Catastrophic losses involve multiple trades, sequencing, and operational decisions. Without structure, scopes drift and timelines suffer.
Initial estimates often focus on the most visible damage and miss related components, secondary impacts, or system-level requirements that affect proper repairs.
Photos, measurements, and notes may not fully capture the extent of the damage, how it occurred, or how far it extends beyond obvious areas.
Coverage decisions depend on how damage is classified and documented. When policy language isn’t applied consistently, scope and payment disputes follow.
Document the Loss
Complete inspection and photo documentation of all damage, including impacts, collateral items, and secondary effects.
Align the Scope
Ensure the estimate reflects system requirements, code compliance, and full repair needs.
Tie to Policy
Match documented damage to policy language and coverage provisions clearly.
Handle the Carrier
Manage all communication and negotiation with the insurance company directly.
Keep It Consistent
Maintain clear documentation and consistent explanations throughout the process.
Early involvement helps when losses are large, involve multiple trades, or affect timelines and operations. Clear documentation early in the process reduces scope disputes later.
Large losses require structured documentation, coordinated scopes, and consistent communication. Organization prevents conflicting assessments and keeps the claim from drifting.
Timelines improve when documentation is complete and communication is consistent. While some delays are unavoidable, clarity reduces unnecessary back-and-forth.
