About F&M Group Inc.

What We Do

About F&M Group Inc.

Welcome to F&M Group Inc, Your trusted partner in construction mitigation, restoration, and exterior transformations.
Located at 12750 Route 1, Suite 315 in Chester, Virginia 23831, and 2200 Old Williamsburg Rd Yorktown VA. 236901, our company boasts over 26 years of unparalleled experience in the Insurance Industry.

At F&M Group Inc., we understand that the key to successful mitigation and restoration lies in the meticulous initial inspection. Our seasoned professionals assess the damage to your home or commercial building, providing accurate estimates to allocate the necessary resources promptly. This proactive approach not only halts additional damage but sets the stage for a seamless restoration process.

Once mitigation, the essential damage identification process, is complete and estimates are reported to the Carrier, we swiftly move forward with the cleanup. Our commitment to efficiency ensures that an accurate restoration estimate is developed, bringing your home or building back to its pre-loss condition. This enables homeowners and business operators to return to normal living and operations without unnecessary delays.

With 26 years of industry expertise, F&M Group Inc. excels in coordinating projects from inception to completion. We collaborate closely with our clients and insurance Carriers, developing comprehensive scopes of work that guarantee a successful restoration journey.

As part of a Managed Repair Program, your Carrier has chosen our firm to represent them throughout the entire process. At F&M Group Inc., we serve as your dedicated one-stop resource, ensuring a swift return to normalcy.

Our commitment to excellence, coupled with years of experience, makes us the preferred choice for those seeking reliable and efficient exterior transformations, renovations, and restoration services.

Experience the difference with F&M Group Inc. – where quality meets expertise, and your satisfaction is our ultimate goal.

What We Do and The Process Of Mitigation Restoration Estimations

The Initial Assessment Phase

In the initial assessment phase, adjusters often don’t physically inspect the damage. Instead, they task us, the mitigation and restoration estimators, to evaluate the extent of the damage. I have been an adjuster for 19 years, and in such cases, we become the assigned mitigation/restoration firm for the carrier.

Our role involves handling the initial visit on behalf of the carrier. We connect with the desk adjuster, conduct an initial onsite assessment (if we are the first on the scene), and secure the necessary approvals to proceed with mitigating further damage. Subsequently, we generate the estimate for the carrier.

It’s crucial to note that the cause of loss is not covered by the insurance. Determining the cause of loss involves identifying what broke or triggered the larger issue. Once the cause of loss is established, the homeowner is responsible for covering the associated costs out of pocket. This expense is separate from the deductible, and no mitigation efforts can commence until the cause of loss is repaired.

Payment Responsibility

After the inspection, your insurance company will provide an estimate for repair costs. Often, this estimate is prepared by the assigned contractor (us). We share the estimate and photos with the carrier for their review and approval based on the visible damage today. However, some damages remain hidden. This is where our expertise in insurance mitigation and restoration proves invaluable.

If hidden damage is discovered

we follow a specific process to inform the carrier. Our firm often advocates for coverage of hidden damage, even if it wasn’t initially visible during the inspection and estimate phase.

The payment process varies, but typically the insurance company issues a check to you and your mortgage company. If you own your home outright, the check will be in your name only.

Choosing our firm means we take on the responsibility of obtaining the necessary endorsements from your mortgage company. We guide you through endorsing the check and working with our bank to clear mortgage endorsements promptly. This ensures your restoration can commence upon receipt of the insurance check, avoiding delays associated with the mortgage endorsement process.
In cases where we are assigned the loss, no additional estimates are needed, and we complete the work efficiently.


On the mitigation side, there are two scenarios: either we are sent to handle it or the homeowner chooses a different company. If we are assigned, the carrier covers our fee. If the homeowner selects another company, they are responsible for payment, and the carrier may or may not cover the bill. This highlights the importance of choosing wisely to avoid unexpected costs or coverage issues.

Before any work begins, we have the client sign a work authorization, which is then provided to the carrier, indicating the homeowner’s consent for us to perform mitigation or restoration.

Choosing a contractor becomes crucial after mitigation/emergency services. Regardless of who completes the repairs, the carrier pays only what the estimate states, plus any approved hidden damages. Our extensive experience working with carriers enables us to effectively communicate and negotiate hidden damages and code-related issues on your behalf.

After completing mitigation/restoration, many carriers withhold funds known as recoverable depreciation. Unlike other firms, we have a process that allows you to defer payment of recoverable depreciation until the carrier releases it, sparing you from upfront expenses.

While not a foolproof step-by-step guide, this overview serves as valuable information for anyone navigating a claim, helping them understand the process and avoid potential pitfalls.

Navigating the Insurance Claims Process for House Damage in Virginia: A Comprehensive Guide


Dealing with damage to your home can be a stressful experience, but having a clear understanding of the insurance claims process in Virginia can make the situation more manageable. This article will guide you through the essential steps, responsibilities, and considerations when filing an insurance claim for house damage in the state of Virginia.

Immediate Action:

The first step after discovering damage to your home is to contact your insurance company promptly. It’s crucial to report the incident as soon as possible to ensure a swift response and evaluation of the damages. Most insurance policies have a time limit for filing claims, so acting promptly is in your best interest.

Initial Assessment and Inspection:

Once you’ve filed a claim, an insurance adjuster will be assigned to assess the damage. They will schedule a visit to your property to inspect the extent of the loss. It’s essential to be present during this inspection to provide any necessary information and ensure all damages are documented accurately.

Deductibles and Coverage:

Understanding your insurance policy is key during this process. Your policy will outline the deductible amount you are responsible for paying before the insurance coverage kicks in. In Virginia, homeowners typically have the option to choose their deductible amount when purchasing a policy. Make sure you know your deductible and have that amount set aside for when repairs are initiated.

Responsibility for Payment:

After the inspection, your insurance company will provide an estimate for the cost of repairs. The payment process can vary, but generally, the insurance company will issue a check made out to you and your mortgage company. If you own your home outright, the check will be solely in your name. It’s crucial to communicate with your mortgage company to understand their specific requirements for endorsing the check.

Choosing a Repair Company:

You have the freedom to choose a repair company to fix the damages. It’s advisable to obtain multiple estimates from reputable contractors and share them with your insurance company. Once you’ve selected a repair company, ensure they provide a detailed written estimate that aligns with the insurance adjuster’s assessment. The repair company should be licensed and insured, and you should communicate directly with your insurance company about the chosen contractor.

Note from Above (Mitigation Section)
“If we are assigned, (F&M Group Inc.) the carrier covers our fee. If the homeowner selects another company, they are responsible for payment, and the carrier may or may not cover the bill. This highlights the importance of choosing wisely to avoid unexpected costs or coverage issues”.

Supplemental Claims:

In some cases, the initial insurance estimate might not cover all the repair costs. If additional damages are discovered during the repair process, you can file a supplemental claim with your insurance company. Keep all receipts and documentation related to the repairs, and notify your insurance company promptly if you need to file a supplemental claim.


Navigating the insurance claims process for house damage in Virginia involves clear communication, prompt action, and a thorough understanding of your insurance policy. By following the steps outlined in this guide, you can streamline the process and ensure that your home is restored to its pre-damage condition with minimal hassle. Remember to stay proactive, keep detailed records, and seek guidance from your insurance company whenever necessary.

Mitigation VS Restoration


  • Definition: Mitigation involves taking immediate actions to minimize the impact of a disaster or damage and prevent further deterioration.
  • Examples:
    • Water Damage Mitigation:
      • Emergency water extraction to prevent further saturation of building materials.
      • Installation of drying equipment, such as dehumidifiers and air movers.
      • Application of antimicrobial treatments to prevent mold growth.
    • Fire Damage Mitigation:
      • Boarding up windows and doors to secure the property.
      • Soot and smoke residue removal to prevent further damage.
      • Securing the structure to prevent unauthorized access.


  • Definition: Restoration is the process of returning a damaged property to its pre-loss condition through repairs and reconstruction.
  • Examples:
    • Water Damage Restoration:
      • Replacing damaged drywall, flooring, or insulation.
      • Repairing or replacing water-damaged electrical systems.
      • Repainting and finishing surfaces to match the original appearance.
    • Fire Damage Restoration:
      • Rebuilding structural elements damaged by fire.
      • Cleaning and restoring personal belongings affected by smoke and soot.
      • Restoring HVAC systems and ductwork affected by smoke and fire residues.

Mitigation focuses on immediate actions to minimize ongoing damage, while restoration involves the comprehensive process of repairing and rebuilding the property to its pre-damaged state. Both aspects are crucial for a successful and thorough response in the repair and restoration business.