Pre-Claim Insurance Advisory

What it is

Independent, construction-fluent help for a board deciding what to do about property damage — before a claim is filed. We assess and document the damage, explain what a claim typically involves, lay out your options (claim, repair out of reserves, phased work), and help you walk into the conversation with your agent and attorney informed.

Where our lane ends: we do not negotiate claim value with an insurance carrier, and we don't take a percentage of any claim. That work belongs to licensed public adjusters and attorneys. Staying strictly advisory is what keeps our assessment credible — to you and to your carrier.

Who it's for

• Boards after a storm being pressured by door-knocking contractors to "sign here and we'll handle the insurance."
• Boards unsure whether damage is claim-worthy and worried about premiums, deductibles, and filing history.
• Associations with aging exteriors that need to separate storm damage from wear and deferred maintenance honestly.

How it works

• Damage assessment. A field inspection that documents what happened, where, and how badly — see our inspection report format.
• Plain-English briefing. What the damage means, what a claim process looks like, what your deductible and policy structure imply, and what questions to ask your agent.
• Options on paper. Claim vs. repair vs. wait, with the practical trade-offs of each, so the board can vote on a real comparison.
• Handoff and coordination. If you file, your documentation is ready, and we coordinate with your agent, attorney, or adjuster — advising the board, never negotiating for it. If the work proceeds, owner's representation picks up from there.