Insurance Claim Restoration That Doesn’t Stall at the Carrier
Xactimate-priced rebuilds for storm, fire, water, and impact losses across Southwest Florida — written, scoped, and closed out the way carriers expect to see them.
A claim doesn’t pay until the contractor scope makes the carrier comfortable
Adjusters approve scopes that are documented, defensible, and priced in their software. Hand them a one-page bid scribbled on a contractor letterhead and the supplement gets denied. Hand them an Xactimate estimate with photos, code references, and clean line items and the conversation is short. We work the rebuild side of insurance claims for property owners across Southwest Florida — preparing scopes the way carriers want them, sitting down with adjusters to align before construction starts, and producing the closeout package that releases final payment. The result is fewer rounds of paperwork, faster cash flow, and a building that’s actually finished.
What insurance claim restoration includes
- Loss inspection with photos, moisture readings, and written scope summary
- Xactimate estimate matched line-for-line to the carrier’s software
- On-site adjuster meeting to align scope before any work starts
- Supplement support for hidden conditions, code upgrades, and pricing gaps
- Permitting and code-compliant rebuild across all damaged trades
- ACV/RCV reconciliation guidance (without giving insurance advice)
- Mortgage company coordination for joint checks and depreciation release
- Certificate of completion, lien releases, and clean closeout file
Our insurance claim restoration process
- 01
Document the loss
Inspection, photos, moisture readings, and a written summary suitable for your carrier file.
- 02
Price in Xactimate
Line-item estimate using the same software your adjuster uses, with current SWFL pricing.
- 03
Meet the adjuster
Site meeting to walk the loss together and align scope before construction begins.
- 04
Rebuild and close out
Permitted construction, supplements as needed, and a closeout package for final payment.
Why owners use us on insurance work
Xactimate-fluent estimating
CBC 1258403 — full Florida CBC
Decades of claims work, not a new offering
Insurance claim restoration — common questions
Are you a public adjuster?
No — and we won’t act as one. Public adjusting is a regulated profession with separate licensing. We’re the contractor: we scope, document, and rebuild. If you want a public adjuster, we’ll work alongside one you choose.
Can you bill my insurance company directly?
Insurance pays the policyholder; the policyholder pays the contractor. We can be paid by joint check from your carrier and mortgage company when one is involved. We don’t carry the insurance receivable for you.
What is Xactimate and why does it matter?
Xactimate is the line-item estimating software most major US carriers use to price property claims. When a contractor writes the estimate in the same software, supplements move faster and scope arguments shrink.
My deductible is huge. Is the claim still worth it?
Run the math: if the rebuild scope clearly exceeds your deductible (often the case with hurricane and major water losses), the claim is worth filing. We’ll inspect and tell you what we see before you commit.
What does code upgrade coverage do?
Ordinance & Law (Coverage L) pays for upgrades the current building code requires that weren’t in the original building — like impact windows in a re-roof scenario. Whether you have it depends on your policy declarations.
Will you give me advice on what to claim?
We won’t advise on coverage — that’s your agent or a public adjuster’s job. We will tell you what’s damaged, what code requires, and what it will cost to rebuild. You decide what to put in the claim.
Related Services
Got an open claim that isn’t moving? Let’s look at the scope.
Free on-site inspection. We hand you an Xactimate estimate your carrier will recognize.