Vault
Bermuda-domiciled HNW carrier
Selective insurer for Greenwich estates. Direct billed; we provide Xactimate scopes and dry-down logs that meet their documentation requirements. 911 Storm is direct-billed by Vault for water, mold, fire, and storm damage restoration across Fairfield County, CT and Westchester County, NY. This page covers what to expect when filing a Vault water damage claim, typical timelines, and common coverage questions.
Vault products we direct-bill
- Direct-bills restoration contractors
- Available in CT + NY homeowner market
- Recognizes Xactimate-documented scopes
- Verify endorsements (water-backup, mold buy-up, code-upgrade) on declarations
- Document pre-loss condition to defeat wear-and-tear / gradual-leak arguments
- Confirm preferred-vendor obligation is convenience, not requirement
Common questions
Vault claim FAQ
Does Vault let me pick my own restoration contractor?
Yes. Free contractor choice — federal contract law and CT consumer protection. Most carriers operate a preferred-vendor network but do not require you to use it. We are direct-billed standard.
What's a typical Vault water damage claim timeline?
Initial FNOL: immediate. Adjuster assignment within 24-48 hours. On-site within 3-7 days for non-emergency, faster for active emergencies. Scope approval 5-10 days after submission with full Xactimate + IICRC documentation. Payment 7-14 days after approval.
What's the mold sublimit on a Vault policy?
Varies by product and tier — typically $5,000 to $25,000 default. Mold buy-up endorsements available to increase the sublimit. Verify on your declarations page. Mold coverage typically requires the underlying water cause to be sudden-and-accidental within the policy period.
Does Vault support direct billing?
Yes, for restoration contractors with established billing relationships. We bill all 18 carriers we list directly so the homeowner pays only the deductible and doesn't have to float the cost. Carrier reviews scope, approves, pays contractor on completion.
Other high-net-worth carriers we bill
Have a Vault water damage claim?
We'll bill Vault directly. 60-minute response across Fairfield County, CT and Westchester County, NY. You pay only your deductible.
Call (203) 604-2474Damage Doesn't Wait — Neither Do We
60-minute response. Free estimate. We handle your insurance claim.
IICRC Certified • Licensed & Insured • All Major Insurance Carriers