At Orion Construction, we know that navigating insurance claims and property reconstruction can feel overwhelming. To make the process as smooth and transparent as possible, we follow a clear, step-by-step reconstruction claims process for every project.

From the original estimate and adjuster approvals to supplements, change orders, owner selections, scheduling, and final communication, our process is designed to keep work properly authorized, documented, and completed to a high standard. Your Orion Project Manager helps guide you through each stage and keeps communication clear along the way.

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Understanding the Orion Construction Reconstruction Claims Process

A successful property restoration project depends on clear approvals, organized documentation, and strong communication from start to finish. Insurance restoration work often involves more than just the initial estimate. Supplements, change orders, customer selections, trade coordination, and scheduling all play a role in keeping the project moving forward correctly.

Orion Construction uses a structured reconstruction claims process so homeowners and business owners know what to expect at each phase of the job. This helps ensure that all services are properly approved, clearly communicated, and aligned with the restoration needs of the property.

Claims Process May Include:

  • Original estimate review
  • Insurance approval
  • Supplements and revisions
  • Change orders and upgrades
  • Owner selections
  • Scheduling and trade coordination

Step-by-Step Reconstruction Claims Process

The following stages outline how Orion Construction typically moves a reconstruction claim from approval through scheduling, communication, and project completion.

1. Original Estimate

Contractual services must have prior approval from your insurance company or adjuster before any services can be performed. This approval may take several days depending on the claim. The estimate provided to the insurance company is part of the claims process and does not necessarily reflect Orion Construction’s actual internal cost structure for every item.

2. Supplements

A supplement amends the original contract for services and must also receive prior approval from the adjuster before any affected work is scheduled. Supplements are often needed when additional damage or necessary work is discovered after the original estimate has been reviewed.

3. Change Orders

A change order amends the original contract for services when the property owner requests upgrades or changes beyond the approved scope. Change orders are typically paid in full at the time of approval.

4. Tradeoffs

A tradeoff is a deletion or reduction of services that amends the original contract. Under most circumstances, tradeoffs are not allowed unless they are specifically approved by the adjuster and properly documented.

5. Owner Selections

Color, brand, style, and other finish selections for installed items are made by the customer and documented on the customer selections form. These selections help keep the project aligned with the property owner’s expectations.

6. Communication with Orion

Your Orion Project Manager provides updates and serves as your primary point of contact throughout the project. Clear communication helps ensure that expectations, approvals, and project progress stay organized from start to finish.

7. Communication with Tradesmen or Other Contractors

All communication about the project should go through your Orion Project Manager. Tradesmen and subcontractors are not authorized to approve changes independently and are instructed not to make modifications without authorization from Orion.

8. Resolving Conflicts

If any issues arise during the project, the first step is to contact your Project Manager. If additional support is needed, you can contact Orion’s office at 330-244-9708 so management can assist in reaching a fair and workable resolution.

9. Schedule

A schedule is created prior to the start of the project based on available labor, materials, trades, and job conditions. Some days may involve waiting on materials or other contractors, but Orion works to keep the project on track and communicate any meaningful schedule changes.

Why a Clear Claims Process Matters

Insurance restoration projects often involve multiple approvals, evolving scopes of work, customer decisions, and scheduling coordination between several trades. A clear reconstruction claims process helps reduce confusion, improve accountability, and keep the project moving in the right direction.

Orion Construction uses a structured process so property owners understand what is happening, what approvals are needed, and how decisions affect the project schedule and final outcome.

Key Process Terms

  • Original estimate
  • Insurance approval
  • Supplement
  • Change order
  • Owner selections
  • Project Manager communication

Frequently Asked Questions About the Claims Process

Why does work need insurance approval before it starts?

Insurance approval is important because it helps confirm the scope of covered work before services are scheduled and performed.

What is a supplement?

A supplement is an amendment to the original scope of work and usually reflects additional damage or necessary services discovered after the initial estimate.

What is a change order?

A change order is an amendment requested by the property owner for upgrades or changes beyond the approved insurance scope.

Who should I communicate with during the project?

Your Orion Project Manager should be your main point of contact for project updates, scheduling, decisions, and questions.

Can tradesmen approve changes directly with me?

No. Project-related changes should go through Orion’s Project Manager so the work stays authorized, documented, and properly coordinated.

What happens if the schedule changes?

If schedule conditions change because of materials, trade coordination, approvals, or project conditions, Orion works to communicate those changes and keep the project moving as efficiently as possible.

Have Questions About Your Reconstruction Claim?

If you need help understanding the claims process for your reconstruction project, Orion Construction is here to help. Contact our team to discuss approvals, scheduling, communication, and the next steps.

Call 330-244-9708 Contact Orion Construction