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Construction Guidance

Commercial Insurance Restoration Process for Facility Directors

A commercial loss can produce several overlapping workstreams. Facility directors should track site stabilization, damage assessment, insurance communication, construction authorization, and business recovery without assuming they follow a perfectly linear order.

Interior reconstruction with exposed framing and protected floors

Set up responsibilities at intake

Name an owner representative, site contact, insurance contact, and responsible construction or mitigation parties. Establish a shared incident record and a process for authorizing immediate protective work. Record who may direct work and who must be consulted.

Turn findings into a construction scope

Use documented conditions and specialist findings to identify repair work, unresolved questions, and owner-selected improvements. Compare scope versions carefully. If new conditions appear, document them and ask the responsible parties to review the change before permanent work proceeds.

Keep insurance representation distinct

The construction team can explain quantities, methods, and field conditions. Insurance advisers handle policy and claim questions. TDI warns against a contractor acting as a public adjuster on a claim for which it performs the work. Confirm roles before authorizing anyone to communicate on the owner’s behalf.

Manage the rebuild and handover

Track design, permitting, procurement, access, inspections, and operational setup. Use a consistent status report for ownership and management. Close construction with completed-scope records and open items; retain the separate claim status with the owner’s insurance team.

Related Services & Resources

Sources and planning references

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