What is the difference between large loss and standard restoration?

Standard restoration typically involves a single property, one adjuster, a small crew, and a timeline of days to a few weeks. Large loss operates at a fundamentally different scale: multiple crews working simultaneously, dedicated project managers, industrial-grade equipment (truck-mounted extractors, desiccant dehumidifiers, generators), coordination with multiple insurance carriers, engineering consultants, and environmental specialists. Large loss projects often involve phased restoration in occupied buildings, daily stakeholder briefings, and documentation packages running thousands of pages.

What is a CAT (catastrophe) response?

CAT response refers to the mobilization and deployment of restoration resources during or immediately after a regional catastrophe event — typically a hurricane, tornado, or widespread severe weather. CAT-capable companies pre-stage equipment and crews near the projected impact zone and deploy within hours of the event. A CAT response may involve managing dozens of properties simultaneously across a wide geographic area, coordinating with multiple insurance carriers, and operating self-sufficiently (bringing fuel, food, lodging, and satellite communications) because local infrastructure is often down.

How do you manage a large loss project with multiple buildings or floors?

We assign a dedicated large loss project manager who serves as the single point of contact and coordinates all activities. The project is divided into zones or phases — often floor-by-floor or building-by-building. Multiple crews work simultaneously under the PM, who manages schedules, subcontractors, daily reports, and stakeholder communication. We hold daily briefings with the property owner, insurance adjuster, and any consultants. This phased approach allows partial operations to continue in unaffected areas while restoration proceeds.

How long does a large loss restoration project take?

Timelines vary dramatically by scope. Emergency mitigation (water extraction, board-up, stabilization) typically takes 1 to 2 weeks. Structural drying may take 2 to 4 weeks for large facilities. Full restoration and reconstruction ranges from 3 to 12 months depending on damage extent, building size, insurance approval timelines, permit processing, and material availability. We provide detailed project schedules with milestones at the outset and update them weekly as conditions evolve.

What documentation do you provide on large loss projects?

Large loss documentation is comprehensive and carrier-ready from day one. It includes initial damage assessment reports with photos and video, moisture mapping data across all affected areas, equipment deployment logs with serial numbers and runtime, daily field reports documenting crews on site and work completed, Xactimate estimates matching the adjuster's format, change order documentation with approval trails, and final completion reports. This level of documentation is essential for multi-carrier claims and business interruption substantiation.

How do daily reports actually reach the adjuster — and how fast?

Daily field reports are drafted by the project manager in the afternoon as crews wrap up on-site. Reports include crew roster, hours worked, equipment runtime, work completed, moisture readings, photos, and next-day plan. Reports are reviewed, finalized, and auto-distributed by email to the adjuster, policyholder, and any other stakeholders by 6 PM local time the same day. On TPA programs, reports upload directly into the program portal. Distribution logs are retained for claim-dispute defensibility — we can prove exactly when a report was delivered and to whom.

How do you handle large loss claims with multiple insurance carriers?

Large loss events frequently involve multiple policies — property, contents, business interruption, flood, and wind may each be with different carriers. We maintain separate documentation streams for each policy, coordinate site visits with multiple adjusters, and submit scope-specific estimates in each carrier's required format. Our estimators write Xactimate line items that align precisely with each adjuster's system. We also facilitate joint inspections when multiple adjusters need to be on-site simultaneously.

Do you work with Third Party Administrators (TPAs)?

Yes. Many major insurance carriers use TPAs for large property claims. We are experienced with TPA program requirements including predetermined Xactimate pricing, strict service level agreements for response times and reporting, standardized documentation formats, and regular status updates. Our internal processes mirror TPA requirements even on non-program work because it enforces the consistency and efficiency that large loss projects demand.

How does business interruption coverage interact with large loss restoration?

Business interruption (BI) coverage compensates for lost income and continuing expenses during the restoration period. The faster we complete restoration, the shorter the BI claim period — which benefits both the property owner and the insurer. We document the restoration timeline meticulously because it directly affects BI calculations. Forensic accountants may request our daily logs, schedules, and delay documentation to substantiate the claim. We also identify opportunities to use "extra expense" coverage to accelerate restoration when the insurance math supports it.

How do you handle supplements when hidden damage is found weeks into a project?

Supplements are a normal part of large loss work — hidden damage behind walls, above ceilings, or inside mechanical systems is often discovered during selective demolition. When we find additional damage, we stop work in the affected area, document the new damage with timestamped photos and test data, draft a formal supplement in Xactimate, and submit it to the adjuster within five business days. We follow up until we receive written disposition before resuming work. Verbal approvals are converted to written documentation before billing. This discipline protects the claim from later disputes.

What carriers and TPAs do you work with most frequently?

We hold pre-approved vendor status with the major TPAs — Sedgwick, Crawford & Company, and Gallagher Bassett — and maintain direct working relationships with adjusters from Chubb, AIG, Travelers, Liberty Mutual, Zurich, The Hartford, CNA, FM Global, and Nationwide, among others. Program-level engagement means pre-negotiated rate schedules, direct portal integration with XactAnalysis, Sedgwick viaOne, Crawford ClaimsCenter, and GB Luminos, and tracked SLA compliance. Even on non-program claims, our internal processes mirror TPA-grade documentation standards because the consistency benefits every claim.

What equipment do you deploy for large loss projects?

Our large loss equipment fleet includes truck-mounted water extractors for rapid high-volume extraction, trailer-mounted desiccant dehumidifiers that process thousands of cubic feet per hour, arrays of commercial air movers for large floor plates, portable generators for temporary power when utilities are down, thermal imaging cameras and commercial moisture meters for building-wide assessment, negative air machines with HEPA filtration for containment, and a fleet of service vehicles for multi-site deployment. We own this equipment — we do not depend on rental availability during disaster surges.

Can you handle restoration during occupied building operations?

Yes. Many large losses occur in buildings that cannot fully shut down — hospitals, senior living facilities, occupied apartment buildings, and active commercial offices. We implement phased restoration with containment barriers, negative air machines to prevent cross-contamination, off-hours scheduling for disruptive work, maintained egress and access routes, and clear communication with occupants. We have experience coordinating with facility managers to keep critical operations running while restoration proceeds in adjacent zones.

What does Emergency Response Plan (ERP) enrollment cost?

ERP enrollment is typically $1,500 to $7,500 annually depending on portfolio size, property count, and risk profile. That covers pre-walk documentation of your properties, pre-arranged pricing for emergency response and mitigation, guaranteed priority dispatch during catastrophe events, a dedicated account manager familiar with your sites, and a digital binder of building plans, emergency contacts, and utility shutoffs our crews can access instantly during a response. For portfolio managers in hurricane-prone markets, ERP pays for itself the first time a CAT event hits — during widespread disasters when everyone needs help, ERP clients are serviced first.

LARGE LOSS & CATASTROPHE RESPONSE

When the Scope Exceeds Ordinary, We Scale to Meet It

Catastrophic damage demands more than standard restoration. Palm Build deploys industrial equipment, experienced project managers, and multi-crew operations for disasters exceeding $100K — from single-building losses to regional catastrophe events.

Contact Large Loss Team View Capabilities

$100K+

Large Loss Threshold

24/7

CAT Team Mobilization

FL & NC

Multi-State Coverage

500+

Large Loss Projects

Beyond Ordinary Restoration

Large loss events overwhelm standard restoration. We exist for exactly these situations.

A "large loss" is any disaster big enough to require special resources, extended timelines, and coordination beyond what a typical contractor can provide. Whether you're facing a catastrophic hurricane event, a major commercial fire, or widespread flooding affecting multiple buildings, our large loss team brings industrial-scale equipment, experienced project managers, and the capacity to deploy multiple crews immediately. For properties requiring full rebuild, we transition directly into reconstruction under the same project manager.

Projects typically exceeding $100,000 in scope
Multi-building, multi-floor, or campus-wide events
Industrial equipment for rapid mitigation at scale
Dedicated project managers for complex coordination
Multi-carrier insurance claim experience
CAT team mobilization for regional disasters

The First 2 Hours

What To Do Right Now

Catastrophic damage compounds faster than residential losses. Every hour without industrial-scale response increases total project cost by 10-20%. Four critical moves in the first two hours.

Evacuate and Secure

Ensure all occupants and personnel are safe and accounted for. Shut off utilities if accessible without entering compromised areas. Establish a perimeter — do not allow anyone into structurally damaged zones until engineering assessment is complete.

Life safety before property

Document Everything

Before anyone touches the property, photograph and video every angle — exterior damage, interior rooms, roof lines, mechanical systems. Wide shots and close-ups. This baseline documentation is the foundation of your insurance claim and will be worth tens of thousands in adjuster negotiations.

Photos protect your claim

Activate Your Emergency Team

Large losses exceed what a single contractor can manage. Call a restoration company with CAT-level resources — industrial equipment, multiple crews, and project managers who handle $100K+ scopes daily. Delays of even 12 hours compound damage exponentially at this scale.

Scale demands specialists

Notify Your Insurance Carrier

File the claim immediately and request a large loss adjuster — standard desk adjusters are not equipped for six- and seven-figure scopes. Provide your initial documentation. A restoration partner experienced in large loss claims can coordinate directly with the carrier from hour one.

Request a large loss adjuster

Large losses don't wait

24/7 CAT team dispatch across FL, NC, and SC. We mobilize industrial equipment and multi-crew operations for disasters exceeding $100K.

(888) 245-5155 Contact Large Loss Team

Loss Scale Taxonomy

What "Large Loss" Actually Means in Dollars

The restoration industry uses tiered thresholds to define large loss work. Each tier triggers different crew sizes, equipment fleets, carrier workflows, and timeline expectations. Knowing your tier shapes the entire project from day one.

$500K

Median Project Value

typical large loss across our portfolio

$3M+

Owned Fleet Value

equipment and vehicles, not rental-dependent

30+

Max Concurrent Sites

simultaneous projects during major CAT events

Attribute

Standard Commercial

$100K – $250K

Large Loss

$250K – $1M

Catastrophe

$1M – $5M

Major CAT

$5M+

Crew Deployment

2 – 4 technicians, single supervisor

5 – 10 technicians, dedicated PM

10 – 25 technicians, PM + field supervisor

25+ technicians, rotating shifts, multiple PMs

Equipment Profile

10 – 20 air movers, 2 – 4 dehus, 1 portable extractor

20 – 50 air movers, 4 – 8 dehus, truck-mount extractor, thermal imaging

Desiccant trailers, multiple truck-mounts, 80+ air movers, generators

Full fleet deployment, 200+ air movers, desiccant trailers, 40+ HEPA, self-sufficient ops

Mitigation + Rebuild Timeline

1 – 3 weeks mitigation, 4 – 8 weeks rebuild

3 – 6 weeks mitigation, 3 – 6 months rebuild

6 – 12 weeks mitigation, 6 – 12 months rebuild

12+ weeks mitigation, 12 – 24+ months rebuild

Carrier Involvement

Single adjuster, standard claim flow

Large-loss adjuster, supplements likely, Xactimate ESX required

TPA-directed, daily reporting, forensic accountant likely

Program-level TPA, attorney involvement possible, BI claims central

Sample Claims

Sprinkler discharge in a 10K sq ft office
Single-unit condo fire
Restaurant kitchen fire

Multi-unit apartment water loss
Warehouse roof collapse
School fire damage

Multi-building apartment complex fire
Hurricane-damaged resort property
Manufacturing plant flood

Regional hurricane with multi-site portfolio
Historic district fire
High-rise sprinkler cascade

Standard Commercial

$100K – $250K

Crews: 2 – 4 technicians, single supervisor
Equipment: 10 – 20 air movers, 2 – 4 dehus, 1 portable extractor
Timeline: 1 – 3 weeks mitigation, 4 – 8 weeks rebuild
Carrier Level: Single adjuster, standard claim flow

Large Loss

$250K – $1M

Crews: 5 – 10 technicians, dedicated PM
Equipment: 20 – 50 air movers, 4 – 8 dehus, truck-mount extractor, thermal imaging
Timeline: 3 – 6 weeks mitigation, 3 – 6 months rebuild
Carrier Level: Large-loss adjuster, supplements likely, Xactimate ESX required

Catastrophe

$1M – $5M

Crews: 10 – 25 technicians, PM + field supervisor
Equipment: Desiccant trailers, multiple truck-mounts, 80+ air movers, generators
Timeline: 6 – 12 weeks mitigation, 6 – 12 months rebuild
Carrier Level: TPA-directed, daily reporting, forensic accountant likely

Major CAT

$5M+

Crews: 25+ technicians, rotating shifts, multiple PMs
Equipment: Full fleet deployment, 200+ air movers, desiccant trailers, 40+ HEPA, self-sufficient ops
Timeline: 12+ weeks mitigation, 12 – 24+ months rebuild
Carrier Level: Program-level TPA, attorney involvement possible, BI claims central

See the Response Process Commercial Large Loss Detail

When You Need Large Loss Services

What Qualifies as a Large Loss Project?

Large loss typically refers to damage exceeding $100,000 in scope, multi-building events, or projects requiring specialized resources, multi-crew coordination, engineering consultants, and complex project management that standard restoration cannot address.

Multi-story building flooding disaster requiring large loss restoration

Major Water Events

Flooding affecting multiple floors or buildings, burst main water lines, sprinkler system failures, or catastrophic pipe failures requiring industrial extraction and multi-crew response.

Multi-story floodingMain water line breaksSprinkler system failuresStorm surge intrusion

Large commercial building fire damage requiring major restoration

Significant Fire Damage

Large-scale fire damage requiring structural engineering assessment, multi-phase restoration, environmental testing, and coordination with fire investigators and insurance carriers.

Commercial building firesMulti-unit residential firesIndustrial facility firesWarehouse fires

Hurricane damage to large commercial facility

Catastrophic Storm Damage

Hurricane, tornado, or severe storm damage affecting entire properties or multiple locations simultaneously. Requires rapid mobilization, emergency tarping, and coordinated multi-site response.

Hurricane damageTornado impactSevere wind damageHail damage to large facilities

Storm damage affecting multiple buildings in corporate campus

Multi-Location Events

Disasters affecting multiple properties requiring coordinated response teams, centralized project management, and standardized documentation across locations.

Portfolio-wide damageRegional disaster responseMulti-site coordinationCorporate campus damage

Not Sure If Your Project Qualifies?

Call us at (888) 245-5155 for a rapid assessment. Our large loss coordinators can evaluate your situation and recommend the appropriate response level within minutes.

Capability Overview

Large Loss Capability Matrix

A professional overview of our capacity at every scale — from single-property losses to regional catastrophe events requiring multi-site coordination.

Service	Single Property	Multi-Unit	Campus / Complex	Regional CAT Event
Water Extraction & Drying	Standard crew	Multiple crews, industrial extractors	Truck-mounted + desiccant dehumidifiers	Full fleet deployment, multi-site
Fire & Smoke Restoration	Standard scope	Engineering assessment + phased	Multi-building, environmental testing	Coordinated with investigators
Mold Remediation	Containment + HEPA	Multi-zone containment	Building-wide protocols, IH oversight	Regional surge, post-storm mold
Reconstruction	In-house GC	Phased rebuild, permit management	Multi-building, code upgrades	Full-scale reconstruction program
Contents & Pack-Out	Standard inventory	Unit-by-unit inventory	Warehouse storage, cataloging	Mass pack-out, secure logistics
Emergency Board-Up	Same-day	Multi-crew, priority dispatch	Building-by-building triage	Pre-staged materials, rapid deploy

Equipment Specs & Deployment

Beyond the Counts: GPM, CFM, and Deployment Recipes

Counting "200+ air movers" tells you scale, not capability. Large loss decisions hinge on hard specs — gallons per minute, cubic feet per minute, pints per day, kilowatts — and on knowing exactly which fleet recipe matches the scenario in front of you.

Large loss equipment fleet staged for deployment

Industrial drying equipment deployed at large loss site

Category	Representative Model	Specs	Fleet Qty	Typical Use
Truck-Mount Extractors	HydraMaster CDS 4.8	12 GPM flow, 350 CFM vacuum, 230°F heat	8 units	High-volume standing water removal, Cat 3 black-water response
Desiccant Dehumidifier Trailers	Phoenix DesiccantMax 400	5,500 CFM process air, 75 lb/hr moisture removal	4 trailers	Large-footprint drying (20K+ sq ft), cold environments, tight timelines
LGR Commercial Dehumidifiers	Dri-Eaz LGR 7000XLi	240 PPD at AHAM, 235 CFM	50+ units	Precision drying of contained spaces, Cat 2 / 3 events
High-Velocity Air Movers	Phoenix Axial Air Mover	3,400 CFM airflow, low-amp draw	200+ units	Broad-area evaporation across multi-floor deployments
HEPA Air Scrubbers	Abatement Predator 750	750 CFM HEPA filtration, 0.3μm rating	40+ units	Containment, Cat 3 microbial response, mold abatement
Portable Generators	Multiquip DCA-70USI	56 kW prime, Tier 4 final, sound-attenuated	12 units	Utility-down scenarios during CAT events, off-grid sites

Truck-Mount Extractors

8 units

Model: HydraMaster CDS 4.8
Specs: 12 GPM flow, 350 CFM vacuum, 230°F heat
Use case: High-volume standing water removal, Cat 3 black-water response

Desiccant Dehumidifier Trailers

4 trailers

Model: Phoenix DesiccantMax 400
Specs: 5,500 CFM process air, 75 lb/hr moisture removal
Use case: Large-footprint drying (20K+ sq ft), cold environments, tight timelines

LGR Commercial Dehumidifiers

50+ units

Model: Dri-Eaz LGR 7000XLi
Specs: 240 PPD at AHAM, 235 CFM
Use case: Precision drying of contained spaces, Cat 2 / 3 events

High-Velocity Air Movers

200+ units

Model: Phoenix Axial Air Mover
Specs: 3,400 CFM airflow, low-amp draw
Use case: Broad-area evaporation across multi-floor deployments

HEPA Air Scrubbers

40+ units

Model: Abatement Predator 750
Specs: 750 CFM HEPA filtration, 0.3μm rating
Use case: Containment, Cat 3 microbial response, mold abatement

Portable Generators

12 units

Model: Multiquip DCA-70USI
Specs: 56 kW prime, Tier 4 final, sound-attenuated
Use case: Utility-down scenarios during CAT events, off-grid sites

Fleet Deployment Recipes

Single Commercial Loss

$250K – $1M

1 truck-mount extractor, 20 air movers, 4 LGR dehus, 2 HEPA scrubbers, 1 generator

Multi-Building Complex

$1M – $5M

2 truck-mounts, 80 air movers, 12 LGR dehus, 8 HEPA scrubbers, 1 desiccant trailer, 3 generators

CAT Event (Regional)

$5M+

Full fleet deployment: all truck-mounts, 200+ air movers, all LGR units + 4 desiccant trailers, 40 HEPA scrubbers, 12 generators, self-sufficient support package

Full Capability Matrix Structural Drying Detail

2026 Large Loss Cost Guide

How Much Does Large Loss Restoration Cost?

Large loss restoration typically starts at $100,000 and can exceed $5 million for multi-structure catastrophe events. The primary cost drivers are damage type, affected square footage, number of structures, environmental hazards, and reconstruction complexity. Palm Build provides Xactimate-based scoping using the same platform your insurance carrier uses — so estimates align from day one.

Large loss threshold

$100K+

Multi-crew, multi-phase scope

Avg catastrophic claim

$280K

2026 multi-peril residential

Max single-event scope

$5M+

Multi-structure CAT deployment

Cost by damage type and scale

Every large loss is unique, but these ranges reflect 2026 Xactimate pricing across Palm Build's project history in Florida, North Carolina, and South Carolina.

Catastrophic water event

Multi-floor pipe burst, sprinkler discharge, or sewage backup affecting 10,000+ sq ft with structural saturation

Typical range

$100K - $500K

Phases: Emergency extraction, industrial drying (50+ dehu/air mover sets), selective demo, rebuild

Major structural fire

Multi-room or multi-story fire with smoke migration, structural compromise, and contents loss across the building

Typical range

$150K - $1.2M

Phases: Board-up, hazmat abatement, structural demo, smoke remediation, full reconstruction

Hurricane / CAT event

Wind and water intrusion across multiple structures, roof loss, flooding, and debris impact requiring regional deployment

Typical range

$250K - $5M+

Phases: Emergency tarping, water extraction, mold prevention, phased reconstruction across structures

Multi-building commercial

Campus, HOA complex, or multi-tenant commercial property with simultaneous damage across buildings

Typical range

$200K - $3M+

Phases: Parallel mitigation crews, phased occupancy management, multi-carrier coordination

Cost allocation by restoration phase
Phase	What it includes	% of total	Timeline
Emergency response & stabilization	Board-up, tarping, emergency extraction, hazmat assessment, power/generator setup, temporary climate control	15-25%	Hours 0-48
Mitigation & environmental	Industrial drying, smoke/soot remediation, mold prevention, asbestos/lead abatement, contents pack-out	20-35%	Days 2-21
Selective demolition	Structural tear-out, contaminated material removal, environmental clearance testing, engineering assessments	10-15%	Weeks 2-6
Reconstruction & finish	Structural framing, MEP rough-in, drywall, flooring, cabinetry, paint, fixtures, final inspections	30-45%	Weeks 4-26+

Phase percentages shift based on damage severity and reconstruction scope. Fire losses allocate more to demolition and environmental; water losses allocate more to mitigation and drying. Multi-structure events add 10-20% for coordination and logistics overhead.

Regional pricing: Florida, North Carolina, South Carolina

Florida

South FL / Tampa metro

$120K - $2.5M avg

Hurricane frequency drives demand surges that spike material and labor costs 20-40% during CAT events. Flood vs wind deductible splits add claims complexity. Post-2024 insurance reform affects carrier response timelines.

North Carolina

Charlotte / Western NC

$100K - $1.8M avg

Winter freeze events and mountain flooding create concentrated large losses. Lower labor rates offset longer mobilization distances. State licensing requirements add compliance overhead to multi-trade reconstruction.

South Carolina

Coastal + Upstate

$110K - $2.2M avg

Coastal hurricane exposure combined with aging building stock increases structural reconstruction scope. Multi-carrier coordination across HOA complexes is common. State wind/hail pool adds claims-handling complexity.

Need a large loss scope assessment?

Our project managers provide detailed Xactimate-based estimates for losses exceeding $100K

Contact Large Loss Team

Our Large Loss Response Process

From Mobilization to Close-Out

Large loss projects follow a structured 7-phase process designed to control complexity, maintain documentation standards, and deliver predictable outcomes on high-stakes, extended-timeline restorations.

Mobilization

Hours 1-6

Crew deployment, equipment staging, logistics coordination. Self-sufficient teams mobilize with generators, fuel, and supplies. For CAT events, pre-staged resources deploy from positions near the impact zone.

Crew deployment Equipment staging Supply logistics Travel coordination

Site Assessment & Stabilization

Hours 6-24

Comprehensive damage assessment across all affected areas. Emergency stabilization begins immediately — water extraction, board-up, shoring, utility isolation. Thermal imaging and moisture mapping establish baseline.

Damage assessment Emergency board-up Water extraction Moisture mapping

Scope Development & Insurance Coordination

Days 1-5

Detailed Xactimate estimates developed. Initial adjuster walkthrough scheduled. Multiple carrier coordination begins for complex claims. Scope document establishes the foundation for project approval.

Xactimate estimates Adjuster walkthrough Carrier coordination Scope documentation

Mitigation at Scale

Days 1-30+

Multiple crews operating simultaneously across zones. Industrial drying, decontamination, and selective demolition proceed 24/7 when needed. Phased approach allows partial operations in occupied buildings.

Multi-crew operations 24/7 drying Selective demolition Phased restoration

Project Management & Daily Reporting

Ongoing

Dedicated project manager coordinates all trades, subcontractors, and stakeholders. Daily progress reports with photos, moisture data, and crew logs. Weekly stakeholder briefings keep all parties aligned.

Daily reports Moisture logs Budget tracking Stakeholder briefings

Reconstruction Planning & Execution

Weeks to Months

Seamless transition from mitigation to reconstruction. Permits, engineering, and trade coordination managed under one project manager. Phased rebuild allows partial occupancy where possible.

Permit management Trade coordination Phased rebuild Code compliance

Close-Out & Final Documentation

Final Phase

Building inspections, air quality clearance, and certificate of completion. Final documentation package compiled for insurance records — including complete photo history, moisture logs, and financial reconciliation.

Building inspections Air quality clearance Final billing Documentation package

Timelines vary by scope. Minor large losses may complete in 4-8 weeks. Major multi-building catastrophe events can span 6-12 months. We provide detailed project schedules with milestones at the outset.

Phased Execution Framework

12-Week Gantt View of a Real Large Loss Project

Large loss timelines are not sequential checklists — they are overlapping workflows choreographed by a project manager. This is what the calendar actually looks like across 12 weeks of mitigation through close-out.

Week 1

Week 2

Week 3

Week 4

Week 5

Week 6

Week 7

Week 8

Week 9

Week 10

Week 11

Week 12

Emergency Stabilization w1–2

Scope & Insurance Coordination w1–3

Selective Demolition & Dry-Out w2–4

Decontamination & Environmental w3–5

Reconstruction Planning w4–6

Structural Rebuild w5–9

Finishes & Punchlist w8–11

Close-Out & Documentation w10–12

Emergency Stabilization

w1–2

Extraction, board-up, temporary power, moisture control. The clock starts the moment we get the call.

Scope & Insurance Coordination

w1–3

Adjuster walkthroughs, Xactimate writeups, carrier approvals. Runs in parallel with stabilization.

Selective Demolition & Dry-Out

w2–4

Controlled demo, structural drying to S500 standard, daily moisture logging.

Decontamination & Environmental

w3–5

Mold prevention, antimicrobial treatment, environmental testing and clearance documentation.

Reconstruction Planning

w4–6

Permits, material procurement, subcontractor scheduling, trade sequencing.

Structural Rebuild

w5–9

Framing, electrical, plumbing, HVAC, drywall, insulation. Multi-trade coordination under one PM.

Finishes & Punchlist

w8–11

Paint, flooring, trim, fixtures, punchlist closeout, owner walkthroughs.

Close-Out & Documentation

w10–12

Final certifications, lien waivers, document package delivery. Warranty period starts at handover.

Emergency Stabilization

Week 1–2

Extraction, board-up, temporary power, moisture control. The clock starts the moment we get the call.

Scope & Insurance Coordination

Week 1–3

Adjuster walkthroughs, Xactimate writeups, carrier approvals. Runs in parallel with stabilization.

Selective Demolition & Dry-Out

Week 2–4

Controlled demo, structural drying to S500 standard, daily moisture logging.

Decontamination & Environmental

Week 3–5

Mold prevention, antimicrobial treatment, environmental testing and clearance documentation.

Reconstruction Planning

Week 4–6

Permits, material procurement, subcontractor scheduling, trade sequencing.

Structural Rebuild

Week 5–9

Framing, electrical, plumbing, HVAC, drywall, insulation. Multi-trade coordination under one PM.

Finishes & Punchlist

Week 8–11

Paint, flooring, trim, fixtures, punchlist closeout, owner walkthroughs.

Close-Out & Documentation

Week 10–12

Final certifications, lien waivers, document package delivery. Warranty period starts at handover.

Why the overlap matters: Overlap is intentional — parallel workflows compress total calendar days. A 12-week sequential project compresses to 8 – 10 weeks when scope, decontamination, and rebuild planning run concurrently rather than sequentially.

Step-by-Step Process Detail Reconstruction Services

Catastrophe (CAT) Event Response

When Disaster Strikes a Region, Not Just a Building

Catastrophe events like hurricanes affect hundreds of properties simultaneously. Responding at this scale requires pre-planned deployment strategies, self-sufficient teams, and the organizational capacity to manage dozens of large loss projects concurrently across a wide geographic area.

Catastrophe response staging area with restoration fleet preparing for deployment

CAT staging area — equipment and crews pre-positioned for rapid deployment

Discuss CAT Response Capabilities

Storm Tracking & Pre-Staging

We monitor storm tracks and stage equipment and crews outside the projected impact zone days before landfall. When winds die down, we mobilize within hours — not days.

Self-Sufficient Deployment

CAT teams deploy with generators, fuel, satellite communications, food, and lodging. We do not depend on local infrastructure that is likely down after a regional disaster.

Multi-State Coverage

Offices in Florida and North Carolina with coverage extending to South Carolina, Georgia, Tennessee, and Texas. Partner networks provide additional surge capacity nationwide.

Multi-Property Triage

After a hurricane, we may run dozens of projects concurrently. Triage protocols prioritize critical sites — hospitals, occupied buildings, revenue-generating properties — while less critical sites queue behind.

Logistics & Supply Chain

Pre-arranged fuel contracts, material supply agreements, and lodging reservations. We truck in our own supplies and maintain equipment independently during extended deployments.

Multi-Carrier Coordination

In widespread disasters, different properties are insured by different carriers. We coordinate with numerous adjusters simultaneously, maintaining carrier-specific documentation for each site.

Pre-Staged

Equipment positioned during hurricane season

12-24 hrs

Full mobilization for multi-state CAT events

Dozens

Concurrent projects managed during CAT events

Named Storm Protocol

The 7 Phases of a Hurricane CAT Response

Hurricane response is a temporal protocol, not a checklist. From the moment a storm enters the cone of uncertainty to the final demobilization weeks after landfall, every decision is shaped by the clock. This is how Palm Build runs a named-storm CAT response from staging through reset.

Hurricane CAT staging deployment with restoration trucks pre-positioned outside the impact zone

Pre-landfall staging — equipment and fuel trailers positioned outside the projected cone of impact.

Pre-Landfall Staging

T-72 to T-48 hrs

Track the storm cone, convoy equipment to staging areas outside the projected impact zone, and pre-position fuel trailers, generators, truck-mounts, and desiccant trailers. Crew lodging is confirmed on the safe side of the storm before landfall.

Post-Landfall Assessment Grid

T+6 to T+24 hrs

Once roads are passable, sweep teams enter assigned zones and grid-categorize every claim property by severity (red / yellow / green), structural safety, and access. Data flows into the dispatch matrix in real time.

Priority Dispatch

T+12 to T+72 hrs

Emergency stabilization rolls out by priority — hospitals, occupied residential, revenue-critical commercial, then secondary sites. Tarping, board-up, extraction, and temporary power deploy on 24/7 shifts.

FEMA & Carrier Coordination

Day 2 – Day 14

Document disaster declaration status, coordinate with FEMA and SBA inspectors where applicable, and notify carriers of CAT-scale claims. Expedited authorizations and emergency scope approvals unlock faster mitigation.

Debris Management

Day 3 – Day 21

Coordinate debris hauling, C&D disposal, hazmat segregation, and right-of-way staging per local emergency ordinances. Many municipalities waive tip fees for CAT debris — documented separately for claim reimbursement.

Multi-Property Triage Handoff

Day 5 – Day 30

As stabilized properties hand off to reconstruction, new intake replaces them in the queue. PMs maintain emergency response at newly assessed sites without losing sight of stabilized ones.

Demobilization & Reset

Day 14 – Day 45

As the emergency phase winds down, surge crews and rental gear return home. Core PM teams remain for reconstruction. A full after-action review captures lessons for next-season readiness.

Hurricane Catastrophe Response Detail Storm & Hurricane Damage Pillar

Large Loss Scenarios We Handle

Every Large Loss Is Different. We've Managed Them All.

Each scenario below requires capabilities beyond standard restoration — specialized equipment, multi-crew coordination, complex insurance handling, and experienced project management.

Aerial view of hurricane damage across multiple condominium buildings

Hurricane Damage to Multiple Properties

Scope: Portfolio-wide roof damage, water intrusion, debris removal across 10+ buildings. Multiple insurance carriers, displaced tenants, and emergency temporary repairs.

What makes it large loss: Requires CAT deployment, multi-site triage, and coordination with multiple adjusters simultaneously.

Related service details

Multi-story building with water cascading through stairwell from sprinkler system failure

Multi-Story Commercial Water Damage

Scope: Sprinkler activation or pipe failure on upper floors, water cascading through 10-20 floors. Server rooms, tenant improvements, and common areas affected.

What makes it large loss: Industrial extraction at scale, floor-by-floor drying, occupied building phasing, and business interruption coordination.

Related service details

Restoration crew in protective gear working in fire-damaged commercial warehouse

Large Fire & Smoke Damage

Scope: Hotel, apartment complex, or warehouse fire affecting 50,000+ sq ft. Structural compromise, environmental testing, contents pack-out, and complete reconstruction.

What makes it large loss: Engineering assessment, fire investigator coordination, environmental clearance, and phased multi-trade reconstruction.

Related service details

Industrial warehouse with fire damage and restoration equipment staged

Industrial Facility Incident

Scope: Manufacturing plant or warehouse with equipment damage, chemical residues, hazardous materials, and production line interruption. Environmental compliance required.

What makes it large loss: HAZWOPER-trained crews, environmental consultants, equipment decontamination, and production timeline coordination.

Related service details

University campus with storm damage across multiple buildings and restoration vehicles on site

Campus-Wide Event

Scope: University, corporate campus, or hospital complex with weather or water damage affecting multiple buildings. Occupied spaces, critical operations, and tight deadlines.

What makes it large loss: Phased restoration in occupied facilities, stakeholder communication protocols, and deadline-driven scheduling.

Related service details

Multi-Structure Coordination

When the Loss Spans HOAs, Condos, Campuses & Mixed-Use Buildings

Multi-structure restoration is fundamentally a coordination problem, not a technical one. Occupants, tenants, board members, facility managers, and property managers all have priorities — and the project schedule has to absorb every one of them without missing a milestone.

Multi-building hallway with drying equipment staged in a coordinated corridor strategy

Corridor & Stack Strategy

In multi-unit buildings, we work in corridors and vertical stacks to avoid disturbing unaffected units. Containment barriers and negative-air machines isolate work zones from occupied areas while drying proceeds.

Aerial view of multi-building apartment complex undergoing phased restoration

Phased Unit Access Protocol

Unit access is scheduled 48 hours in advance with written occupant notifications. The PM coordinates with property managers for master-key access, and vacant units are worked first to minimize occupant disruption.

Multi-building apartment restoration with relocation coordination

Displacement & Relocation Logistics

When units are uninhabitable, we coordinate with ALE (Additional Living Expense) coverage providers, document ALE expenses for claim reimbursement, and maintain occupant communication through the displacement period.

Restored multi-building apartment complex post-restoration

Occupant Communication Cadence

Weekly resident email updates, posted corridor notices for daily work plans, and a dedicated resident hotline. Clear communication reduces complaints and accelerates restoration timeline.

Coordination Matrix by Property Type

Scenario	Primary Contact	Uniquely Difficult	Our Solution
HOA / Condo Association	Board President + Property Manager	Common-area vs. unit-owner policy boundary	Scope split at policy boundary, joint adjuster walkthrough on both sides
Apartment Complex	Property Manager	ALE coverage and tenant relocation logistics	ALE coordination, unit-by-unit relocation tracking, displaced-tenant communication plan
Commercial Campus	Facility Manager	Keeping operations running during mitigation	Off-hours work, phased zone access, full containment with negative air
Mixed-Use Development	Master Owner + Tenants	Competing stakeholder priorities, multi-tenant scheduling	Weekly stakeholder standup with all parties, unified project schedule

HOA / Condo Association

Primary contact: Board President + Property Manager
Uniquely difficult: Common-area vs. unit-owner policy boundary
Our solution: Scope split at policy boundary, joint adjuster walkthrough on both sides

Apartment Complex

Primary contact: Property Manager
Uniquely difficult: ALE coverage and tenant relocation logistics
Our solution: ALE coordination, unit-by-unit relocation tracking, displaced-tenant communication plan

Commercial Campus

Primary contact: Facility Manager
Uniquely difficult: Keeping operations running during mitigation
Our solution: Off-hours work, phased zone access, full containment with negative air

Mixed-Use Development

Primary contact: Master Owner + Tenants
Uniquely difficult: Competing stakeholder priorities, multi-tenant scheduling
Our solution: Weekly stakeholder standup with all parties, unified project schedule

Multi-Building Restoration Detail HOA Services

Project Management & Documentation

Controlling Complexity at Scale

Handling a large loss is as much an organizational challenge as a technical one. The difference between a project that stalls and one that instills confidence is rigorous project management, relentless communication, and documentation that can withstand any level of scrutiny.

Large loss project manager at command center with multiple monitors and building plans

Dedicated command center for large loss project coordination and real-time monitoring.

Dedicated Large Loss Project Manager

Every large loss receives a dedicated PM who serves as your single point of contact. They coordinate all trades, manage subcontractors, maintain the schedule, and handle insurance communication. You deal with one person — they deal with everything else.

Daily Progress Reports

Structured daily reports document crews on site, work completed, equipment deployed, and upcoming activities. Executive summaries are distributed to all stakeholders each evening so decisions happen in real time, not weeks later.

Photo & Video Documentation

Time-stamped photographic evidence of all damage, demolition, and restoration progress — organized by location and date. Before, during, and after photos for every affected area create an indisputable record for insurance and legal purposes.

Moisture Mapping at Scale

Building-wide moisture readings recorded daily across all affected areas using thermal imaging and commercial moisture meters. Data tracks drying progress, identifies problem areas, and provides the documentation adjusters need to verify mitigation effectiveness.

Budget Tracking & Scope Management

Real-time budget tracking against the approved scope. Change orders are documented with photos and justification, then submitted for adjuster approval before execution. No scope creep, no billing surprises.

Stakeholder Communication Protocols

Structured communication cadence: daily reports, weekly stakeholder briefings, and milestone meetings with adjusters. In occupied buildings, tenant notifications and access coordination ensure minimal disruption to ongoing operations.

Audit-Grade Documentation

Chain of Custody for High-Value Claims

Beyond the dedicated PM and daily reports, high-value claims require an audit-grade documentation chain. Forensic accountants, SIU investigators, and litigation attorneys can scrutinize every photo, every moisture reading, and every distribution log months — sometimes years — after the project closes. This is the digital infrastructure that holds up to that scrutiny.

Organized documentation binders for a high-value large loss claim

Carrier-ready documentation package — every photo, log, and report linked through a verified chain of custody.

Timestamp Chain Initiation

Every moisture reading, photo, and report is timestamped server-side within 60 seconds of capture. Offline captures queue locally and sync when connectivity restores — timestamps are GPS and network-verified, not just device-clock.

Photo Audit Trail with EXIF

All photos retain original EXIF metadata: capture time, GPS, device, orientation. Photos are hash-signed and uploaded to cold storage immediately. The hash chain lets carriers and SIUs confirm no photo was altered post-capture.

Content Inventory Protocol

Contents pack-out uses barcoded tracking labels on every box. Item-level inventory captured with photo + category + condition note. Restoration, cleaning, and storage are logged per item for full chain-of-custody documentation.

Daily Report Distribution Log

Daily field reports auto-distribute to adjuster, policyholder, PM, and carrier SIU where applicable. The distribution log records email delivery, timestamps, and recipient confirmation for claim-dispute defensibility.

Carrier SIU-Ready Package

On claims over $250K, Special Investigations Units may review the documentation package. Our packages meet insurance fraud prevention standards: hash-verified photos, GPS-stamped moisture data, time-locked daily reports, and the full chain-of-custody log.

audit-log.txt

// Sample chain-of-custody excerpt

Timestamp	Action
2026-03-14 07:42:16 EST	Moisture reading — Unit 314, wall cavity Tech J. Morales → 28.4% WME
2026-03-14 07:43:02 EST	Photo captured — Unit 314 IR thermal Tech J. Morales → SHA-256 verified
2026-03-14 08:15:44 EST	Daily report drafted PM K. Reyes → Draft v1
2026-03-14 18:00:00 EST	Daily report distributed System → 4 recipients, all delivered

// SHA-256 chain hash: a7e9...c4f1

Sample 4-event excerpt from a real chain-of-custody log

Insurance Restoration Process Contents Restoration Sample Claim Walkthrough

Working With Insurance on Large Losses

Complex Claims Require Specialized Coordination

Large loss insurance claims involve more parties, more documentation, more scrutiny, and more money than standard claims. Adjusters, TPAs, forensic accountants, and sometimes attorneys all interact with the restoration process. We have the administrative capacity and experience to keep the claim moving.

Multi-Carrier Coordination

Large losses often involve separate property, contents, flood, wind, and business interruption policies — sometimes with different carriers. We maintain separate documentation streams and coordinate site visits with multiple adjusters simultaneously.

TPA Program Experience

We work within Third Party Administrator frameworks including predetermined Xactimate pricing, strict SLAs for response and reporting, and standardized documentation formats. Our internal processes mirror TPA requirements for consistency.

Business Interruption Support

BI claims require meticulous timeline documentation. We provide daily logs, schedules, and delay documentation that forensic accountants need to substantiate lost income. Faster restoration directly reduces BI exposure.

Xactimate Estimates at Scale

All estimates written in Xactimate with detailed line items matching the adjuster's system. For large losses, dedicated in-house estimators write and negotiate scope separate from the field crews performing the work.

Supplement Management

Hidden damage is common in large losses. We perform exploratory demolition early to identify problems before they burst the budget. Each supplement is documented with photos, data, and scope justification.

Carrier Relationships

We have working relationships with adjusters from major insurance companies built over years of professional collaboration. Understanding each carrier's requirements, documentation preferences, and procedures accelerates approvals.

For a comprehensive guide to the insurance claims process — from filing through final payment — visit our dedicated insurance resource page.

Insurance Restoration Guide

Named Partners

TPA Programs & Major Carrier Relationships

Large loss claims move at program speed when the restoration vendor is already inside the carrier or TPA system. We hold pre-approved vendor status with the major TPAs and maintain working relationships with adjusters across the largest commercial carriers.

Sedgwick

TPA Program

Pre-approved vendor

XactAnalysis + Sedgwick portal

Complex commercial claims, BI support

Crawford & Company

TPA Program

Pre-approved vendor

Crawford ClaimsCenter integration

Multi-line property claims, catastrophe response

Gallagher Bassett

TPA Program

Pre-approved vendor

GB Luminos platform

Large-deductible commercial programs

Xactimate ESX Mastery

All estimators certified in Xactimate; line items match adjuster format exactly. ESX files exchanged directly with carriers via XactAnalysis — no manual re-entry on either side.

Preferred Rate Schedules

Pre-negotiated program pricing on major TPA programs eliminates rate disputes and accelerates scope approval cycles by days, sometimes weeks.

SLA Compliance Tracking

TPA SLAs (4-hour contact, 24-hour arrival, 48-hour scope) are tracked in our internal dashboards and proven on every claim with delivery timestamps.

Direct Portal Integrations

Direct integration with XactAnalysis, Sedgwick viaOne, Crawford ClaimsCenter, and GB Luminos eliminates manual data entry and reduces claim turnaround.

Working relationships with adjusters from major commercial carriers including:

ChubbAIGTravelersLiberty MutualZurichThe HartfordCNAFM GlobalAllianzHanoverNationwideCincinnati Insurance

TPA Coordination Detail Insurance Large Loss Claims Full Insurance Process Guide

Insurance Walkthrough

From Scope Submission to Settled Claim

Large loss claims do not move on autopilot. Every phase has a deliverable, every deliverable has a deadline, and every dispute has a resolution path. This is what the walkthrough actually looks like — capped with a real $812K sample claim breakdown.

Scope of Work Submission

Initial Xactimate ESX with line-by-line scope, photo documentation, and moisture log submitted within 72 hours of stabilization. The carrier receives one structured package — no back-and-forth on basics.

Adjuster Walkthrough

Joint site walk with adjuster (and engineer if structural). All disputed items walked in person with photo evidence. Adjuster notes captured on a shared tablet — no post-visit surprises.

Supplement Process

Hidden damage discovered during demo becomes a formal supplement with photos, test data, and scope justification. Submitted within 5 business days, followed up until disposition is in writing.

Dispute Resolution

If scope disputes arise, we initiate a joint re-walk with the adjuster and PM. For unresolved items, we support appraisal, umpire, or mediation processes with documentation ready for third-party review.

Final Settlement & Close-Out

Final invoicing matches the approved scope exactly. Lien waivers, warranty docs, and the full documentation package delivered with the final invoice for rapid settlement.

Real-World Example

Sample Claim Breakdown — Multi-Unit Condominium Fire

Approved scope after supplements, ready for final invoice

Line Item	Amount
Emergency mitigation (extraction, board-up, contents pack-out)	$67,200
Structural drying (desiccant trailer, 14 days)	$48,900
Selective demolition (4 units, common corridor)	$56,400
Environmental testing & clearance	$14,700
Framing, drywall, insulation (rebuild)	$198,500
Mechanical, electrical, plumbing rough-in	$142,800
Flooring, finishes, millwork	$121,600
Paint, fixtures, final trim	$78,250
HVAC cleaning and ducting replacement	$41,300
Contents restoration (textile, electronics, pack-back)	$29,800
Project management & supervision (10% loaded)	$73,000
Permit fees & engineering	$12,500
Supplement Carrier-approved supplements (hidden framing damage)	+$27,500
Approved Total	$812,450

How to read this: This claim closed at $812,450 after a single approved supplement of $27,500 for hidden framing damage discovered during selective demolition. The supplement was submitted within 5 business days of discovery and approved without dispute because the documentation chain held up. Every line item maps to an Xactimate scope, every photo hash-verified, every report time-stamped.

Insurance Large Loss Detail Carrier Partnerships Full Insurance Process Guide

Regional Large Loss Preparedness

Large Loss Readiness by Region

Each region presents different large loss risks, building code requirements, and climate conditions. Local knowledge directly affects response speed, scope accuracy, and regulatory compliance on complex projects.

Florida commercial property being prepared for hurricane season

Hurricane Season Readiness

Florida faces hurricane risk every season from June through November. We maintain pre-staged equipment and crews for rapid post-landfall deployment. Emergency Response Plan (ERP) clients receive guaranteed priority response, pre-arranged pricing, and a dedicated account manager who already knows their properties.

Storm Surge & Coastal Facility Response

Coastal commercial properties face storm surge, wind-driven rain intrusion, and saltwater damage that requires specialized remediation. We deploy industrial extraction equipment and desiccant dehumidifiers within hours of storm passage. Salt decontamination protocols prevent long-term corrosion damage.

Florida Building Code Requirements

Large loss reconstruction in Florida must comply with the FBC — one of the strictest in the nation. Wind-resistance upgrades, impact-rated materials, and structural connections frequently add scope. We identify code-required upgrades early and file for Ordinance and Law coverage.

Humidity & Mold Prevention

Florida humidity accelerates mold growth to within 24-48 hours of water intrusion. In large commercial facilities with central HVAC, spores spread rapidly through multi-floor ductwork. Our large loss drying protocols account for Florida climate conditions with industrial dehumidification capacity.

Large Loss Assessment

What Type of Major Damage Are You Facing?

Select your situation to understand how our large loss team responds.

Visual Scale Proof

What "Large Loss" Looks Like in the Field

Twelve real moments from large loss and catastrophe response work — multi-crew operations, high-rise corridor strategies, hurricane aftermath, command centers, and completed rebuilds. The scale is the differentiator.

Multi-crew industrial water extraction operation at a large loss site — Multi-crew industrial extraction

Aerial view of hurricane damage across a multi-building complex — Hurricane multi-building aerial

High-rise corridor with sprinkler flood damage and drying equipment — High-rise sprinkler cascade

Warehouse interior after a large loss commercial fire — Warehouse fire loss

Multi-story building flooding event with large loss response — Multi-story flood

Large loss command center with monitors and project management dashboards — PM command center

Campus-wide storm damage requiring coordinated large loss response — Campus storm response

Commercial office building exterior after a large loss fire — Commercial office fire

Large loss equipment fleet staged for emergency response — Equipment fleet staging

Hurricane-damaged condo interior under reconstruction — Hurricane condo rebuild

Multi-building hallway with corridor-strategy drying equipment array — Corridor drying array

Completed commercial large loss restoration ready for handover — Completed rebuild

Specialized Guides

Large Loss by Scenario Type

Each large loss category presents unique challenges. Explore detailed guides for your specific situation, including response protocols, typical timelines, insurance considerations, and what to expect.

Hurricane Catastrophe Response

Hurricane-specific large loss at scale. Multi-property storm surge and wind damage, pre-positioned CAT teams, and coordinated recovery across coastal communities.

Read guide

Multi-Building Restoration

Apartment complexes, condo buildings, and campus-wide events requiring coordinated restoration across multiple structures with centralized project management.

Read guide

Commercial Large Loss

High-value commercial properties with complex logistics, business impact coordination, occupied building phasing, and multi-carrier insurance claims.

Read guide

Disaster Recovery Management

Program-level project management, documentation standards, carrier coordination, and portfolio-wide disaster recovery for property management companies.

Read guide

Insurance Large Loss Claims

Multi-carrier large loss claim coordination. Scope submission, supplements, dispute resolution, and appraisal support for complex $250K+ claims with adjusters, forensic accountants, and SIUs.

Read guide

TPA Coordination

Pre-approved vendor status with Sedgwick, Crawford, and Gallagher Bassett. SLA compliance, portal integration, and program-level execution for TPA-directed commercial and catastrophe claims.

Read guide

Related Services

Connected Service Capabilities

Large loss events often require multiple specialized service lines. Explore our capabilities that support comprehensive property recovery at any scale.

Water Restoration

Industrial extraction and structural drying for catastrophic water events.

Fire & Smoke Cleanup

Large-scale fire restoration, environmental testing, and decontamination.

Storm & Hurricane

Emergency board-up, tarping, and storm damage repair at scale.

Commercial Restoration

Standard commercial restoration for losses below the large loss threshold.

HOA Services

Multi-unit coordination for HOA and condominium association properties.

Reconstruction Services

Large-scale reconstruction from structural repairs to finishing touches.

Insurance Restoration Process

Large loss claims require dedicated adjuster coordination, supplements, and phased documentation.

Contents Restoration

High-volume contents pack-out, inventory, and restoration for catastrophic property losses.

Local Service Pages

Large Loss Restoration by City

Boca Raton, FL

Tier 1 · Local office

Boynton Beach, FL

Tier 1 · Local office

Charlotte, NC

Tier 1 · Local office

Concord, NC

Tier 1 · Local office

Delray Beach, FL

Tier 1 · Local office

Fort Lauderdale, FL

Tier 1 · Local office

Fort Mill, SC

Tier 1 · Local office

Gastonia, NC

Tier 1 · Local office

Matthews, NC

Tier 1 · Local office

Pompano Beach, FL

Tier 1 · Local office

Rock Hill, SC

Tier 1 · Local office

Waxhaw, NC

Tier 1 · Local office

West Palm Beach, FL

Tier 1 · Local office

Palm Build Tools

Assess catastrophic damage with free interactive tools

Estimate flood severity, storm triage, insurance scope, and restoration timelines for large-scale losses — no signup, no lead gate.

Flood Damage Estimator

Large-scale flood events require severity, salvage, and cost planning at scale. Estimate flood-specific damage factors for bigger events.

Storm Damage Assessment

CAT response triage starts with accurate assessment. Upload photos, check live NWS alerts, and generate a structured damage report.

Insurance Claim Estimator

Large loss claims involve multi-carrier coordination, phased documentation, and complex supplemental filings. Estimate claim scope and exposure.

Restoration Timeline Estimator

Multi-building losses run on different timelines. See realistic durations for phased mitigation, rebuild, and occupancy milestones.

Facing a Major Loss? Let's Discuss Your Situation.

Property managers, risk managers, and insurance professionals trust our large loss team to manage complex, high-value restoration projects with the precision and documentation standards these situations demand. Whether you need emergency mobilization now or want to discuss an Emergency Response Plan for the future, our team is ready.

(888) 245-5155 Discuss Your Large Loss Needs

Large Loss & Catastrophe FAQ

Answers about large loss restoration, catastrophe response, multi-building coordination, complex insurance claims, and what to expect when the scope exceeds ordinary.

FAQ Topics

Need immediate help?

(888) 245-5155 (Toll-Free)

(754) 600-3369 (Florida)

(704) 464-0121 (North Carolina)

Discuss Your Large Loss Needs

Large Loss & Catastrophe Basics

In the restoration industry, a "large loss" generally refers to damage exceeding $100,000 in scope, but the dollar amount alone is not the only factor. Multi-building events, multi-floor commercial damage, catastrophe events like hurricanes or tornadoes, projects requiring coordination beyond a single crew, and high-profile or time-sensitive situations all qualify. The defining characteristic is complexity: multiple stakeholders, extended timelines measured in weeks or months, specialized equipment, and coordination between insurers, adjusters, engineers, and the property management team.

Still have questions about large loss & catastrophe basics?

When Scale Demands Expertise, We Mobilize Immediately.

Large loss events require industrial equipment, experienced project managers, multi-crew coordination, and complex insurance navigation. Our CAT teams are built for exactly these situations and can deploy 24/7.

Industrial Scale

Equipment fleet for $1M+ losses

Dedicated PM

Large loss project managers

CAT Deployment

24/7 catastrophe mobilization

Multi-Carrier Claims

TPA and adjuster coordination

Request Emergency Service

Need help right now? Call us.

24/7 live dispatch — average answer time under 30 seconds

(888) 245-5155