Homeowners
For many, property damage means stepping into the insurance world for the first time. You're handed technical paperwork, vague estimates, and left wondering who’s truly looking out for you.
When your home is damaged, the last thing you need is confusion. That’s where ReconSmart Solutions comes in.
We help homeowners take control of the property insurance claims process with independent scope reviews, clear explanations, and trusted claim support, so you can focus on restoring your home and peace of mind.
ReconSmart serves as your unbiased advisor, reviewing your scope of loss, explaining your options, and ensuring your estimate accurately reflects what it will take to restore your property. We work independently, not for the insurance company and not for the contractor, so your best interest always comes first.
5 Common Mistakes Homeowners Make on Insurance Claims
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#1: Filing a claim without knowing if the damage is even covered. This can raise premiums for no reason.
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#2: Accepting the adjuster’s first estimate. It is usually missing items and rarely reflects the true cost to restore the home.
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#3: Not documenting the damage. Without photos, notes, and measurements, the claim becomes easy for the carrier to limit.
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#4: Choosing a contractor before understanding the full scope. This creates confusion, surprise costs, and unnecessary stress.
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#5: Skipping supplements when hidden damage appears - leading to homeowner paying out of pocket.
When insurance claims overwhelm you, we bring the clarity and get you the result you deserve.
FAQs
How do I decide whether a claim should be filed?
We help you evaluate the extent of the damage, the cost of repairs, and the impact on your policy. You learn whether the loss is worth filing, whether it may fall under your deductible, and how it might affect your premiums. You will feel fully informed before you make any decision.
How do we make sure our insurance company pays me correctly?
Our process ensures that all scope notes, supporting documents, and photos are collected before presenting everything to the assigned adjuster for evaluation and approval.
How does ReconSmart Solution’s estimate compare to an adjuster’s estimate?
We use industry-standard estimating software to create an adjuster-friendly scope of work on what it truly takes to restore your home the right way. Adjuster estimates are often minimal and gaps can be expected. Our scope of work are detailed, accurate, and based on industry pricing.
What is the normal timeline for the estimate and approval process?
Depending on the extent of the damage, our team can typically write and submit the scope of work in 48 hour. In the following two weeks, though sometimes it may take longer, our team will follow through with the assigned adjuster until a decision is made.
How does your involvement make my claim experience better?
Working alongside with us, you gain clarity, confidence, and peace of mind throughout the process. Especially when you feel stuck, our experienced team will guide and advise you for the best possible outcome so your home can be restored as soon as possible.
How often will you update me so I know what is happening?
Our process keeps you informed from the start. You will be kept in the loop either by phone, texts, or emails. Our goal is to facilitate everyone in the most efficient path to the point where the restoration project starts in the shortest delay possible.
#1: Claim Guidance & Scope Review
We help you understand your insurance estimate and identify what’s fair, so you're not left guessing or feeling shortchanged.
#2: Clear Communication & Peace of Mind
We break down the process and help you confidently advocate for what’s needed.
#3: Comparative Estimation & Documentation Support
We assist with comparative estimates, supplemental items, and the preparation of written requests for additional coverage.
Common Terms You’ll See: Knowing them helps you stay in control.
Deductible - The amount you pay out of pocket before your insurance company contributes to the loss.
Scope of Work - The detailed outline that explains exactly what needs to be repaired or replaced in your home.
Xactimate & Symbility - These are industry programs used to create insurance estimates. They set the pricing and standards that most carriers follow.
Depreciation - The amount your insurance company removes from the payout due to the age or condition of materials.
Recoverable Depreciation - The portion of depreciation you can receive back once repairs are completed and when the Certificate of Completion is received by your insurance company. Nonrecoverable Depreciation is not payable.
RCV - Replacement Cost Value is the full cost to restore your property to its original condition using materials of like kind and quality.
ACV - Actual Cash Value is the depreciated value of the damages. It is often the first payment an insurance company issues to help ‘get things started’.
Supplemental Estimate - An additional estimate submitted when hidden damages or missed items are discovered. This helps ensure you receive everything required for a complete restoration.
Cause of Loss - The specific event that created the damage, such as a storm, leak, fire, or burst pipe. Correct identification protects you from unnecessary denials.
Summary of Loss - An itemized breakdown of the total claim value including materials, labor, mitigation, reconstruction, contents, and textile. It provides a clear overview of what the insurance company is paying for and why.
Mitigation - The initial phase of restoration process that prevents further damage. This may include drying, tarping, water extraction, or securing areas of your home.
“Rebuild” or Reconstruction - The phase that comes after Mitigation. This is where your home is repaired or rebuilt to its pre-loss condition.
Abatement - The controlled removal of hazardous materials such as asbestos, mold, or lead based paint. This work requires licensed professionals and must be completed before reconstruction can continue.
Contents - Your personal belongings like furniture, electronics, and household items. These are evaluated separately from the other categories aforementioned.
Textile - Soft goods such as clothing, bedding, curtains, and fabric based items. Textiles are often cleaned, restored, stored, or replaced separately from other contents.
“LKQ” or Like-Kind-and-Quality - Repairs must use materials that match the original in appearance and performance. This protects you from cheap or mismatched replacements.
ITEL - A third party service that analyzes samples of materials such as flooring, siding, or roofing to identify the exact prodcut and its market value. This protects you and ensures the LKQ of the replacement.