What Textiles Can Be Restored? A Textile Guide for Insurance Adjusters

When managing property loss claims, adjusters are often faced with a critical question: Should these damaged textiles be restored or replaced? The answer can impact not only the cost of the claim but also customer satisfaction and turnaround time.

At Renewal Claim Solutions, we work closely with insurance professionals to simplify these decisions. Here’s what you need to know.

Restoration vs. Replacement: What’s the Difference?

• Restoration: Professionally cleaning, decontaminating, and returning original textile items.
• Replacement: Providing funds or sourcing new items to match the damaged inventory.
  

When Textile Restoration Makes Sense

• Cost Savings: Textile restoration is often 30-70% cheaper than replacement. For example, restoring a $400 leather jacket may cost just $125.
• Sentimental Items: Restoring items like wedding dresses or heirloom quilts maintains irreplaceable emotional value.
• Time Efficiency: Restoration can take 7-14 days, while sourcing replacements may take weeks, especially for custom or high-end garments.
  

When Replacement Is the Better Call

• What is the item’s pre-loss value?
• Can it be safely restored?
• Is there emotional or historical value?
• What is the insured’s preference?
• Will restoration shorten the claim timeline?
  

How Renewal Claim Solutions Supports Adjusters

• Free Assessments: We evaluate restorability and provide honest, photo-documented recommendations.
• Inventory Management: Every item is tagged, tracked, and documented.
• Cost Transparency: Line-item pricing makes comparing costs easy.
• Fast Turnarounds: Priority service for adjusters needing quick resolutions.
  

Case Example

In a recent house fire claim, 120+ textile items were assessed. Renewal Claim Solutions successfully restored 85%, saving the carrier over $4,000 compared to replacement costs—and the insured got back their child’s favorite blanket, smoke-free.

Make the Right Call, Every Time
Textile restoration isn’t just about saving money—it’s about preserving what matters. With professional guidance from Renewal Claim Solutions, adjusters can make confident, data-backed decisions on every claim.

Want a free textile claim review? Contact Renewal Claim Solutions today.