Connecting claim facts to repair realities.
Property claim files often require a practical understanding of materials, sequencing, access, code-related questions, repair feasibility, and the difference between observed damage and proposed repair work.
Theo helps carriers and TPAs evaluate construction issues in a way that is organized, documented, and useful for claim handling, expert review, and estimate reconciliation.
What Gets Reviewed
Theo looks at the relationship between observed damage, proposed repairs, building conditions, trade sequencing, and the documentation supporting the requested scope.
Why It Matters
Construction issues often affect cycle time, reserve confidence, estimate reconciliation, expert involvement, and dispute posture.
Building Components and Claim Issues
| Area | Common Questions |
|---|---|
| Roofing and exterior envelope | Storm damage indicators, repairability, matching concerns, access, temporary repairs, and consultant needs. |
| Interior finishes | Room-level scope, material continuity, moisture impact, demolition needs, and repair sequencing. |
| Structural and framing | Visible movement, load concerns, engineer involvement, repair method, and affected building components. |
| Commercial property | Business operations, access constraints, specialty systems, tenant improvements, and staged repair needs. |
Common Support Areas
- Repair scope and methodology review
- Building envelope and roofing issue support
- Commercial and residential construction loss analysis
- Contractor proposal and scope comparison
- Repair sequencing and access issue documentation
- Coordination with engineers and specialty consultants
Repair Scope Questions
- Is the proposed repair supported by documented damage?
- Are there missing measurements, photos, diagrams, or material details?
- Does the scope separate direct damage, access, and code-related issues?
- Are trades duplicated, sequenced incorrectly, or unsupported?
- Is expert review needed before repair method or scope can be evaluated?
Deliverables
Scope Analysis
Review of proposed repair scope compared with observed damage and available documentation.
Repair Method Notes
Practical documentation of repair approach, access concerns, sequencing, and open technical issues.
Consultant Summary
Carrier-ready summary of construction issues, supporting documents, and recommended next information needs.