Code citations, peril separation, and the documentation patterns that recover scope on denied and underpaid claims.
Failure modes, lifespan, and material selection for properties within 1 mile of saltwater. System comparison, wind uplift performance, FORTIFIED certification, 30-year cost of ownership, and the documentation protocol that prevents carriers from valuing coastal roofs against inland depreciation curves.
Read article →Senate Bill 4-D split the 25% Rule into two systems based on permit date, and the same code section makes positive drainage mandatory on every reroof. The 2023 FBC renumbered both. Carriers still working from legacy citations are working from the wrong code.
Read article →A covered peril on a roof that already violates code forces the contractor to comply with current code on the repair. Ordinance or Law coverage was written for exactly this case, and most contractors leave it on the policy.
Read article →A hurricane that tears the roof off a single-story home does not have to end in a like-kind restoration. When the damage triggers the 50 percent rule, the rebuild becomes a strategic decision and the insurance recovery becomes a funding source for something larger.
Read article →DCS prepares Xactimate estimates and supplements for restoration contractors. The contractor submits the documentation to the carrier and to the homeowner. The contractor handles all communication with the carrier and all communication with the homeowner. DCS does not contact carriers. DCS does not contact homeowners. DCS is not a public adjuster. DCS does not negotiate settlements. DCS produces the file.