Insurance Restoration Services
Expert restoration contractor for commercial and industrial insurance claims in Tampa Bay. We work directly with adjusters on large-loss claims, providing comprehensive documentation and quality restoration.
Your Partner in Large-Loss Insurance Claims
Florida Construction Specialists stands at the forefront of insurance restoration in the wake of hurricanes and storms in Florida, backed by 43+ years of experience and a comprehensive network of professionals. With OSHA-certified safety associates on staff, our access to executive general adjusters, public adjusters, and attorneys positions us uniquely in managing and assessing large-loss claims with unmatched expertise.
We have personally overseen numerous significant claims, providing us with a deep understanding of the complexities involved in commercial, industrial, and residential insurance restorations. Our process encompasses everything from meticulous inspections to precise damage estimation, ensuring every aspect of the restoration is thoroughly addressed.
Our team is adept in handling the intricate challenges that come with insurance restoration, especially in the aftermath of Florida's frequent hurricanes and storms. We work closely with clients to manage every step of the process, from the initial inspection to the detailed estimation of repairs needed.
Schedule Emergency Consultation
Our Insurance Restoration Expertise
- Large-loss commercial claim management
- Direct adjuster coordination and negotiation
- Comprehensive damage documentation
- Emergency stabilization services
- Complete restoration to pre-loss condition
- Code compliance and upgrade documentation
Types of Insurance Claims We Handle
Florida Construction Specialists has extensive experience with all types of commercial property damage claims. Our team understands the unique documentation and restoration requirements for each damage type.
Hurricane & Wind Damage
Comprehensive restoration for properties damaged by Florida's hurricanes and tropical storms
Common Issues We Address
Our Approach
Immediate emergency response with temporary protection, followed by detailed damage assessment and comprehensive restoration planning. Our team has restored hundreds of commercial properties following major hurricanes including Ian, Irma, and Charley.
Water & Flood Damage
Complete water damage restoration from flooding, plumbing failures, and storm surge
Common Issues We Address
Our Approach
Rapid water extraction and drying services to minimize secondary damage, followed by complete structural restoration. We coordinate with specialized remediation contractors for mold and contamination issues.
Fire & Smoke Damage
Full restoration services for fire-damaged commercial properties
Common Issues We Address
Our Approach
Comprehensive damage assessment including hidden damage investigation, followed by complete reconstruction. Fire damage often requires code compliance upgrades, and our team ensures all work meets current building standards.
Vandalism & Theft Damage
Restoration and security improvements following criminal damage
Common Issues We Address
Our Approach
Rapid board-up and security services followed by complete restoration. We often incorporate security improvements into the restoration plan to prevent future incidents.
Vehicle Impact Damage
Structural restoration following vehicle collisions with buildings
Common Issues We Address
Our Approach
Immediate structural assessment to ensure building safety, followed by engineered repair solutions. Vehicle impacts often affect structural integrity beyond visible damage, requiring thorough investigation.
Our Insurance Restoration Process
From emergency response to final completion, our proven process ensures thorough documentation, efficient claim processing, and quality restoration that returns your property to pre-loss condition.
Emergency Response
0-24 Hours
Immediate stabilization to prevent further damage
Key Activities
Deliverables
Emergency stabilization complete, initial loss documentation, temporary protection in place
Damage Assessment
1-5 Days
Comprehensive evaluation of all damage for accurate claim documentation
Key Activities
Deliverables
Complete damage report, preliminary scope of work, initial cost estimate for carrier
Claim Documentation
5-14 Days
Preparation of comprehensive documentation for insurance claim
Key Activities
Deliverables
Complete claim package, detailed estimates, supporting documentation for carrier approval
Restoration Planning
2-4 Weeks
Detailed planning for efficient restoration execution
Key Activities
Deliverables
Approved restoration plan, project schedule, confirmed budget, permits secured
Restoration Execution
Varies by Scope
Quality construction to restore property to pre-loss condition
Key Activities
Deliverables
Property restored to pre-loss condition, all work inspected and approved
Project Closeout
1-2 Weeks
Final documentation and project completion
Key Activities
Deliverables
Project complete, all documentation delivered, warranties in place
Documentation for Successful Claims
Thorough documentation is critical for successful insurance claims. Our experienced team ensures comprehensive documentation at every stage, supporting fair claim settlements and efficient processing.
Initial Documentation
Critical documentation needed immediately after loss
- Date, time, and cause of loss
- Comprehensive photography of all damage
- Video documentation walkthrough
- List of damaged areas and systems
- Emergency services receipts
- Police or fire department reports if applicable
Claim Support Documentation
Documentation needed for claim processing
- Original construction drawings if available
- Previous repair or renovation records
- Property maintenance records
- Equipment and contents inventory
- Business income documentation for BI claims
- Lease agreements for tenant improvements
Restoration Documentation
Documentation maintained throughout restoration
- Daily progress photos and reports
- Change order documentation
- Material specifications and approvals
- Inspection records and approvals
- Subcontractor certifications and insurance
- Final as-built documentation
Working with Insurance Adjusters
Our decades of experience have built strong working relationships with adjusters at all levels. This collaborative approach facilitates efficient claim processing and fair settlements for our clients.
Staff Adjusters
Insurance company employees who handle claims directly
Our Approach
We provide clear, well-documented estimates that facilitate efficient claim processing. Our familiarity with carrier requirements and Xactimate estimating helps expedite approvals.
Independent Adjusters
Third-party adjusters contracted by carriers for claim handling
Our Approach
We coordinate closely with independent adjusters, providing access to the property and detailed documentation. Our professional approach builds trust and facilitates fair claim settlements.
Executive General Adjusters
Senior adjusters handling complex, large-loss claims
Our Approach
Our access to executive general adjusters provides additional expertise for complex claims. These relationships, developed over decades, help navigate challenging claim situations.
Public Adjusters
Adjusters who represent policyholders in claim negotiations
Our Approach
When clients engage public adjusters, we provide detailed estimates and documentation to support their advocacy. We work collaboratively while maintaining our role as restoration contractor.
Commercial Property Specializations
Different commercial property types present unique restoration challenges. Our experience across multiple sectors ensures we understand the specific requirements and considerations for your property type.
Office Buildings
- Tenant communication and coordination
- Business interruption minimization
- IT infrastructure protection and restoration
- HVAC system restoration
- Common area vs. tenant space responsibilities
- ADA compliance during restoration
Retail & Restaurants
- Rapid restoration to minimize revenue loss
- Health department coordination for food service
- Customer experience during restoration
- Signage and storefront restoration
- Equipment and fixture replacement
- Inventory and contents coordination
Industrial & Warehouse
- Large-scale structural repairs
- Specialized equipment protection
- Loading dock and logistics access
- Hazardous material considerations
- Fire suppression system restoration
- Production timeline impacts
Condominiums & HOAs
- Common element vs. unit owner responsibilities
- Multiple unit coordination
- Association communication requirements
- Reserve fund considerations
- Milestone inspection compliance during repairs
- Resident safety and access
Healthcare Facilities
- Patient safety and care continuity
- Infection control during construction
- HIPAA compliance for documentation
- Specialized system restoration (medical gas, etc.)
- Regulatory compliance requirements
- Equipment and pharmaceutical protection
Why Choose FCS for Insurance Restoration?
With over four decades of experience and a comprehensive network of industry professionals, Florida Construction Specialists provides unmatched expertise in large-loss commercial insurance claims.
43+ Years Experience
Decades of Florida hurricane and storm restoration expertise.
Adjuster Network
Direct access to executive general adjusters for complex claims.
Complete Documentation
Thorough documentation that supports fair claim settlements.
24/7 Response
Emergency response teams available around the clock.
Insurance Restoration FAQs
Florida Construction Specialists provides 24/7 emergency response for commercial properties. For large loss situations, we can typically have a team on-site within hours to begin stabilization, including emergency board-up, tarping, and water extraction to prevent further damage.
Yes, we have extensive experience working with insurance adjusters at all levels, including staff adjusters, independent adjusters, and executive general adjusters for complex large-loss claims. We provide detailed documentation and estimates that facilitate efficient claim processing and fair settlements.
FCS specializes in large-loss commercial and industrial insurance claims, typically ranging from $500,000 to several million dollars. Our experience with complex claims and our relationships with executive general adjusters make us particularly effective for substantial commercial losses.
Timeline varies significantly based on damage extent and claim complexity. Emergency stabilization is immediate. Claim documentation typically takes 1-2 weeks. Restoration planning requires 2-4 weeks including permits. Construction duration depends on scope—from a few weeks for limited damage to several months for major restoration.
While we cannot provide legal advice, our detailed documentation and professional estimates often support successful claim appeals. We can provide additional documentation, attend re-inspections with adjusters, and coordinate with public adjusters or attorneys that clients may engage.
Yes, FCS provides complete restoration services from structural repairs to final finishes. We manage the entire restoration process, coordinating all trades and specialties to return your property to pre-loss condition, including any required code upgrades.
Hidden damage is common, especially with water intrusion. We document all supplemental damage with photos and detailed estimates, coordinate with the adjuster for approval, and proceed only after authorization. Our thorough initial assessment helps minimize surprises.
Yes, all restoration work meets current Florida Building Code requirements. When damage triggers code upgrades beyond the original construction, we document these requirements for inclusion in the insurance claim. Code upgrades are often covered under 'Ordinance or Law' coverage.
Need Emergency Restoration Services?
Contact Florida Construction Specialists for immediate emergency response. Our team is available 24/7 to help stabilize your property and begin the restoration process.