Water emergency? Our phone is answered 24/7. Call 515-216-4293
Reachable 24/7 · 515-216-4293 · Des Moines metro & Central Iowa Elite Restoration Services of Iowa, LLC · Iowa Reg. #C151765
Elite Restoration Services of Iowa, home Call 24/7: 515-216-4293

Insurance guide

Can I Choose My Own Restoration Company?

Your insurance company may suggest a restoration company, but you can choose who works on your home. Here is how it works, what to ask, and what to sign.

Call 515-216-4293 Request a free inspection

Free, no-obligation inspection within our service area. Work is billed only if you approve it in a signed work authorization.

Any hour, day or night. Our answering service takes your message and our office calls you back.

  • 5.0 from
    23 Google reviews
  • IICRC Certified Firm
  • BBB A+
  • Locally owned

Last updated · Written by the Elite Restoration Services of Iowa team

Can I pick my own restoration company?

Yes. Your insurance company may suggest one, but you can choose who works on your home. Check your policy and talk with your adjuster about how they handle it. Elite Restoration Services of Iowa documents every job for your adjuster, and you also choose who does your repairs.

How to choose, step by step

  1. Check your policy and call your insurer

    Open the claim and ask what your carrier needs from you. Only your policy and adjuster can say what is covered.

  2. Know that the choice is yours

    Your insurance company may suggest a restoration company. You can still choose who works on your home.

  3. Ask the right questions

    See the checklist below. A good company will answer all of it plainly.

  4. Get a free inspection and a written plan

    Ask what will be removed and why, and how drying will be measured.

  5. Sign only what you understand

    Work should be billed only if you approve it in a signed work authorization.

  6. Keep the documentation

    Photos, moisture logs and the scope should come to you and go to whichever repair contractor you choose.

Questions to ask before you sign

Use this list with any restoration company. These are our answers.

  • Is your phone answered 24/7? Ours is, by an answering service, and our office calls you back.
  • Is the inspection free? Yes, within our service area, with no obligation.
  • What certifications do you hold? Elite is an IICRC Certified Firm with an IICRC Triple Master on staff, and BBB A+.
  • How do you decide something is dry? By moisture readings, not the calendar.
  • Will I get copies of photos and moisture logs? Yes.
  • Do I have to use you for repairs? No.
  • Are you registered in Iowa? Iowa registered contractor #C151765.

Need help with a loss right now?

Call any hour. The on-site inspection is free, with no obligation.

Call 515-216-4293 Request a free inspection

Free, no-obligation inspection within our service area. Work is billed only if you approve it in a signed work authorization.

How the claim usually goes

  1. Make the area safe and stop the source

    Shut off the water or wait for the fire department to release the building. Call 911 first for any fire, gas smell or electrical danger.

  2. Call your insurance company

    Opening the claim early lets you ask what your carrier needs from you. Only your policy and adjuster can say what is covered.

  3. Call Elite for a free inspection

    Our phone is answered 24/7. We look at what got wet or smoke-damaged and explain what it needs before any work is authorized.

  4. Document as we go

    Photos, moisture readings and a written scope are kept for the job, which is the record your adjuster reviews.

  5. Pick your repair contractor

    Once mitigation is done, the file goes to the contractor you choose.

You choose who does your repairs

Elite handles the emergency side: stopping further damage, drying and cleaning, and documenting the job. When it is time to rebuild, the choice of contractor is yours. Our photos, moisture logs and scope go to whichever contractor you pick, so nobody has to start from scratch.

  • You are never required to use any particular repair contractor
  • Your documentation goes with you: photos, moisture logs and a written scope
  • Work is billed only if you approve it in a signed work authorization
  • We're not a public adjuster, so we don't negotiate or settle claims

Related reading

Straight answers

Choosing a restoration company: questions people ask

Don't see yours? Call 515-216-4293 any hour and ask.

Can I choose my own restoration company in Iowa?

Your insurance company may recommend a company, but you can choose who works on your home. Check your policy and talk with your adjuster about how they handle it.

Will choosing my own company hurt my claim?

Your adjuster decides what is covered under your policy. A company that documents the job with photos, moisture readings and a written scope makes it easier for your adjuster to review.

Is a restoration company the same as a public adjuster?

No. A restoration company does the mitigation work. Elite is not a public adjuster, so we do not negotiate or settle claims.

Do I have to use the same company for repairs?

No. You choose who does your repairs. Elite hands over its documentation to the contractor you pick.

What should I ask a restoration company?

Whether the phone is answered 24/7, whether the inspection is free, what certifications they hold, how they measure drying, and whether you will get copies of photos and moisture logs.

Elite Restoration Services of Iowa, LLC and M&B Contractor Services LLC have the same owners. If you need repairs or rebuilding after mitigation, M&B is one option, but you are never required to use M&B. You are free to choose any contractor, and your choice will not affect the mitigation services Elite provides. We share your information with M&B only with your permission.

About Elite Restoration Services of Iowa

Elite Restoration Services of Iowa, LLC is a locally owned, independent restoration company at 751 NE 46th Ave, Des Moines, Iowa 50313, offering water, fire and smoke, mold, storm and sewage damage restoration. It has been fully operating since February 2026. Elite is an IICRC Certified Firm, BBB A+ accredited and Iowa registered contractor #C151765. Phone 515-216-4293, answered 24/7.

About EliteAll servicesService areasReviews

Call Elite. Consider it handled.

Request a free insurance claim documentation inspection

515-216-4293

Calling is the most direct way to reach us, day or night. Prefer to type? Send this short form and our office will call you back.

  • 751 NE 46th Ave, Des Moines, IA 50313
  • Free on-site inspection
  • Your choice of repair contractor

Free on-site inspections within our service area in the Des Moines metro and Central Iowa; ask us about any limits when you call. The inspection is free with no obligation. Mitigation, lab testing, and repair work are billed only if you approve them in a signed work authorization.

Elite Restoration Services of Iowa, LLC and M&B Contractor Services LLC have the same owners. If you need repairs or rebuilding after mitigation, M&B is one option, but you are never required to use M&B. You are free to choose any contractor, and your choice will not affect the mitigation services Elite provides. We share your information with M&B only with your permission.

Free inspection request

A few quick details and our office will call you back. All fields are required unless marked optional.

We use the information you submit only to respond to your request and provide our services. We do not sell your information. We will share it with M&B Contractor Services LLC or your insurance company only with your permission. Calls with Elite may be recorded. See our Privacy Policy and Terms of Use.

Urgent? Call 515-216-4293 any hour.

Call 24/7 515-216-4293 Free inspection