Tier 03 · Insurance & Property Recovery Consulting
Don't leave thousands of dollars on the table.
After a fire, a flood, a storm, or a vehicle through the front of the building, the estimate you receive is a starting position — not a final answer. We tell you what the building actually needs, in writing, before anyone starts repairs.
We are not public adjusters. We do not negotiate, adjust, or settle claims on your behalf, and we do not represent you to your insurance company.
What we do is establish the facts of the building. We provide documentation, estimating, planning, and owner representation — a written, defensible account of what a complete and code-compliant repair actually involves. If you need someone to negotiate the settlement itself, you want a licensed public adjuster, and we'll say so.
The problem
The estimate is written fast, by someone who wasn't there.
Adjusters carry heavy caseloads. Estimates get written from photographs, from a short walkthrough, or from a template. That's not necessarily bad faith — it's volume.
But the consequences land on you. Scope gets missed because it isn't visible in a photo. Code-required upgrades get omitted because nobody pulled the local requirements. Damage behind finished surfaces goes undocumented because nobody opened anything. Then repairs start, the real condition surfaces, and the money has already been allocated.
Missing scope
Work the building requires that never made it onto the estimate.
Unaccounted code
Current code requirements triggered by the repair, priced as if they weren't.
Undocumented damage
Conditions behind finishes that nobody opened up or photographed.
Wrong sequence
A repair plan that can't actually be built in the order it's written.
The review
What we go through.
Every one of these produces a written finding. You end up with a document, not a phone call you half-remember.
- Line-by-line estimate review
- Missing scope identification
- Code requirement review
- Supplement recommendations
- Photograph review
- Repair strategy
- Construction sequencing
- Budget analysis
- Written report
Packages
Three ways in.
Most people should start with the claim review. If it turns up nothing significant, you've spent $497 to find out you're in good shape — which is a reasonable thing to buy.
Claim Review
$497Start here. A focused review of what you were sent, against what the building needs.
- Line-by-line estimate review
- Missing scope identification
- Photograph review
- Written findings report
Complete Claim Strategy
$1,997The full picture, plus a plan for how the repair should actually be carried out.
- Everything in Claim Review
- Code requirement review
- Supplement recommendations
- Repair strategy and sequencing
- Budget analysis
Premium Representation
$3,500–$7,500+For large or contested losses where you need someone in the room throughout.
- Everything in Complete Claim Strategy
- Ongoing owner representation
- Contractor scope and bid review
- Meetings through the repair
- Documentation maintained start to finish
Who calls us
Property owners, not just homeowners.
Anyone responsible for a building that has been damaged and is about to be repaired with someone else's money.
Types of loss
Before you call
Have these ready.
None of it is required to make the first call. It just means we can get somewhere useful faster.
- The carrier's estimate or scope sheetMost useful
- Your declarations pageHelpful
- Photographs of the damageHelpful
- Any contractor bids you've receivedHelpful
- Correspondence with the adjusterIf disputed
- Date of loss and claim numberIf you have it
Before repairs begin, not after.
Once demolition starts and the money is committed, your options narrow fast. The time to know what's missing is now.