If the original damage event is covered, the structural rebuild is typically covered as part of the same claim. We document the rebuild scope as part of the original loss documentation, so the carrier approves mitigation and rebuild together rather than as separate claims requiring separate approvals.

In most cases, yes. We document the original materials, flooring, trim profiles, and paint colors during the initial scope so the rebuild matches what was there. For materials that are discontinued or impossible to match exactly, we present the closest available options for homeowner approval before installation.

Core rebuild trades, including framing repair, drywall, flooring, finish carpentry, and paint, are handled by our in house team. For specialty trades like complex electrical, plumbing, or HVAC replacement, we coordinate licensed subcontractors as part of the same scope and bill through the same insurance claim.

Yes. The rebuild phase is often the right time to upgrade flooring, trim, paint colors, or cabinetry. Insurance covers replacement at like for like value, and any upgrades above that value are paid by the homeowner directly. We document the original specification and the upgrade specification separately so insurance is billed correctly.

Hidden damage uncovered during demolition or framing repair is documented as a supplement to the original claim. We provide photos, scope notes, and IICRC aligned reports to the adjuster so the additional work is approved before it proceeds. The homeowner is not responsible for negotiating with the carrier