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4.8

Reconstruction

Full Home Reconstruction

When the damage is more than a room or two, you need a general contractor who understands insurance losses. We manage the entire rebuild from the first permit to the day you move back in.

A large loss is a construction project layered on top of an insurance claim, during a time when your family is living somewhere else. It involves structural repairs, electrical, plumbing and HVAC, insulation, drywall, flooring, cabinetry, paint and exterior work, each with its own trade, inspection and lead time.

We run it as one project with one point of contact. Because our mitigation team handled the emergency, the rebuild scope is based on what was actually found, not guessed at from the outside. We coordinate with your adjuster on scope and supplements, pull permits, schedule the trades, and keep you updated so you are never wondering what happens next.

What a full rebuild includes

  • Structural repair

    Framing, trusses, subfloor and sheathing repaired or replaced.

  • Electrical, plumbing and HVAC

    Mechanical systems restored by licensed trade partners and inspected.

  • Roofing and exteriors

    Roof, siding, windows and doors to make the home weather-tight.

  • Insulation and drywall

    Walls and ceilings insulated, hung, finished and painted.

  • Kitchens, baths and flooring

    Cabinetry, countertops, tile, fixtures and floors throughout.

  • Permits and project management

    Permits, inspections, scheduling and communication handled for you.

How it works

Our process, step by step

  1. 01

    Scope and estimate

    A detailed, line-item scope built in the same format insurance carriers use.

  2. 02

    Approvals and permits

    Scope agreed with your adjuster, selections made, permits issued.

  3. 03

    Construction

    Structure, mechanicals, insulation, drywall, finishes and exterior, with regular updates.

  4. 04

    Move-in

    Final inspections, punch list, cleaning and the return of your stored contents.

Omaha & Lincoln

Local permits, local trades

Building departments in Omaha, Lincoln, Sarpy County and Council Bluffs each have their own permit and inspection requirements, and older homes may need to be brought up to current code where they are rebuilt. We work with established local trade partners who know those requirements, and we can explain how code-upgrade coverage works if your policy includes it.

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As of Nov 14, 2026

4.8

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FAQ

Full Home Rebuilds questions

Straight answers to what people ask us most.

How long does a full rebuild take?

Significant fire and flood rebuilds commonly take several months and sometimes longer. The main drivers are claim approval, permits, structural work and long-lead materials. We give you a schedule once the scope is approved and update it as the job progresses.

Do I have to use the contractor my insurance company recommends?

No. You can choose your own contractor. We work with all insurance carriers and write our estimates in the format they use.

What if you find more damage once walls are open?

That is common on large losses. We document it and submit a supplement to your insurer for approval before proceeding with the added work.

Can we change the layout or upgrade finishes during the rebuild?

Yes. Insurance covers restoring what was there. Changes and upgrades are priced separately so you can decide what is worth adding.

Request full home rebuilds service

Tell us what happened and we will call you back. For emergencies, calling (402) 281-1123 is fastest.

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More reconstruction services

Damage does not wait. Neither do we.

Call any hour of the day or night and tell us what is happening at your property. We will take it from there.

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