Construction & Insurance Restoration FAQ

Yes. In British Columbia, homeowners have the legal right to choose their own contractor for insurance-funded reconstruction. Your insurer may recommend a preferred vendor, but you are not required to use them. You can select any licensed, qualified contractor to complete the restoration work.

At Eurohouse Construction, we regularly take over projects from insurer-recommended restoration companies when homeowners are dissatisfied with progress or quality. Our insurance restoration team manages the full claims and reconstruction process.

Typical insurance reconstruction timelines range from 4 to 8 months depending on the scope of damage and complexity of the rebuild. Fire damage reconstruction involving structural repairs may take 6 to 12 months. Water damage restoration for contained leaks can be completed in 2 to 4 months.

Factors that affect timeline include permit approvals, scope of structural damage, material availability, and coordination with insurance adjusters and consultants.

Most comprehensive homeowner insurance policies in British Columbia cover the full cost of restoring your property to its pre-loss condition after fire or water damage. This typically includes structural repairs, finishing, fixtures, and in many cases temporary living expenses during reconstruction.

Coverage details vary by policy. We recommend reviewing your policy with your adjuster and obtaining an independent scope of work from a qualified contractor to ensure the full extent of damage is documented.

Restoration refers to cleaning, drying, and repairing a property to its pre-damage condition — typically used for less severe damage. Reconstruction involves rebuilding structural elements, replacing framing, drywall, electrical, plumbing, and finishes after significant fire, water, or structural damage.

Many insurance claims require both: initial restoration work such as water extraction and demolition of damaged materials, followed by full reconstruction of the affected areas.

In most cases, having the work completed by a qualified contractor provides better value than a cash settlement. Insurers calculate cash settlements based on their internal estimates, which may not reflect actual reconstruction costs in your area.

A professional contractor can identify damage that may not be apparent in an initial assessment, ensuring the full scope is covered. If you are considering a cash settlement, we recommend getting an independent estimate first. Read our detailed analysis of cash settlement vs. restoration.

Step 1: Document the damage with photos and video.
Step 2: Contact your insurance company to file a claim.
Step 3: Choose a licensed contractor — you have the right to select your own.
Step 4: Your contractor prepares a detailed scope of work and estimate for the adjuster.
Step 5: Once the scope is approved, construction begins.
Step 6: Your contractor coordinates with the adjuster throughout the project for any supplemental approvals.

At Eurohouse, we manage the entire process from initial assessment through final inspection.

A qualified insurance restoration contractor should hold a valid general contractor license in British Columbia, carry comprehensive liability insurance and WorkSafeBC coverage, have Pacific Home Warranty or equivalent accreditation, demonstrate experience working with insurance adjusters and claims processes, and have documented case studies of completed restoration projects.

Eurohouse Construction holds all of these credentials and has completed insurance restoration projects across West Vancouver and the North Shore. View our credentials and certifications.

Yes. We work directly with insurance adjusters, independent adjusters, and loss consultants throughout the claims and reconstruction process. We prepare detailed scopes of work, provide line-item estimates in formats adjusters require, coordinate site inspections, and manage supplemental claim approvals when additional damage is discovered during reconstruction.