Insurance billing
How we work with insurance
Insurance paperwork shouldn’t be your job right now. We bill your insurance company directly, deal with the adjuster, and keep you in the loop. No money up front.
- Local Chattanooga techs
- 24/7
- No money up front
- Discreet & unmarked
Techs on standby now
Talk to a local tech now
Tell us what happened. We’ll explain what comes next and send someone from our Chattanooga team. No pressure, no money up front.
- Answered 24/7 by our own team, not a call center
- No deposit. We bill your insurance directly
- Unmarked vehicles and complete discretion
Answered 24/7
Day or night, a real person on our local team picks up.
No money up front
We take care of you first and sort out payment later.
We bill insurance directly
We deal with the adjuster so you don't have to.
Unmarked vehicles
Quiet, discreet arrival. Your neighbors won't know why we're there.
How it works
Four steps, and we handle most of them
Share what you have
Your insurer’s name and policy number if you have them. If not, that’s okay. We’ll help you find them.
We document everything
Photos, moisture and contamination readings, and a detailed written scope of the work.
We work with the adjuster
We send the estimate, answer their questions, and bill your insurance company directly.
You stay informed
If anything isn’t covered, we go over it with you in writing before anything is final.
Coverage
What's usually covered
Many homeowners and renters policies cover cleanup after sudden, accidental events like an unattended death, suicide, crime or injury in the home. Every policy is different, so we help you find out what yours says. Read the insurance guide.
Business owners, landlords and property managers usually have commercial property coverage that applies. We can bill the owner, the management company or the insurer, whichever is right.
If insurance won’t cover it, Tennessee and Georgia victim compensation programs can help after a crime: Tennessee guide · Georgia guide.
Tip: You don't need to file the claim before calling us. We can start, document the scene properly, and help you open the claim.
FAQ
Questions families ask us
Still have a question? Call 423-954-0185 any time. You’ll talk to someone local.
Often, yes. Many homeowners and renters policies cover sudden, accidental events, but every policy is different. We review your coverage with you and bill your insurance company directly, so you’re not dealing with the adjuster alone.
No. We never ask for money up front. We bill insurance or victim compensation first, and we go over any remaining cost with you in writing before anything is final.
Usually the property owner arranges cleanup, and the tenant’s estate or the owner’s insurance may cover it. We work directly with landlords and property managers, bill the right party, and provide documentation for your records.
Helpful links
Trusted outside resources
Official agencies and organizations we point families to. We have no paid relationship with any of them.
We’re here right now
You don't have to handle this alone
Call now and a local BlueReady tech will walk you through what happens next. Answered 24/7. No money up front.