Insurance Claims & Damage Restoration

When your home is hit with water damage, flood damage, fire damage, or smoke damage, you need two things fast: a plan to rebuild—and a contractor who understands how to work within the insurance claims process.

At JT Construction & Design, we specialize in insurance restoration repairs. We help homeowners in Bellingham and throughout Whatcom County restore their property to pre-loss condition by providing clear documentation, detailed repair scope, and professional reconstruction—while coordinating directly with your insurance adjuster.

Water Damage & Flood Damage Restoration Repairs

Water damage gets expensive quickly—wet drywall, warped flooring, damaged cabinetry, ruined insulation, and hidden moisture behind walls. Whether the loss was caused by a burst pipe, appliance leak, roof leak, or storm-related flooding, our team can:

  • Assess visible damage and likely affected areas
  • Perform/coordinate necessary dry-out and demolition (as required)
  • Rebuild interior finishes (drywall, trim, flooring, cabinets, paint)
  • Restore kitchens, bathrooms, and full living areas after water loss
  • Provide a clear repair scope for insurance review

Note: If specialized mitigation is required (moisture mapping, microbial/mold remediation, etc.), we can coordinate with qualified partners and then handle the full rebuild.

Fire & Smoke Damage Restoration Repairs

Fire losses aren’t just about what burned—smoke odor, soot residue, and water used to extinguish the fire can impact large portions of the home. JT Construction & Design provides the reconstruction expertise needed to bring your home back, including:

  • Structural and framing repairs (as needed)
  • Drywall replacement and interior rebuild
  • Flooring, trim, doors, and cabinetry replacement
  • Kitchen/bath rebuilds after fire or smoke damage
  • Repair planning that aligns with insurer requirement

Insurance Claim Support That Makes the Process Easier

Most homeowners only file a major claim once—insurance companies do it every day. Our advantage is that we understand what insurers typically need to move a claim forward and approve the correct repair scope. We help by:

  • Meeting with your adjuster and walking the loss
  • Providing detailed estimates and repair scope documentation
  • Identifying missed line items and supporting supplement requests when additional damage is discovered after demolition
  • Keeping communication organized so you’re not stuck playing middleman
  • Staying focused on restoring your home to pre-loss condition, not cutting corners

Important: We are a licensed contractor—not a public adjuster or attorney. We don’t provide legal advice, but we do provide professional construction documentation and clear repair scope support so the carrier can accurately review the work required.

Our Insurance Restoration Process:

  1. Initial call + basic intake (what happened, when, current safety concerns)
  2. Site visit to evaluate damage and discuss repair options
  3. Scope + estimate prepared for the insurance process
  4. Carrier coordination (adjuster meetings, questions, revisions)
  5. Demo + discovery (if required; supplements submitted when needed)
  6. Rebuild & restoration (repairs, finishes, final walkthrough)

Why Homeowners Choose JT Construction & Design

  • General contractor experience for full reconstruction, not just patchwork
  • Familiarity with insurance timelines, documentation, and approvals
  • Clear communication and a steady process during a stressful time
  • Trusted local service across Bellingham and Whatcom County

Frequently Asked Questions (FAQs)

Do I call you or my insurance company first?
If there’s active damage (water intrusion, unsafe structure), prioritize safety and stopping further damage. Then call your insurer to start the claim and call us to begin the repair plan and documentation.

Can you work with any insurance company?
Yes—homeowners choose their contractor. We can coordinate with most carriers and adjusters.

What if more damage is found after demo starts?
That’s common with water and fire losses. We document newly discovered damage and submit a supplement for carrier review.

Can I upgrade materials during an insurance claim?
Often yes, but upgrades are typically the homeowner’s cost difference. We can quote both “like-kind” replacement and upgrade options.

Get Help With Your Water or Fire Damage Claim

If you’re dealing with flood/water damage or fire/smoke damage, we’re here to help you rebuild—and reduce the friction in the insurance repair process. Contact us today!