispatch a technician within the hour to assess the damage
- Provide water extraction, roof tarping, or board-ups to protect your property
02Step 2
Assessment & Inspection
Create a detailed, itemized scope with your adjuster.
What happens during this step
Once your property is secure, our project manager and your insurance adjuster assess the damage together. We create a detailed scope of work that outlines what was affected, the repairs needed, and the estimated costs.
All damages are itemized using industry-standard pricing software, so there are no surprises. Our philosophy is to restore whenever possible and only replace when necessary. Nothing moves forward until both you and your insurance carrier approve the plan.
03Step 3
Insurance Carrier Approval
Align the scope, costs, payments, and depreciation before restoration begins.
What happens during this step
Once all damage reports and estimates are submitted, your insurance carrier reviews the claim. NFR works directly with the adjuster to make sure the scope of work is accurate and complete. Restoration does not begin until the insurance company issues approval.
Our job is to advocate for you, streamline the process, and ensure your claim reflects the full cost of restoring your property.
What NFR helps coordinate
- Agreement on Scope: You, NFR, and your insurance carrier agree on the repair plan and costs.
- Claim Payments: Payments are typically mailed within 15–30 business days. Your mortgage company may also be named on the check.
- Depreciation: Some items are paid in two parts: an initial payment, then the balance after repairs or replacements are completed.
04Step 4
Remove Damaged Materials
Safely remove compromised materials while protecting the livable parts of your property.
What happens during this step
After approval, the next step is safe demolition of damaged areas. Depending on the severity of the loss, this may include removing drywall, flooring, cabinetry, or other compromised materials. All work follows local building codes, and when needed, a structural engineer evaluates the property.
What NFR helps coordinate
- Minimizing disruption: We do our best to keep your home livable, including access to key appliances or resetting bathrooms when possible.
- Safety & cleanliness: We maintain a secure, organized job site to protect your family and property.
05Step 5
Order Replacement Materials
Choose like-kind and quality replacements before anything is ordered.
What happens during this step
Once demolition is complete, we move into replacing damaged materials. This often includes flooring, cabinetry, appliances, plumbing, and light fixtures. Our goal is to restore items with like-kind and quality materials whenever possible.
If the original product is no longer available, we work with you to select the closest match. Before anything is ordered, you’ll review and approve the options to ensure you’re satisfied with the final look and quality.
06Step 6
Restore Your Property
Bring your home or business back to a safe, functional, comfortable condition.
What happens during this step
Restoration means bringing your property back to its pre-loss condition. Our team focuses on making your home or business safe, functional, and comfortable again so you can return to normal life as quickly as possible.
We’ll stay in close communication, address your concerns, and follow through on the approved scope of work.
Important to know: Insurance policies cover restoration, not remodeling or upgrades. If you’d like additional improvements, your project manager can coordinate those as separate work outside the insurance claim.
07Step 7
Final Quality Inspection
Verify every repair, safety detail, and function before completion.
What happens during this step
At National First Response, we believe quality isn’t just a final check: it’s built into every step of the process. Still, before your project is officially complete, our team conducts a final inspection to make sure every repair and restoration detail meets the highest standards.
We review all work performed, confirm safety and functionality, and walk the property with you to ensure you are fully satisfied. Our goal is to deliver consistent, reliable results that restore your property and your peace of mind.
08Step 8
Complete Your Claim
Correct final issues, sign the completion certificate, and release remaining payments.
What happens during this step
Once restoration is finished, our project manager will meet with you on-site to review every detail of the work. If you notice any issues, they’ll be documented and corrected quickly, usually within three business days.
After you’re satisfied, you’ll sign a Certificate of Completion that confirms the project is finished. At this point, your insurance carrier will close out the claim and release any final payments, including depreciation if it applies.
Claimsparency™
Know what is happening before you have to ask.
NFR built Claimsparency to remove the uncertainty that begins after a property loss. Your private view keeps the responsible team, current progress, upcoming work, and project records connected in one place.
Project current
Project overview
The current phase, next visit, latest update, and assigned team.
Current phaseUpdated today
Structural dryingEquipment is operating in two affected rooms.
- ✓Assessment
- 2Mitigation
- 3Repairs
- 4Complete
Next scheduled taskTomorrow
Moisture monitoring visitTechnician arrival window
Assigned toVinnie · Mitigation ManagerYour project team3 assigned
Jeremy SnyderProject manager
Vinnie NeumannMitigation manager
Eric WaltersOperations manager
Latest updateToday · 9:14 AM
Moisture readings were recorded. Drying equipment remains in place and the affected area is progressing as expected.
View activity →From Our Customers
See What Our Customers Are Saying
“Amazing job. Highly recommend. I worked with Kyle for my roof. At first I wasn’t to sure, i hate calling insurance, Kyle assured me he would deal with everything. He kept me in the loop the entire time. So I was aware of everything that was going on without the stress. The roof looks amazing and was done super quick once it was approved. If you’re thinking about it, you should do it. Kyle was very professional and that’s important to me because I’m female so I’m always worried I don’t know enough and can be taken advantage off.”
“This was a wonderful experience, working with National First Response. From the first day of inspection to the final day of having my roof installed, it was less than one month. Great service! Thank you so much. Nicole was very quick to respond every time.”
“I am very impressed with National First Response's roofing division. My roof replacement was covered by my home insurance company and I could not be happier with the professionalism of everyone I met or was involved with personally. My contact, Nicole Sullivan, who I only connected with virtually, kept me informed of the process every step of the way. Her cheerful and prompt response to my inquiries was refreshing. Brandon Velander, who came out after the roof was installed, was equally cheerful and professional. The crew that delivered the roofing materials and the crew that installed them were cheerful and professional as well. I'm very happy with this company and will definitely refer them to my friends.”
“We worked with Mike and he took us through the process flawlessly! The crew showed up on time and did a high quality job. Our roof looks great. Thanks to NFR!”
“Great experience! From the get go the First Response team was super communicative, they made sure all aspects of the project were aligned and being handled properly. The Ops manager, Nicole and her staff were communicating with me weekly and throughout the process of the installation. The installation team was amazing, very knowledgeable, professional and thorough. They made sure the property was kept clean and maintained, they cleaned up after installation and made sure everything was right before they completed. These guys are pro level and on point 100%. Highly recommend this company for roofing…!”
“We had such a great experience with this company. We love our new roof! Very professional throughout the whole process. Thank you National First Response! I would totally recommend to my friends and family!”
24/7 Statewide Service
Emergency response in 90 minutes or less, with statewide service throughout Arizona.
Not sure how serious the damage is? We can assess what happened, explain the next step, and help you protect the property before the loss spreads.
Additional Arizona service areas
AhwatukeeAnthemApache JunctionAvondaleBuckeyeCarefreeCave CreekChandlerChandler HeightsFountain HillsGilbertGlendaleGold CanyonMaricopaMesaParadise ValleyPeoriaPhoenixPrescottQueen CreekSan Tan ValleyScottsdaleSun CitySun City WestSun LakesTempe
24/7 local response
Phoenix
Water, fire, storm & property restoration
24/7 local response
Scottsdale
Water, fire, storm & property restoration
Our Home Base
Tempe Headquarters
316 S. Price Rd
Tempe, AZ 85281
- Fax
- (480) 907-2030
24/7 Statewide Service
Get your property protected, restored, and back to normal.
One call brings the right crew, a clear recovery plan, and help with the insurance paperwork from start to finish.
Fastest way to get helpCall 480-405-5596Not in immediate danger?
Choose the clearest next step.
If anyone is in danger, leave the property and call 911 before contacting a restoration company.