Xactimate-Based Estimating
We build estimates in Xactimate, the same industry-standard platform used by insurance carriers.
Repairs & Reconstruction
After mitigation or remediation is complete, the rebuild phase begins. Insurance carriers typically treat mitigation and reconstruction as separate parts of the claim, which means scope, pricing, and approvals must be handled correctly before repairs start. We guide homeowners step-by-step through this process with clear expectations and full coordination.
How Insurance Separates Claims
- Mitigation/remediation is one portion: Emergency dry-out, cleanup, and stabilization are typically handled first.
- Repairs/rebuild is a separate portion: Reconstruction scope is reviewed and approved as its own phase.
- A new repair estimate is required: Rebuild costs must be written and submitted for carrier review and scope agreement.
Our Estimate & Negotiation Process
Standardized Pricing Framework
Pricing follows established line-item standards to support transparent review and defensible scope decisions.
Scope Agreement First
Alignment on scope is critical before repairs begin, so we submit complete detail for carrier evaluation.
Carrier Review & Negotiation
Negotiation is normal. We respond with detailed clarifications, documentation, and applicable standards when needed.
Variable Carrier Timelines
Approval speed differs by carrier and claim complexity, and we keep progress moving through follow-up communication.
Timeline & Start of Work
Approval Timelines Vary
Carrier review duration depends on claim volume, complexity, and internal processes.
Materials Ordered After Scope Approval
Once scope agreement is finalized, ordering and scheduling are initiated immediately.
Work Starts Shortly After Approval
In most cases, reconstruction begins promptly after final authorization and procurement setup.
End-to-End Coordination
We manage sequencing, trade coordination, and milestone progression from start to finish.
Communication Standards
- Consistent homeowner updates: You receive progress communication at key milestones.
- Carrier communication maintained: We stay in contact with the insurer throughout scope and build phases.
- Clear expectations: We explain next steps so you always know what is happening and why.
Material Selection & Upgrades
- Selections begin after scope approval: Base-scope materials are aligned to approved claim coverage.
- Upgrades are available: Homeowners can choose upgrade options after base scope agreement.
- Full-scope coordination is preferred: Managing mitigation and reconstruction together supports better quality control and scheduling efficiency.