$50,000 Recovered After Missed Framing Damage
Snapshot
A homeowner and their contractor came to Property Loss Pro after the carrier’s adjuster and an independent adjuster insisted all structural damage was covered. The contractor knew the framing scope didn’t match the real work required.
After a full review, we identified major framing omissions and secured nearly $50,000 in additional approved repairs, including proper Overhead & Profit (O&P).
The Problem
The original carrier estimates:
Missed significant wall, ceiling, and sub-floor framing repairs
Omitted required structural reinforcement and code-triggered work
Under-scoped demolition, temporary shoring, and safe-work practices
Ignored trade sequencing and specialty labor needs
Removed standard GC Overhead & Profit despite multiple trades being involved
The result:
The contractor couldn’t complete the job for the approved amount, and the homeowner was exposed to major out-of-pocket costs for necessary structural repairs.
What Property Loss Pro Did
1. Deep Structural Review
We reviewed the contractor’s photos, videos, and site notes and identified:
Hidden framing damage behind finishes
Sagging joists needing sistering
Load-bearing studs misclassified as “cosmetic”
Missing sub-floor removal and replacement
No line items for temporary shoring or OSHA-driven procedures
2. Line-by-Line Estimate Analysis
We compared the adjuster and IA estimates against real-world construction:
14+ structural line items completely omitted
Demolition quantities off by 30–50%
Labor minimums and setup/cleanup missing
Code-driven repairs not addressed
O&P removed with no policy-based justification
3. Corrected Xactimate Scope & Justification
We rebuilt the structural scope in Xactimate to match actual repair needs, including:
Proper framing assemblies and quantities
Building code and OSHA triggers
Trade sequencing and GC coordination
Carrier-ready F9 notes and a written variance report
We then prepared a clean supplemental package the adjuster could approve without confusion or re-work.
The Result
~$50,000 in additional structural repair funds approved
Full 10% Overhead & 10% Profit applied where appropriate
Contractor could perform the work safely and correctly—without eating costs
Homeowner avoided large out-of-pocket expenses and received a realistic repair budget
Why This Matters
Framing and structural components are some of the most commonly missed items in property insurance claims. They’re often hidden, technical, and easy to under-scope.
Property Loss Pro bridges the gap between:
What the adjuster writes
What the contractor actually needs to build
What building codes and safety standards really require
So homeowners and contractors aren’t left trying to fix structural problems with an underfunded claim.
