Insurance Claims Process Support
Navigate the insurance restoration process with a contractor who spent 43 years in the insurance industry. We understand claims from both sides and ensure you receive fair compensation for your property damage.
Insurance Industry Experience on Your Side
Most contractors have experience filing insurance claims. Frank Bragano has 43 years of experience processing them. His career began in 1982 as a commercial property adjuster for Allstate, handling everything from small business claims to large commercial losses. He later served as an Executive General Adjuster with CJW-Vericlaim (now Sedgwick), managing catastrophe response teams and overseeing millions in claims.
This background means we understand what insurance companies need to approve claims, how adjusters evaluate damage, what documentation supports higher settlements, and where claims commonly get underpaid. We don't approach insurance as an adversary—we approach it as a process that works best when everyone has accurate information.
Understanding the Claims Process
Property insurance claims follow a predictable process, but outcomes vary dramatically based on documentation, scope accuracy, and effective communication. The claim begins when you report loss to your carrier. They assign an adjuster who inspects the property, determines coverage, and develops an initial estimate. This initial estimate often forms the basis for negotiations.
The challenge is that initial estimates are prepared before restoration begins— before walls are opened, before systems are tested, before hidden damage is revealed. That's why the supplement process exists. When additional damage is discovered during repairs, contractors submit supplement requests with documentation. Well-documented supplements are typically approved; poorly documented ones are denied.
Our Role in Your Claim
We begin by thoroughly documenting existing damage—photographs, moisture readings, measurements, and detailed written descriptions. This documentation supports your claim from first report through final payment. We develop comprehensive repair scopes using Xactimate, the same estimating software most carriers use, ensuring apples-to-apples comparison.
When your adjuster inspects, we're there to walk the property together. We point out damage that might be missed, explain repair methods, and ensure the adjuster understands the full scope needed for proper restoration. This collaborative approach typically results in better initial estimates and fewer disputes.
Insurance Claims Support Services
Comprehensive support throughout the insurance restoration process, from initial documentation through final settlement.
Damage Documentation
Comprehensive photo and video documentation, measurements, and written descriptions that support your claim from initial filing through final settlement.
Xactimate Estimating
Industry-standard estimates using the same software your insurance company uses, ensuring accurate scope and pricing alignment.
Adjuster Meetings
We meet with your adjuster, walk the property together, identify all damage, and advocate for complete scope recognition.
Supplement Preparation
When additional damage is discovered, we document and submit supplement claims with supporting evidence for approval.
Code Upgrade Documentation
Identify and document code-required improvements for inclusion in your claim under ordinance or law coverage.
Dispute Resolution Support
If claim disputes arise, we provide documentation and expert testimony for appraisal or litigation support.
The Insurance Restoration Process
Report Loss to Your Insurance
Contact your insurance company to report the loss. Get a claim number and assigned adjuster contact information.
Contact FCS for Assessment
We assess damage, document conditions, and develop a comprehensive scope—ideally before the adjuster visit.
Joint Adjuster Inspection
We meet with your adjuster, walk the property together, and ensure all damage is identified and documented.
Estimate Comparison & Negotiation
Compare adjuster's estimate with our assessment. Negotiate discrepancies with supporting documentation.
Begin Restoration Work
Once scope is agreed, restoration begins. We document all work and photograph hidden damage as discovered.
Supplement Claims as Needed
Submit supplement claims for additional damage discovered during restoration, with full documentation.
Final Inspection & Payment
Complete restoration, final walkthrough, and collect any remaining claim payments including recoverable depreciation.
Insurance Claims FAQs
Common questions about insurance restoration claims, the process, and how we support property owners.
Frequently Asked Questions
Our principal, Frank Bragano, spent 43 years in the insurance industry, including 7 years as a commercial adjuster for Allstate and later as an Executive General Adjuster handling catastrophe claims. This unique background means we understand both sides of the claims process—how adjusters evaluate damage, what documentation they need, and how to ensure claims are properly valued.
No. We provide comprehensive estimates as part of our service. In fact, getting contractor estimates before understanding your policy coverage can create confusion. We assess damage, develop detailed scopes, and price them using industry-standard methods (Xactimate) that insurance companies recognize. This ensures alignment between our estimate and what insurers expect.
Yes, we encourage joint inspections with your adjuster. Having us present ensures all damage is identified and documented. We can point out issues that might be overlooked and provide context on repair methods. This collaborative approach typically results in more accurate initial claim valuations and fewer disputes.
A supplement is a request for additional payment when hidden damage is discovered during repairs, when the original scope was insufficient, or when code upgrades are required. Supplements are common in restoration work—hidden damage is often revealed only when walls are opened or systems are tested. We document and submit supplements throughout the project as needed.
We use Xactimate, the same software most insurance companies use for estimating. This creates apples-to-apples comparisons and reduces pricing disputes. Xactimate pricing reflects local market rates and includes overhead and profit appropriate for general contractor work. Using industry-standard methods expedites claim approval.
Low estimates are common. We review your insurer's estimate against our assessment, identify discrepancies, and provide documentation supporting our scope. If negotiations don't resolve differences, the policy provides for appraisal—a neutral process where independent appraisers determine fair value. We can recommend experienced appraisers and provide supporting documentation.
Overhead and profit (O&P) compensates general contractors for project management, coordination, liability, and business operations—typically 10% each. Insurance companies sometimes exclude O&P on simpler claims. However, when multiple trades are required or repairs are complex, O&P is industry-standard and should be included. We advocate for appropriate O&P inclusion.
Florida Building Code evolves, and repairs may require upgrades beyond original construction. Most policies include coverage for code-required upgrades (often called 'ordinance or law' coverage). When repairs trigger code compliance requirements—electrical panel upgrades, window replacements, structural improvements—we document these for inclusion in your claim.
Actual Cash Value (ACV) policies pay depreciated value—what damaged items are worth today. Replacement Cost Value (RCV) policies pay to replace with new materials of like kind and quality, typically in two payments: initial ACV payment, then recoverable depreciation after repairs complete. RCV provides better coverage but requires proof of completed repairs to collect full value.
Timeline varies by claim complexity and carrier. Florida law requires insurers to acknowledge claims within 14 days, make coverage decisions within 90 days, and pay undisputed amounts promptly. Simple claims may settle in 30-60 days. Complex claims involving supplements and disputes can extend 6-12 months. We work to expedite the process while ensuring full claim value.
Get Expert Insurance Claim Support
Don't navigate the insurance claims process alone. Contact FCS for expert guidance, thorough documentation, and advocacy to ensure you receive fair compensation for your property damage.
822 Bayview Dr, Ruskin, FL 33579