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Scope of loss development
A complete, defensible scope built from inspection, measurements and photo documentation.
Insurance Building Consultant: Scope, Causation and Repair Cost
Building consulting on contested and complex property losses: scope of loss development, roofing and building envelope evaluation, code and ordinance requirements, repair versus replace analysis, and reconciliation of competing estimates.
Scope of lossBuilding envelopeCode and ordinanceRepair versus replaceEstimate reconciliation
Who we serve
- Carriers and TPAs
- Independent adjusting firms
- Engineering firms
- Counsel
- Public entities
Scope that holds up in appraisal and litigation
Most property disputes are scope disputes. Was the roof damaged by this storm or by age? Does the code require more than a like-kind repair? Can the cladding be matched, or does the whole elevation have to come off? The answers set the value of the claim long before anyone argues about price.
After the 2020 hurricane that struck Gulf Shores and Orange Beach, the firm’s principal and his team served as building consultants to an engineering firm, assessing dozens of high-rise condominium complexes from Fort Morgan to Panama City; the largest carried approximately $85 million in estimated damage. More than twenty years of property ownership and IICRC water restoration certification add practical repair cost knowledge. Where a structural or engineering opinion is required, the firm works alongside licensed engineers rather than in place of them.
Credentials behind the work
DesignationExecutive General Adjuster
Experience25+ years P&C catastrophe
PerformanceTop 5%: quality, cycle time, service
NFIPRCBAP, commercial, HO, MH
LicenseTexas DHS, reciprocal
EstimatingXactimate, Cotality Estimate
Services
Building consulting services
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Roofing and building envelope evaluation
Roofing, cladding, fenestration and water intrusion evaluated to separate storm damage from wear, deferred maintenance and prior conditions.
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Code and ordinance or law
Identification of code-required upgrades that drive repair cost and the coverage that may apply to them.
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Repair versus replace and matching
Constructability, repairability and matching analysis for roofs, siding and interior finishes.
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Estimate reconciliation
Line-by-line reconciliation of competing contractor, public adjuster and carrier estimates.
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Water and mitigation review
Review of drying documentation and mitigation invoices against IICRC standards.
How it works
How a building consulting assignment runs
STEP 1
Intake
File, estimates and the question to answer.
STEP 2
Inspect
Field inspection with measurements and photos.
STEP 3
Analyze
Causation, code and repair method.
STEP 4
Report
Written scope and findings with evidence.
STEP 5
Support
Appraisal, mediation or testimony support if needed.
Questions
Frequently asked questions
Q01
Is the firm an engineering firm?
No. The firm provides building and repair consulting from an adjusting and construction cost perspective, and works alongside licensed engineers when an engineering opinion is required.
Q02
What property types does the firm handle?
Single-family, multi-family, condominium and high-rise associations, retail, office, industrial and public buildings.
Q03
Can the work be used in appraisal or litigation?
Yes. Reports are written to hold up in appraisal and litigation. Testifying engagements run through the expert witness practice.
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Related services and guides
Have a contested scope?
Send the loss location, the competing estimates and the question you need answered.