Insurance Claim
Contracting
You have the right to choose your own contractor. Skip the restoration company middleman and work directly with the people doing the work.
The Restoration Company Problem
When your home suffers fire or water damage, the emergency response company — Servpro, Belfor, Paul Davis, ServiceMaster — shows up quickly and handles the cleanup. They're good at that part. The extraction, the drying, the smoke removal. That's their specialty.
But then comes the pitch: "We can handle the full rebuild too." And most homeowners, exhausted and overwhelmed, say yes without realizing what that means.
What "Full Rebuild" Really Means
- They keep 20–40% of your claim as a project management fee
- They hire the cheapest subcontractors they can find
- You get cut-rate materials and lowest-bidder craftsmanship
- Insurance paid for premium work — you don't receive it
Your home deserves a contractor, not a call center.
Work Directly With Your Contractor
RJD Craft Co. is a general contractor — not a management company. When you hire us, 100% of your insurance payout goes toward actual construction: quality materials, skilled labor, and craftsmanship that lasts. No middleman markup. No corporate overhead eating into your rebuild.
And here's the advantage most homeowners don't know about: Jason Dixon, the owner of RJD Craft Co., is a former licensed insurance agent. He worked for Nationwide. He understands exactly how insurance companies write estimates, what the line items mean, and how to make sure your claim covers the full scope of work your home needs.
He can read an Xactimate estimate — that's the software insurance adjusters use to price out damage — and explain it to you in plain English. He knows when something's been undervalued. He knows what's covered that you might not think to ask about. He's worked both sides of the table since 1999, and now he works for you.
What's Included
From claim review to final walkthrough — every step covered.
Full Damage Assessment
Comprehensive evaluation of all fire or water damage to your home, with detailed documentation for your insurance claim.
Claim Documentation Support
We prepare thorough documentation with photos, measurements, and scope of work that your adjuster needs to process the claim.
Scope of Work Development
Detailed scope of work that matches your insurance estimate line by line — ensuring nothing is missed or undervalued.
Direct Adjuster Communication
Jason communicates directly with your insurance adjuster, speaking the same language and ensuring accurate claim processing.
Xactimate Estimate Review
As a former insurance agent, Jason reads and reviews Xactimate estimates — the software adjusters use — to catch undervalued items.
Quality Materials Selection
Your insurance is paying for quality. We select materials that match or exceed what your policy covers — not the cheapest option available.
Skilled Labor, Not Lowest Bidder
Every trade on your project is hand-selected for quality and reliability. Professional tools from Festool, Makita, Milwaukee, DeWalt, and Bosch.
Complete Rebuild
Full reconstruction to pre-loss condition or better. Cabinets, countertops, flooring, drywall, trim, paint — the complete package.
Final Walkthrough & Inspection
Detailed final inspection and walkthrough to make sure every detail meets our standards and yours before the project closes out.
Why Work Directly With RJD Craft
Former Licensed Insurance Agent
Jason worked for Nationwide. He knows how claims are written, what adjusters look for, and how the process works from the inside. That expertise works for you now, not against you.
Understands Xactimate Estimates
Insurance adjusters use specialized software to price out damage repairs. Jason can read these estimates, explain them in plain terms, and identify when line items are undervalued or missing.
Your Advocate, Not a Corporation
We work for you — not an insurance company, not a franchise corporate office. Founded in 1999, RJD Craft's goal is simple: make sure you get the quality rebuild your policy is paying for.
Every Dollar Goes to the Work
No middleman markup means better materials, better labor, and a better outcome. The insurance money goes where it should — into your home.
Can I Choose My Own Contractor for Insurance Work?
Yes. Your insurance company may suggest preferred vendors, but you have every right to hire any licensed contractor you choose. You are not required to use the restoration company that handled your cleanup, and you are not required to use your insurer's recommended contractors.
This is your home and your policy. Choosing your own contractor means you control the quality of the rebuild, you have a direct relationship with the person doing the work, and your insurance dollars go further because there's no middleman taking a cut.
What You Gain by Going Direct
- 100% of insurance payout goes to actual construction
- Better materials — not the cheapest available
- Direct relationship with the person doing the work
- No corporate overhead eating into your rebuild
- Insurance expertise from a former licensed agent
What Our Clients Say
Our insurance company sent a preferred contractor, but a friend told us we didn't have to use them. We hired Jason instead. He reviewed the insurance estimate, found items that were undervalued, and got the scope corrected before starting work. The quality of the rebuild was night and day compared to what the other company was proposing.
Have an Insurance Claim? Let's Talk.
We'll review your claim, explain what's covered, and give you a clear picture of what your rebuild should look like. No obligation.