The process
How an insurance rebuild works
Start to closeout, in plain language. No step is a surprise when you know the arc.
- Claim filedYou open the claim with your carrier and get a claim number. Everything references that number.
- Adjuster inspectionThe carrier's adjuster documents the loss. We can be on site for it — it keeps the scope honest from day one.
- Scope & estimateWe write the rebuild scope in Xactimate — the same software carriers price with — and reconcile line by line with the adjuster.
- Agreement on scopeCarrier, you, and us aligned on what gets rebuilt and for what amount. Then contracts, then work.
- SupplementsDemo reveals what walls hide. Documented supplements adjust the claim — normal on serious losses.
- BuildPermits, trades, inspections, a named coordinator, and dated photo updates the whole way.
- Closeout & warrantyFinal inspections, recoverable depreciation released, punch list at zero, warranty in writing.
Who pays what
- The carrier pays covered scope. You pay your policy deductible — by law we cannot pay, waive, or rebate it for you.
- Upgrades beyond covered scope are yours by choice, priced before you commit — "back on track, and better" is often cheapest mid-rebuild.
- Mortgage on the property? Checks may need endorsement — we help you start that early so it never stalls the schedule.
Common questions
- Who pays the contractor on an insurance rebuild?
- Your carrier pays for covered scope; you pay your deductible and any chosen upgrades. Funds usually flow through you (and your mortgage company) per your agreement.
- Do I have to use the contractor my insurance company suggests?
- No. In Colorado you choose your contractor — carrier vendor lists are optional.
- What is a supplement?
- A documented scope addition when hidden damage surfaces during work. Common, normal, and settled with the adjuster with your sign-off.