About X-Cel Restoration

Founded in 1991, X-Cel Restoration is Southeastern Michigan’s preferred restoration provider. When faced with damage to your property or belongings caused by water, fire, mold, or storm, you can count on our 24/7 emergency service to over 13 counties.

Because there is no substitute for experience, our technicians are highly trained in industry best practices and equipment in order to bring the highest quality mitigation and restoration solutions directly to your door. What’s more, we maintain a 15,000 square foot facility that is used to decontaminate and store your salvageable personal property. Whether your loss is due to water damage, fire damage, smoke damage, mole damage, or storm damage, we are prepared to restore your peace of mind.

Understanding the Water Restoration Process: A Guide for Michigan Homeowners

Customer Reviews

We Help Manage Your Insurance Claims

We work directly with insurance companies to coordinate every facets of your claim. From inception to completion, your X-Cel Restoration project manager will explore all options and maintain a responsive relationship with your insurer.

FAQs

Insurance Claims

You can do either, but calling a restoration company first is often best. Immediate mitigation prevents further damage, which insurance requires. A reputable restoration company can then help you notify insurance, document damage, and coordinate with the adjuster. Delays can lead to denied or reduced claims.

It depends. Factors include:

  • Your claims history
  • Cause of the damage (sudden vs. repeated)
  • Severity of the loss
  • Your insurance provider

A single, sudden event (like a burst pipe) is less likely to increase premiums than repeated claims or long-term leaks.

Mitigation means you are required to take reasonable steps to prevent further damage after a loss. This includes:

  • Stopping the water source
  • Removing standing water
  • Drying affected areas

If you fail to mitigate, insurance may deny coverage for damage that occurred after the initial incident.

A deductible is the amount you pay out of pocket before insurance covers the rest. Example:

  • Restoration cost: $10,000
  • Deductible: $1,000
  • Insurance pays: $9,000

The deductible is typically paid directly by the homeowner, not the insurance company.

Good documentation is critical. You should:

  • Take photos and videos before cleanup (if safe)
  • Record dates, times, and cause of loss
  • Save receipts for emergency repairs
  • List damaged items with descriptions and estimated values

X-Cel Restoration provides moisture readings, photos, and reports to support your claim.

Yes, Xcel Restoration often works directly with insurance and submits invoices, estimates, and documentation on your behalf. You are still responsible for your deductible and any non-covered items.

In Michigan, an AOB allows you to assign insurance claim rights to a restoration company so they can work directly with your insurer for payment.

Important points:

  • AOBs are legal in Michigan
  • They should clearly state scope and limits
  • You should always read before signing

Avoid statements that can unintentionally harm your claim, such as:

  • Admitting fault or negligence
  • Guessing about the cause or timeline
  • Saying damage is “minor” before inspections
  • Agreeing to repairs or settlements too quickly

Stick to facts, and let professionals determine cause, scope, and cost.

Why Choose X-Cel Restoration?

  • We are a Better Business Bureau A+ Rated Company 

  • We Provide 24/7 Live Operators

  • We Feature a 60-90 Minute Response Time

  • We empty uniformed, Drug Tested & Background Checked Professional Technicians

  • We Bill Directly to Insurance Companies

Need Complete Repair or Construction Services?

Turn to our sister company, F. Lax Construction, for more comprehensive restoration and/or construction services. Together with X-Cel Restoration, we bring over 20 years of the most advanced technologies and practices to quickly solve your emergency disaster problems.