24/7 Emergency Response — Onsite Within The Hour ·Call 480-566-9440
National First Response
National First Response insurance restoration specialist
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.

From Phoenix to Mesa and across the East Valley, homeowners and businesses count on us for emergency restoration and claim support. We document every step, coordinate with adjusters, and restore your property quickly and correctly.

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.

01

Documented

Photos, measurements, estimates, and updates organized for the claim.

02

Coordinated

One team working with you, the adjuster, and the carrier.

03

Completed

Emergency mitigation through the final Certificate of Completion.

Understand Your Policy

The insurance terms that shape your restoration

Policies can be complicated after a disaster. NFR reviews your policy, explains it in plain language, and works with your carrier so you understand what is covered.

Coverage types

How the carrier values damaged property.

01
RCV — Replacement Cost
Pays to replace damaged property with new materials of similar kind and quality.
ACV — Actual Cash Value
Pays replacement cost minus depreciation for age and wear.

Common coverage

The property and expenses a policy may protect.

02
Dwelling
The home’s structure.
Other structures
Detached garages, sheds, or fences.
Personal property
Furniture, clothing, and appliances; special items may need extra coverage.
Loss of use
Living expenses if your home is uninhabitable.

Perils & exclusions

Which events the policy includes—or leaves out.

03
Open perils
Covers all losses unless excluded.
Named perils
Covers only listed events such as fire or theft.
Endorsements
Often needed for floods, earthquakes, or sewer backups.

How We Handle Your Claim

See the whole path. Open only what you need.

The complete eight-step process is still here, now organized into expandable phases. Scan the outcome of every phase, then open the details that matter to you.

Start at Step One
  1. 01

    Step 1

    Report Damages

    Get everyone safe, stop additional damage, and start the claim correctly.

    When disaster strikes, your first priority is safety. Once everyone is secure, NFR steps in to stop further damage and begin the claims process.

    Emergency services are typically covered by your policy. If not, we provide upfront, industry-standard pricing. If your property is unlivable, your insurance may cover temporary housing or living expenses. We help you track receipts and stay organized so nothing is missed.

    • 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
  2. 02

    Step 2

    Assessment & Inspection

    Create a detailed, itemized scope with your adjuster.

    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.

  3. 03

    Step 3

    Insurance Carrier Approval

    Align the scope, costs, payments, and depreciation before restoration begins.

    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.

    • 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.
  4. 04

    Step 4

    Remove Damaged Materials

    Safely remove compromised materials while protecting the livable parts of your property.

    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.

    • 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.
  5. 05

    Step 5

    Order Replacement Materials

    Choose like-kind and quality replacements before anything is ordered.

    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.

  6. 06

    Step 6

    Restore Your Property

    Bring your home or business back to a safe, functional, comfortable condition.

    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.

    Note: 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.

  7. 07

    Step 7

    Final Quality Inspection

    Verify every repair, safety detail, and function before completion.

    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.

  8. 08

    Step 8

    Complete Your Claim

    Correct final issues, sign the completion certificate, and release remaining payments.

    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.

Claim Support That Stays Visible

Less chasing updates. Fewer missed details.

Claimsparency lets you track progress on your claim and property. If your deductible is an issue, ask our Response Team about no-interest deductible financing. Financial hardship doesn’t have to become part of the disaster.

1

Claimsparency

Follow the project and claim from one organized source.

2

Direct billing

We work with the carrier and document the approved scope.

3

Financing help

Ask about no-interest options for an eligible deductible.

One Claim. One Restoration Team.

Every service your property may need—clearly connected

Explore the restoration and repair services NFR can coordinate under one response plan.

From Our Customers

See What Our Customers Are Saying

Google Reviews

“Highly recommend National First Response! Post a sewage and water backup they came in and repaired our bathroom and did a great job. Everything looks new and we're very happy. They were on time, professional and made sure it was perfect”

— John P.

“Very professional and friendly employees. Answered my call right away and had someone out to my house the next day. Highly recommend!”

— Conner M.

“Our experience with National First Response was truly exceptional. After our home was devastated by a fire, they not only rebuilt it beautifully but also restored our faith in the construction industry.”

— Pamela N.

“Dane was very communicative and helped me with all my needs.”

— Mj S.

“The whole team from start to finish were great. … They were polite and had a great attitude throughout the day. Very honest and helpful. They cleaned up as if they were never there. Very professional and were top notch.”

— MzRena M.

“Excellent response time!”

— Marsha E.

24/7 Statewide Service

Onsite valleywide within an hour. Outlying areas within 24 hours.

Let us handle the paperwork and insurance claim. Our restoration experts will restore your home or business — and your peace of mind.

Apache JunctionAvondaleBuckeyeCarefreeCave CreekChandlerChandler HeightsFlagstaffFountain HillsGilbertGlendaleMaricopaMesaPaysonPhoenixPeoriaPrescottQueen CreekScottsdaleSun CityTempeTucson

Our Home Base

Mesa Headquarters

739 W 2nd Ave
Mesa, AZ 85210

480-566-9440
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 480-566-9440
  • Get Help 24/7
  • Onsite Within The Hour
  • IICRC-Certified Firm
  • Direct Insurance Billing

Not in immediate danger?

Choose the clearest next step.

Get a free damage assessmentNot sure how bad it is? We'll tell you honestlyStart an insurance claimWe file it for you and handle the paperwork

If anyone is in danger, leave the property and call 911 before contacting a restoration company.