Reconstruction · Fort Worth · DFW
The wall’s open. Now the real scope shows up.
Most disputes with insurance don’t happen on day one — they happen after demo, when what’s actually behind the drywall doesn’t match the original estimate.
817-632-2522
Tell us what happened
If water is still running or the house isn’t secure, call. Text photos to 817-632-2522.
Opened houses and a floor going back
Fort Worth residential guts, then Dallas Design District chevron going down.
Fort Worth — house opened to framing Dallas Design District — chevron hardwood going down Dallas Design District — nailer on the chevron install Dallas Design District — ride-on scraper pulling failed hardwood Dallas Design District — chevron layout start Dallas Design District — sealant on the chevron floor Fort Worth — flood-cut drywall Fort Worth — flood-cut wall with dehumidifier Fort Worth — charred rafters Fort Worth — ceiling opened during reconstruction Fort Worth — ceiling cavity opened
Walk through where the disagreement usually starts
- 01 Was the original estimate written before or after anything was opened up? A lot of first estimates are written from visible damage only — that’s not a scope, it’s a guess.
- 02 Did the adjuster’s estimate match what the contractor found once opened? If not, that gap needs to be documented with photos before the scope conversation.
- 03 Is the disagreement about whether something is damaged, or how it should be repaired? Different conversations — one is factual (is it wet/burned), one is a scope decision (repair vs. replace).
- 04 Do you have a second opinion on the estimate? Estimate review — a technical read of an insurance company’s scope before you sign off on it.
- 05 Is a structural engineer actually needed, or is this a documentation gap? Not every structural question needs an engineer — sometimes it needs better photos and moisture data.
The one thing most people don’t know
Insurance estimating software (Xactimate) generates line items based on what’s entered — if a contractor doesn’t document a damaged component, it never makes it into the estimate at all, even if it’s legitimately part of the covered loss. The estimate is only as complete as the documentation behind it.
Structural FAQs
What if my contractor and the insurance adjuster disagree on scope?
That’s normal on any loss beyond minor cosmetic damage — the resolution path is documentation, not argument. We build the file that supports the scope conversation. We don’t settle your claim.
Do I need an engineer’s report?
Only when structural integrity, not just repair scope, is in question — we’ll tell you honestly if you don’t need one.
Can I get a second opinion on an insurance estimate I already have?
Yes — send it for review.
Send the paper. Technical estimate review. We don’t settle the claim. Contractor vs public adjuster.