What rebuilds look like here
Wood-stove and chimney fires in rural housing, shop and garage fires on larger properties, and second homes where a fire burned longer before anyone noticed make Kitsap rebuilds larger per incident; longer fire department response in rural districts means more fire damage and more water. Board-up reaches Kitsap via the Narrows or Agate Pass the same night; the estimator follows the next morning, and permits run through the county's Department of Community Development and the cities.
From board-up to move-in
Secure the same night; assess and scope the next morning; mitigate and clean; approve the scope with code upgrades and owner upgrades separated; permits and engineering; rebuild in sequence with inspections; close out with contents returned and depreciation released. One contractor, one schedule, one claim file.
When you call
The dispatcher asks whether the fire department has released the house, whether utilities are off and whether you can stay there, routes a board-up crew the same night and an estimator the next morning, and tells you the contractor's name and L&I registration number before arrival. On covered claims the contractor bills your insurer directly and you pay your deductible.
