Call 205-955-0807
Call 205-955-0807

Insurance Restoration Contractor in Clanton, AL

After a fire, flood, or storm damages your home, you are dealing with two problems at the same time — navigating an insurance claim and finding a contractor you can trust to rebuild correctly. Most homeowners are not equipped to manage both alone, and most contractors only handle one. Recon Reconstruction of Alabama removes both burdens. We document the damage, manage the insurance process, and perform the licensed reconstruction from start to finish.

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What an Insurance Restoration Contractor Does Differently

A standard remodeling contractor builds what you specify and invoices for the work. An insurance restoration contractor does something significantly more complex.
They assess the damage before anything is disturbed, creating documentation that meets the evidentiary standards an insurance adjuster requires. They identify hidden and secondary damage that a surface inspection will not capture. They communicate within the insurance claims process — knowing the terminology, the documentation format, and the procedural requirements each carrier uses. They negotiate the scope of work with the adjuster to ensure it reflects the full extent of damage, not just the minimum the carrier needs to acknowledge. And then they perform the licensed construction work to complete the rebuild.
Recon Reconstruction has operated as an insurance restoration contractor in Clanton and Central Alabama for over 27 years. Owners Kyle McRae and Alex Price have personally managed hundreds of insurance restoration projects — from kitchen fires to total loss reconstructions — and understand the process from both the construction and the claims side.
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Step by Step

Our Insurance Restoration Process

Every insurance restoration project we manage follows the same structured process.
Here is exactly what that looks like from your first call through final completion.
1

Emergency Response and Stabilization

We secure the property immediately to prevent further damage. Roof tarping, structural board-up, and temporary stabilization measures protect your home while the insurance process begins.
2

Full Damage Assessment

We perform a thorough inspection of all structural, mechanical, and interior damage. Every affected area is photographed and documented in written detail. This includes hidden damage -- inside wall cavities, beneath flooring, in the framing above ceilings -- that a standard adjuster walkthrough frequently misses.
3

Scope of Work Development

We build a detailed written scope of work covering every item required to restore your home to pre-loss condition. This document is the foundation of your insurance claim. A weak or incomplete scope means a low settlement. A thorough, accurate scope means your claim reflects what the rebuild actually costs.
4

Adjuster Coordination

We communicate directly with your insurance adjuster, provide all documentation, and work through any disputes in the scope or valuation. If the initial adjuster assessment is insufficient, we present our documentation and advocate for the correct scope before you accept any settlement.
5

Insurance Authorization

Once the scope is agreed and the claim is authorized, reconstruction begins. We do not start the build on a scope we do not believe covers the work required. Every item in our reconstruction plan has insurance authorization behind it before a tool is picked up.
6

Licensed Reconstruction

Our team performs all reconstruction work -- structural framing, drywall, roofing, flooring, tile, and interior finish work. Every phase is managed by owners Kyle McRae and Alex Price.
7

Supplement Management

When damage discovered during demolition or reconstruction was not captured in the original scope, we file a supplement claim with your carrier. This is a normal part of the restoration process and we manage it completely on your behalf.
8

Final Walkthrough and Documentation

We perform a final walkthrough with you before closing the project. Completion documentation is provided for your insurance file and your personal records.

What Is a Supplement Claim and Why It Matters

A supplement claim is filed when the scope of required work expands beyond what was authorized in the original claim settlement. This happens regularly in restoration projects for a straightforward reason — adjusters assess damage from the surface. Contractors discover what is actually behind the walls during demolition.
A common example: an adjuster approves drywall replacement in a fire-damaged room. During demolition, the framing behind the drywall shows heat compromise that was not visible during the surface assessment. That framing must be replaced for the rebuild to be structurally sound. The cost of that framing is not in the original scope. A supplement claim is how that additional work gets authorized and covered.
Contractors who do not manage supplement claims leave homeowners with a gap between what the insurance company approved and what the rebuild actually cost. We manage the supplement process from identification through authorization on every project where additional scope is warranted.
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Insurance Carriers We Work With in Clanton and Chilton County

We have an established working relationship with every major insurance carrier operating in the Clanton and Chilton County market. We understand each carrier’s documentation preferences, communication protocols, and approval processes — which accelerates the timeline from claim filing to construction start.
Carriers we regularly work with include Alfa Insurance, Nationwide, Progressive, Farmers Insurance, and Liberty Mutual. If your carrier is not listed here, call us. We work with all licensed carriers operating in Alabama.

Your Right to Choose Your Own Contractor in Alabama

This is one of the most important things a homeowner facing an insurance claim needs to know.
Your insurance company may assign a preferred vendor, recommend a network contractor, or in some cases actively encourage you to use a specific company. You are under no legal obligation to use any of them.
Alabama homeowners have the right to choose any licensed contractor to perform restoration work on their property. Your contractor works for you — not for your insurance carrier. When your insurance company assigns a preferred contractor, that contractor’s primary relationship is with the insurance company, not with you. Their incentive is to complete the work within the carrier’s approved budget. Your incentive is to have your home restored correctly.
When you choose Recon Reconstruction, your contractor’s sole goal is restoring your home to pre-loss condition or better. That distinction matters on every single line item of your reconstruction scope.
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Why the Scope of Work Is the Most Important Document in Your Claim

Homeowners often focus on the settlement amount as the critical number in an insurance claim. The scope of work is actually more important.
The scope is the document that defines what work will be performed and at what cost. The settlement amount flows from the scope. A scope that misses items — hidden structural damage, secondary moisture damage, code-required upgrades triggered by the repair — produces a settlement that does not cover the full cost of an accurate rebuild.
We build every scope of work from a complete damage assessment, not from a summary of what is visible on the surface. We include every item required to restore your home correctly. That scope becomes the basis of your insurance settlement and the blueprint for the reconstruction we perform.

Why Clanton Homeowners Choose Recon Reconstruction for Insurance Restoration

  • Over 27 years of residential construction and insurance restoration experience in Clanton and Central Alabama
  • Owners Kyle McRae and Alex Price personally manage every project from first assessment through final walkthrough
  • We handle documentation, adjuster communication, supplement claims, and all licensed reconstruction under one roof
  • Established working relationships with every major carrier serving Chilton County
  • We advocate for the scope your home actually requires -- not the minimum the carrier wants to approve
  • Licensed general contractor -- no subcontracting the work to unvetted crews
  • Locally based at 816 Center Avenue in Clanton -- accountable to this community
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Frequently Asked Questions

Insurance Restoration Contractor
in Clanton, AL

A regular contractor builds to a spec you provide and invoices for the work. An insurance restoration contractor assesses and documents damage to insurance standards, communicates with adjusters, negotiates the scope of work, manages supplement claims, and performs licensed reconstruction -- all within the insurance claims process. The documentation and advocacy expertise is the difference. Without it, homeowners frequently accept settlements that do not cover the full cost of an accurate rebuild.
No. Alabama homeowners have the legal right to choose any licensed contractor for insurance restoration work. Your carrier may suggest or encourage a preferred vendor but cannot require you to use them. Choosing your own contractor means your contractor is working in your interest -- with the goal of restoring your home correctly -- rather than completing the work within a carrier-approved budget. Recon Reconstruction works for you.
A supplement claim is filed when damage discovered during demolition or reconstruction was not included in the original approved scope. It is a standard part of the restoration process -- not an exception. Adjusters assess from the surface. Contractors discover what is actually behind the walls. When additional damage is found, we document it and file the supplement with your carrier to ensure that work is covered before it is performed.
The insurance coordination phase -- assessment, scope development, adjuster review, and authorization -- typically takes two to four weeks depending on the carrier and the complexity of the claim. Reconstruction time depends on the scope of damage. A single-room fire repair may take two to three weeks in the field. A full-structure restoration may take several months. We provide a realistic timeline at the outset and communicate clearly throughout so you always know where your project and your claim stand.
No. The claims process timeline is driven by the carrier's internal review and authorization procedures, not by which contractor you choose. What choosing an experienced insurance restoration contractor does affect is the quality of documentation submitted to your adjuster, which can actually accelerate the review process by reducing back-and-forth over missing information.
There are several options available to Alabama homeowners who believe their claim was underpaid. The first step is ensuring the scope of work submitted by the contractor is complete and well-documented. An underpaid claim is frequently the result of an incomplete scope rather than the carrier acting in bad faith. We review the adjuster's assessment against our damage documentation and present supplemental evidence where the scope was insufficient. If a material dispute remains after that process, we can advise on the options available including the appraisal process and public adjuster engagement.

Starting an Insurance Claim in Clanton or Chilton County?

Call Kyle McRae directly at 205-955-0807. We handle the documentation, the adjuster, and the rebuild — so you can focus on your family while we handle the process.