How Matching & Restoration Works
From Emergency Call to Fully Restored Home: The Full Process
Here is what happens when you call or text CFDR at 321-420-7274: owner Ryan Solberg asks where the property is and what happened, and matches you with a restoration company from CFDR's network that covers your address. That company inspects, gives you a written, itemized estimate, does the work and contracts with you directly. You pay CFDR nothing, and CFDR does not bill your insurer.
CFDR is a referral service, not a neutral rating site: it matches callers only with companies in its own network.
Emergency Response
What happens after I call?
The first call and the first visit
You call — the owner takes the call
When you dial 321-420-7274, Ryan Solberg, the owner of CFDR, takes the call. Call any hour. Owner Ryan Solberg takes the calls; if he is on another call, he calls you back. He asks where the property is and what happened.
Ryan matches you with a company
Ryan matches you with a restoration company from CFDR's network that covers your address.
On-site assessment
Ask the matched company for its arrival time before you agree to anything. The matched company assesses the extent of the damage, identifies the moisture source and determines the safest path forward, using moisture meters and thermal imaging to see damage that isn't visible to the naked eye.
Secure and document
The company photographs and documents everything before touching it; this creates the evidence trail your insurance claim will depend on. If emergency board-up or a water shutoff is needed, it secures the property to stop further damage; ask whether it also does roof tarping.
Mitigation
Phase 2: Mitigation
Usually the first days
Water extraction
The matched company uses truck-mounted and portable extraction equipment to remove standing water quickly. Speed matters here: every hour water sits, it migrates further into walls, subfloors, and building materials.
Emergency boarding and containment
Broken windows, damaged roof sections, and exposed openings are secured. If the loss involves mold or sewage, containment barriers are used to prevent cross-contamination to unaffected areas of your home.
Professional drying equipment installed
The company places dehumidifiers, air movers, and desiccant units in a configuration based on the structure's layout and moisture readings. Equipment placement directly affects drying time and outcomes.
Daily monitoring and documentation
Technicians return to take moisture readings at every monitoring point. Every reading should be logged and equipment adjusted as needed; those records show your adjuster how drying was monitored (IICRC S500 is the industry standard for water damage restoration).
Controlled material removal
When drying data indicates that materials cannot be effectively dried in place (typically wet drywall, saturated insulation, or buckled flooring), the company removes them: only what's necessary, documented with photos before and after.
Insurance Documentation
Phase 3: Insurance Documentation
Ongoing throughout the project
Xactimate estimate prepared
The matched company prepares the scope of work and repair estimate in Xactimate, the line-item estimating software many insurers use, so your adjuster can compare it line by line with their own numbers.
Adjuster meeting on-site
The company can meet your assigned adjuster at your property, walk the loss together, and explain its own estimate. Decisions about your claim stay between you and your insurer.
Estimate supported
The company backs up its estimate with photos, moisture readings, and line items. If damage turns up that the first estimate missed, it documents that too.
Paperwork provided
Moisture logs, photos, and invoices: ask the matched company for the paperwork for its part of the job, so you have it if your insurer has questions.
Reconstruction
Phase 4: Reconstruction
Usually weeks; varies by scope
Demo of damaged materials
With approvals in place, the matched company removes damaged structural components (drywall, framing, flooring, cabinetry, insulation) that cannot be restored, and inventories what comes out.
Rebuild to current code
Florida building codes change over time, and restoration is a chance to bring your home up to current standards where required. The company is responsible for permits and inspections on its work; check that its license covers the work you are hiring it for (verify at myfloridalicense.com).
Flooring, drywall, paint, and finish work
The company repairs surfaces to match existing textures, paint colors, trim profiles, and flooring where possible. Agree on finishes in the written estimate before work starts.
Contents reinstalled
Furniture, fixtures, and belongings removed during mitigation are returned as reconstruction completes. If contents needed off-site cleaning and storage, ask the company when they will come back.
Final Walkthrough
Phase 5: Final Walkthrough
Project completion
Walk through together
Before you sign off, walk the restored area with the company's project lead and compare it with the written estimate. Check every surface and test every function.
Put concerns in writing
If something doesn't look right (a paint color that's slightly off, a door that doesn't hang quite right), list it in writing and agree on a date for the fix before you pay the final invoice.
Sign off when you are satisfied
Don't sign a completion certificate or release final payment until the work matches the estimate. If you are unhappy with the company's response, tell Ryan.
Mold clearance
For mold remediation, ask for the licensed Mold Assessor's post-remediation clearance report. The company that assesses a home generally may not remediate it within 12 months, so the assessor and the remediator are different companies (see the statutes under Sources).
Who actually shows up at my house?
The restoration company CFDR matched you with, not CFDR itself. Here is how the match works and what to ask for.
Ryan is your first call
Ryan Solberg takes the call and makes the match. After that you contract with the matched company directly. CFDR does not perform restoration.
One match, not a bidding war
Ryan matches you with a restoration company from CFDR's network, based on the damage type and your address.
Ask for the paperwork
Ask the matched company for photos, moisture readings and a written, itemized estimate. That documentation matters if your insurer questions the work.
Ask before you agree
Ask the matched company for its arrival time before you agree to anything. Ask the matched company whether it charges for an inspection before it comes out.
How are network companies chosen?
Ryan adds companies to the network himself. Before work starts, check the company's license, IICRC firm number and insurance yourself: how to check any restoration company → Realtors and insurance agents: how to hand a client to CFDR →
What do I pay?
Central Florida Disaster Recovery (CFDR) is a private restoration referral service based in Orlando. It is not a FEMA or government disaster recovery center, and it is not a restoration contractor. When you call or text 321-420-7274, owner Ryan Solberg asks where the property is and what happened, then matches you with a restoration company from CFDR's network. That company inspects the damage, gives you a written, itemized estimate before work starts, does the work and contracts with you directly. CFDR does not perform restoration and does not negotiate insurance claims. You pay CFDR nothing, and CFDR does not bill your insurer. Before work starts, ask the company for its Florida license number where the work needs one, its IICRC Certified Firm number and a certificate of insurance.
What can the company do for my insurance claim?
Your matched company documents the loss for your claim and writes a line-item Xactimate estimate. Coverage and settlement decisions stay between you and your insurer.
In Florida, only a licensed public adjuster or an attorney may be paid to negotiate a claim for you (s. 626.854).
Florida requires a licensed Mold Assessor (MRSA) to assess, and a licensed Mold Remediator (MRSR) to remove, mold growth larger than 10 square feet; the company that assesses a home generally may not remediate it within 12 months (ss. 468.8411, 468.8419).
How long does each phase take?
Every loss is unique. These are general ranges (UNVERIFIED: not drawn from CFDR job data).
General ranges, UNVERIFIED. Complex or commercial projects may vary. Insurance approval timelines can also affect reconstruction start dates.
Ready to Get Matched? Call Now.
Every hour matters with water damage. Call or text 321-420-7274. Call any hour. Owner Ryan Solberg takes the calls; if he is on another call, he calls you back.
24/7 calls taken · Owner-operated referral service