Insurance Claims & Xactimate Estimates in Crystal Lake and nearby communities.
Most contractors price fire rebuilds in whatever format their spreadsheet exports — then wonder why the claim stalls. Built Solid's ownership spent eight years in emergency restoration working with carriers and adjusters daily. We document fire and smoke scopes with photos, price them line-by-line in Xactimate format, and communicate with your adjuster in the language the claim already speaks. We are not public adjusters and don't negotiate your coverage — we make the construction side of the claim clean, specific, and defensible.
Project fit
Included scope is defined before work starts.
- Room-by-room scope documentation with photo records
- Xactimate-format line-item reconstruction estimates
- Line-by-line review of the carrier's estimate against actual conditions
- Supplement documentation when hidden damage surfaces during work
- Clear written records from first walkthrough to closeout
Before the estimate
The questions that shape the scope.
- Where the carrier's scope and the actual damage differ — specifically, not generally
- What's claim scope versus homeowner-elected upgrade, kept clearly separated
- Deductibles, depreciation, and payment sequencing on the construction side
- Mortgage-company endorsements and inspection holdbacks on larger losses
- Keeping the paper trail supplement-ready before demolition starts
How the work moves
Documentation first. Construction second.
- 01
Document the loss
Photos and a room-by-room scope before anything is disturbed — the foundation of every later conversation.
- 02
Estimate in Xactimate
Line items in the platform carriers use, so your adjuster reviews scope instead of translating a spreadsheet.
- 03
Reconcile the scopes
We compare our estimate to the carrier's, walk the differences with you, and communicate with the adjuster where useful.
- 04
Supplement with evidence
Hidden damage found during work is photographed and submitted as specific line items at the time it's found.
Serving Crystal Lake and nearby communities.
Tell us where the property is and where the claim stands, and we will explain the scope review, the documentation, and what happens next.
Cities we serve
Straight answers
Insurance Claims & Xactimate Estimates: common questions.
Frequently asked questions
Are you public adjusters?
Why does Xactimate matter?
The insurance estimate seems low. Can you help?
Do you bill the insurance company directly?
Can I upgrade finishes while the rebuild is underway?
Project discipline
Clear decisions before finishes cover the work.
Written scope
The proposal identifies what is included, the working assumptions, and the responsibilities on both sides.
Existing conditions first
We review the room or property before treating a generic package price or schedule as meaningful.
Trade boundaries identified
Known permit, engineering, and qualified-trade dependencies are surfaced during planning and documented.
Changes in writing
If the agreed scope changes, the effect on work, price, or sequence is discussed before the added work proceeds.
Closeout review
The finished work is reviewed against the written scope with a project punch list before closeout.
Related restoration
The rest of the fire & smoke line.
Fire Damage Reconstruction
Structural repairs and full rebuilds after a fire — framing, systems coordination, drywall, finishes, and closeout.
See how it worksSmoke & Soot Damage Restoration
Smoke and soot restoration on the structure — cleaning, stain-block sealing, refinishing, and replace-vs-restore decisions.
See how it worksStart the review
Tell us where the loss stands.
Mitigation done, carrier estimate in hand, or still sorting out the claim — describe the property and we'll explain the next useful step. Prefer the phone? Call (847) 865-9233.