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Insurance Reconstruction

LEARN ABOUT INSURANCE RECONSTRUCTION

What is Insurance Reconstruction?

Insurance reconstruction is the process of repairing or rebuilding a property after catastrophic damage from a covered event such as fire, water, storm, or other disasters. The work is coordinated with your insurance claim to restore your home to its pre-loss condition.

~ Do you work directly with insurance companies?

Yes. We regularly work with insurance carriers and adjusters, helping provide estimates, documentation, and communication needed to move your claim forward efficiently.

~ Is reconstruction work covered by a warranty?

Yes. Our workmanship is covered by a warranty, and manufacturer warranties apply to materials used in the rebuild.

Frequently Asked Questions

Yes. While we don’t act as your insurance adjuster, we assist by:

  • Advocating for you, our customer. The Insurance adjuster is an advocate for the insurance company
  • Providing detailed repair estimates
  • Answering construction-related questions from the adjuster
  • Identifying damage that may not be immediately visible or is missing from claims

We handle reconstruction from:

  • Fire and smoke damage
  • Water and flood damage (where covered)
  • Storm, wind, and hail damage
  • Mold remediation followed by rebuild
  • Structural and interior repairs
  • This is common. If additional damage is discovered during reconstruction, we submit supplements with proper documentation to the insurance company for review.
  • We are also familiar with local costs that may not be apparent to adjusters brought in from other areas of the country for a large scale natural disaster

Timelines vary depending on the extent of damage, material availability, and insurance approvals. Smaller projects may take weeks, while major rebuilds can take several months. We provide a clear schedule once the scope is approved.

Yes. Insurance reconstruction is designed to restore your home to its pre-loss condition, using materials and methods approved by your policy and local building codes.

Upgrades are possible. Any costs above what insurance covers are typically the homeowner’s responsibility, and we’ll clearly outline those options before work begins.

How Do I Get Started?

Contact us to schedule a consultation. We'll discuss your goals, budget, timeline, and next steps to bring your custom home to life.

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