The rebuild part of a fire claim, explained
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Or call (844) 543-5757 nowWritten for families and property owners heading into months of reconstruction. What it costs and who pays, how scope approval works, when to repair and when to rebuild, and who to bring in.
These guides describe how standard Washington policies usually handle the reconstruction part of a fire loss. Your policy language controls and your adjuster decides coverage.
What a fire rebuild costs & who pays
What drives the cost of rebuilding after a fire in the Puget Sound region, how the dwelling limit, extended replacement cost and ordinance-or-law coverage work, what you pay, and where the numbers usually go wrong.
ReadWorking with your adjuster on a rebuild
How scope approval works on a fire rebuild in Washington: the adjuster's estimate versus the contractor's, line-item reconciliation, supplements, draws, the mortgage servicer, and what to do when you disagree.
ReadRepair or rebuild?
How the decision between repairing a fire-damaged house and rebuilding it is made in Washington: engineering, charring, smoke penetration, code triggers, cost-to-repair versus cost-to-replace, and the policy's role.
ReadPublic adjusters
What a public adjuster does, what they cost, when they help on a Washington fire claim and when they do not, how to check a license, and the red flags at the scene of a fire.
ReadQuestions homeowners ask us
Can a contractor negotiate with my insurer for me?
The contractor writes the scope, meets the adjuster, answers line-item questions and revises; that is normal and expected. Representing you in a coverage dispute is what public adjusters and attorneys do. Nobody can promise an outcome.
Can a contractor waive my deductible?
No. Washington law prohibits it. The deductible is yours to pay as the policy states.
Questions about a rebuild scope? Ask.
Dispatch can put you in front of an estimator who has read hundreds of adjuster estimates. A straight answer before anyone rolls a truck.