Payment & Financing

Don't Let Cost Stop You From Restoring Your Home

If you have homeowners insurance, your out-of-pocket cost is usually just your deductible — $500 to $2,500 for most Florida policies.

No insurance? Payment plans and financing options are available. We work with every situation.

📞 321-420-7274 — Talk Payment Options Get a Free Estimate →

$0Upfront for insured jobs

Deductible OnlyTypical out-of-pocket

FinancingAvailable for uninsured work

All CardsVisa, MC, Amex, Discover

For Insured Homeowners

Most Jobs Cost You Only Your Deductible

If you have a standard Florida homeowners insurance policy, the vast majority of water damage, fire, mold (in many cases), and storm damage is covered. Here's how the process works from start to finish:

You File the Claim

Call your insurance company and report the loss. They assign a claim number and adjuster.

We Write the Estimate

We document all damage and produce a detailed Xactimate estimate — the same software your adjuster uses — to capture every covered item.

Adjuster Reviews & Approves

Your adjuster reviews our scope. Because we use Xactimate, there are rarely disputes. We communicate directly with the adjuster if questions arise.

Insurance Pays Us Directly

Your carrier issues payment to CFDR. You don't manage the money — we coordinate directly with them.

You Pay Your Deductible

Your only out-of-pocket cost is your policy deductible, typically $500–$2,500. That's it.

Typical Florida Policy Deductibles

Standard deductible$500 – $1,000

Mid-range deductible$1,000 – $2,500

Hurricane deductible (separate)1% – 5% of home value

Typical homeowner out-of-pocket$500 – $2,500

Deductibles vary by policy. Call us and we'll help you understand what your specific policy covers before you file.

Call 321-420-7274 — Free Consultation

No Insurance? No Problem.

Payment Options for Uninsured Work

Whether your policy doesn't cover the damage, your deductible is high, or you don't carry insurance — we have options to get your restoration done.

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Major Credit Cards

We accept Visa, Mastercard, American Express, and Discover. Split across multiple cards if needed.

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Check or ACH

Pay by personal or business check, or direct bank transfer for larger jobs.

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Third-Party Financing

We partner with lending companies to offer low monthly payment financing for qualified applicants.

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Payment Plans

For larger uninsured projects, we can structure a payment schedule that fits your budget.

Financing Options

Low Monthly Payments for Larger Restoration Projects

Don't delay restoration because of cash flow. We partner with lending companies that specialize in home improvement and restoration financing. Most applicants get a decision the same day they apply.

✓Apply in minutes online or by phone

✓Most approvals same day

✓Low monthly payment options

✓Competitive rates for qualified applicants

✓Financing does not affect your insurance claim

✓Available for partial or full project costs

Ask About Financing — 321-420-7274

Example Monthly Payments

Illustrative estimates only — actual rates depend on credit and lender terms.

$3,000 water damage~$125/mo24 months

$8,000 mold remediation~$220/mo36 months

$15,000 water damage~$320/mo48 months

$25,000 storm restoration~$420/mo60 months

Actual payments vary based on approved rate and loan term. Call to discuss your specific situation.

Cost Reference

Typical Restoration Costs in Florida

Every job is different. These ranges are based on typical Central Florida restoration projects — your Xactimate estimate will reflect your specific situation.

Job Type	Typical Range	Key Variables
Water Damage Restoration	$3,000 – $15,000	Varies by affected area and drying duration
Mold Remediation	$1,500 – $8,000	Depends on square footage and containment required
Fire & Smoke Restoration	$10,000 – $80,000	Structural repairs drive higher-end estimates
Storm Damage Restoration	$2,000 – $30,000	Roof involvement significantly increases scope

Call for a free on-site estimate. We'll give you an accurate number based on your actual damage — not a guess.

FAQ

Payment & Financing Questions Answered

Yes. We accept all major credit cards including Visa, Mastercard, American Express, and Discover. For insured jobs, payment typically comes directly from your carrier, so you may not need to use a card at all.

No. For insured jobs, we work on a direct-pay arrangement with your carrier — we begin work based on the claim, and payment comes from the insurance company. For uninsured work, we discuss payment terms before starting and can structure a plan that works for your situation.

We work to write the most complete, well-documented Xactimate estimate possible to maximize your settlement. If a gap remains after insurance pays, we can discuss financing options to cover the difference so your restoration isn't compromised.

Absolutely. We work with uninsured homeowners and businesses regularly. We offer payment plans for larger jobs, and our lending partners can provide financing for qualified applicants — often with same-day approval decisions.

You file the claim with your carrier, they issue a claim number, we write a detailed Xactimate estimate and submit it. The adjuster reviews and approves the scope, then the carrier pays us directly. You pay only your deductible — typically $500 to $2,500. Most homeowners are surprised by how little comes out of pocket.

We can walk you through what's typically covered and give you a sense of what to expect from your carrier. We're not insurance attorneys, but we've been through hundreds of claims and can explain the process clearly so you go in prepared.

Don't Wait on Cost. Let's Figure It Out Together.

Most jobs cost far less than homeowners expect. Call and we'll walk you through exactly what to expect before committing to anything.

📞 321-420-7274 — Free Consultation Get a Free Estimate →