Claim consulting
Hurricane & Catastrophe Claims
Hurricane and CAT claims handled with the documentation they actually require.
After a named storm, carriers move fast and scopes get thin. Wind-versus-flood causation, ALE, debris, code, and matching all become friction points. We help contractors, owners, and counsel build the file that holds up — from first inspection through supplement or appraisal.
Common signs the file needs a second look
- Wind damage reclassified as flood (or vice versa) without supporting analysis
- ALE, debris removal, or tarping disputed or undervalued
- Interior water intrusion attributed to maintenance instead of storm-created openings
- Large-loss commercial scope handled on a residential template
- Multiple adjusters, inconsistent scopes, no single source of truth
How we work the file
- Step 1
Causation & coverage review
Policy, weather data, and site evidence reconciled to a defensible cause-of-loss position.
- Step 2
Scope rebuild
Full Xactimate scope with pricing support, code, matching, and CAT-specific line items.
- Step 3
Supplement & scope support
We supplement the file, rebuild scope, and support the contractor or owner through carrier pushback.
Services typically engaged on these files
Same workflow, billed under the relevant service line.
- Cause of Loss & Causation Consulting$350/hr
Independent cause-of-loss and causation analysis for disputed claims — site evidence, manufacturer guidelines, and weather/event data tied to a defensible written opinion.
- Large-Loss & Commercial StrategyCustom Proposal
Strategic engagement for large-loss residential and commercial claims — scope development, documentation strategy, and carrier positioning. Scope and fees by proposal.
- Field Inspection & Site Consulting$350/hr + travel
On-site inspection with detailed documentation, photo reports, and findings to support your claim position.
- Supplement Strategy Consulting$250/hr
Strategic guidance on building, supporting, and submitting supplements to maximize a fair and complete claim outcome.
FAQ
- Do you handle commercial CAT losses?
- Yes. Commercial and large-loss residential are handled under a custom proposal — see Large-Loss & Commercial Strategy.
- Do you do appraisal or expert witness work?
- Those services are offered through our sister firm focused on appraisal, umpire, and litigation support. Reach out and we'll point you in the right direction.
Ready to have the file reviewed?
Book a consultation or contact us with the details of your loss.