Take a breath. Here's the whole road home.

Before anything goes on record, start with two calls. Reach out to your insurance agent to understand what your policy covers — then call Summit for a free, no obligation inspection.

• Call your insurance agent first — they help you understand your coverage
• Get a free Summit inspection before you file a claim
• Know the true scope of the damage up front, so nothing gets missed

Take a breath. You don't have to file anything this second. A quick call to your agent and a free inspection put you in control before the claim clock starts — and we'll be right there with you.

Your Summit team boards up and tarps over the damaged areas. It's an urgent step to keep the weather out, deter theft, and hold your home secure while everything else gets sorted.

Good to know. This step is required by your insurance policy — so it's a normal, expected part of the process, not a bad sign.

The team extracts standing water, sets up drying and climate-control equipment, and removes toxic soot. Acting quickly here protects everything that can still be saved.

• Stop etching of your belongings, fixtures & furniture
• Prevent additional water damage & microbial growth
• Remove any affected or contaminated material

The Summit team creates a detailed inventory of your belongings and helps you sort through what comes next.

• We help identify what can be cleaned and what may need replacing
• Everything is packaged, organized, and stored safely during the work

Your memories matter. Sentimental items can often be preserved through special methods — even when they've been damaged. Tell us what's irreplaceable to you.

The right approach depends on the severity and type of damage. We'll choose from three primary methods — often used in combination — to make your home feel fresh again:

1. Manual surface cleaning
2. Encapsulation
3. Air-scrubbing via ozone, hydroxyl, and specialized essential oils

You'll meet the Project Manager who leads your repairs — scoping the rebuild and coordinating our trade partners every step of the way. From here, you have a dedicated point of contact for this phase of your restoration.

The people involved:

Your team co-scopes the damage together with the adjuster to reach an agreed-upon cost of repairs. Once that's set, the initial funds are released — and the restoration project can officially start.

As the repair work starts, you'll make choices about the reconstruction. This is your moment to shape how your home comes back.

An opportunity. If you'd like, upgrades or additions beyond the original scope can be made at this point — at your cost. Your coordinator will walk you through the options.

This is the heart of the rebuild — the part where you really start to see your home return. Work moves through, in order:

• Plumbing & electrical
• Window installation
• Installation of appliances & fixtures
• Flooring installation
• Trim & finish carpentry
• Painting

The final finishes are applied to your home and post-construction cleaning is completed. Behind the scenes, the last pieces of paperwork fall into place:

• Local building authorities sign off on your occupancy permits
• Your insurance company makes its final payment

This is the day it's all been building toward. Everything is made ready so you can simply walk in and settle back into your life.

• The cleaning team completes a full cleaning of the space
• The floor-maintenance team cleans your carpets
• The Summit team delivers, unpacks, and stages your personal belongings