01 / OBSERVE
Identify the affected areas.
Use consistent room and location references. Distinguish visible conditions, accessible measurements and areas that still need evaluation.
FOR INSURANCE ADJUSTERS
A repair scope with a clear record behind it.
Organize observed conditions, affected materials and the proposed work so the next review has a useful starting point.
YKCA can discuss mitigation and reconstruction scope with the property owner and the project’s authorized contacts. Documentation should explain what was observed, what work is proposed and what still needs verification. Insurance coverage and claim decisions remain with the insurer and the policyholder.
Discuss a Restoration Scope
FROM OBSERVATION TO REPAIR
Keep evidence and decisions connected.
A useful record makes the scope review easier without turning assumptions into confirmed damage.
02 / DEFINE
Explain the proposed work.
Separate mitigation, demolition, drying, reconstruction and owner-requested improvements. Record the boundary of each scope.
03 / COORDINATE
Track the review questions.
Keep requests for clarification, revised scope and authorization in one documented sequence with the appropriate project contacts.
YOUR STARTING POINT
Which part of the review is underway?
Choose the phase to see the information that supports the next discussion.
Initial scope review
Start with access and the observed conditions.
Identify the property and the authorized contacts before exchanging project records.
- Property location and owner or authorized representative.
- Affected rooms and the reported event.
- Available photographs and prior inspection records.
- The specific documentation or scope question to resolve.
Mitigation coordination
Keep the ongoing record organized.
Connect work descriptions to the areas and dates involved.
- Current mitigation scope and access limitations.
- Available drying or measurement records.
- Changes in observed conditions or affected materials.
- Required review points and authorization contacts.
Reconstruction planning
Define the repair starting point.
Reconstruction needs a clear handoff from the preceding work.
- Condition of areas released for repair.
- Proposed material and finish scope.
- Code, permit or design questions needing review.
- Owner upgrades kept separate from the damage-repair scope.
A REVIEWABLE RECORD
Separate what is known from what is pending.
Observed conditions
Describe the source of each observation and any access limits. A photograph or room note should have enough context to identify its location.
Scope revisions
Explain why a revision is proposed and which work it changes. Keep earlier and revised descriptions distinguishable during review.
Coverage and payment
Construction scope review does not determine policy coverage, deductible obligations or claim payment. Confirm those matters through the insurer and the applicable project agreements.
BEFORE THE NEXT STEP
Before sharing the project record.
Does YKCA decide whether the damage is covered?
No. We can discuss observed conditions and the proposed construction scope. Coverage and claim determinations belong with the insurer and policyholder.
What information helps a scope review?
Provide the property and affected locations, the question being reviewed, available records and the authorized contact. Request a suitable channel before sharing sensitive claim documents.
Are mitigation and reconstruction one scope?
They can be coordinated but should remain identifiable. The proposal should explain which services, materials and handoffs are included in each phase.
Can owner upgrades be included in the same discussion?
Yes, but identify them separately so a repair scope and a voluntary improvement are not treated as the same item.
START WITH THE QUESTION
Make the scope review easier to follow.
Tell us which property, phase and documentation question need coordination.
FROM THE YKCA JOURNAL
Make this page useful for your project.
Does a restoration estimate establish what insurance will pay?
No. It describes proposed work and its basis. Coverage and payment depend on the policy and claim review. Keep the contractor scope, authorization and insurer decisions as separate records.
