OUR APPROACH
Precision. Transparency. Collaboration.
At 3D, we deliver claim outcomes through a disciplined process that blends early engagement, advanced documentation, ethical advocacy, and expert execution. From day one, we set the right tone, align stakeholders, and build a defensible claim file that speeds agreement and reduces friction.
Why Early Engagement Matters
Getting involved early allows us to capture the loss accurately and factually inform reserve setting before decisions are made on incomplete information. Early clarity benefits everyone:
-
Accurate Reserves: Prevent carrier under reserving that can slow the claim.
-
Clean Documentation Trail: Establish facts before conditions change.
-
Early Policy Review: Understand coverages and limits early to make a financially sound plan and not spend proceeds on duplicative or unnecessary work. Avoid accidental and unintended pitfalls by reviewing and understanding the coverages in your policy. Misunderstandings or uniformed speculation can raise red flags, send a claim to SIU, or even lead to improper denials of your claim, slowing it down.
-
Faster Alignment: Reduce back-and-forth by setting a shared baseline and setting expectations of open dialogue.
-
Confidence for Stakeholders: Owners, carriers, and vendors see a structured path forward.
-
Rewind Takes Time: Getting involved later into a claim is possible, but it often means backing up and starting from the beginning to ensure proper process. Certain parts of a claim, however, only get one bite at the apple and cannot be unwound (e.g., proper damage documentation if debris has been removed).
Technology-Forward
Documentation & Measurement
We invest in tools that produce precise, defensible evidence:
-
Matterport 3D Scans: Immersive, measurable digital twins for room-by-room and exterior verification, quantities, and remote reviews. Our team is equipped with Pro3s.
-
3D Drone Mapping: High-resolution aerial surveys for roofs, siding, and windows on complex structures, enabling better visibility and recall of inaccessible areas. Our team is equipped with DJI Matrice 4T (Thermal Cameras).
-
Photo & Roof Reporting: Comprehensive, time-stamped images with location references (e.g., CompanyCam), Roof documentation and measurements (Hover Reports).
-
Loss Measurement Tools: From standard industry damage estimating software, Xactimate, to tools much as moisture meters and FLIR thermal cameras, 3D ensures its team has the highest quality and reliable tools.
-
AI/Legal/Compliance Tools: Our team uses LexisNexis paired with Protégé, leveraging its comprehensive repository of authoritative content along with our own proprietary documents, past work, and other firm or organizational knowledge. This tool comes with state-of-the-art encryption and privacy technology, and allows us to stay up to date with regulatory, statutory, and other legal changes shaping the industry and impacting your claim.
Result: No detail overlooked; measurements tied directly to visuals; a claim file that stands up to scrutiny and second-guessing halfway through a claim.
A Collaborative First Carrier Meeting
The initial meetings can set the tone for the entire claim. We prioritize collaboration over confrontation:
-
Share Early Work Product: Initial sketches, measurements, and scope.
-
Align on Facts: Validate quantities, materials, and damage pathways.
-
Clarify Next Steps: Define investigation needs, vendor deliverables, and timelines.
Transparency at the outset builds trust, accelerating agreement and minimizing unnecessary friction. Our goal is not to fight with your insurance company unless we must; our goal is to take the burden of claim handling off both you and them for a fair and favorable result based on facts.
Expert Estimating, Content,
& Professional Support
Our inhouse estimating teams produce detailed, transparent scopes, with support for what we write. When complexity demands, we offer to engage our vetted expert network, or work with your:
-
Structural and forensic engineers
-
Industrial hygienists and environmental testing professionals
-
Roof and building envelope specialists
-
Restoration and specialty trades consultants
Outcome: Every component of your claim is backed by the right expertise at the right time.
Vendor Management
& Clear Communication
Large claims have many moving parts. We make them manageable:
-
Consolidated Point of Contact: One accountable lead for the client and carrier, 3D.
-
Coordinated Scheduling: Site access, scans, engineering visits, and testing windows are managed by our office as required.
-
Deliverable Tracking: Checklists, due dates, and quality controls.
-
Status Updates: Agreed cadence and assigned team to work on your claim.
Order and clarity shorten timelines and reduce duplicative work.
An Ethical, Detail-Driven Approach
Integrity is the core of our practice:
-
Accuracy Over Feigned Advocacy: We advocate with facts, not exaggeration and hyperbole. It is the shortest distance between point A and B, and when that means getting your business up and running or getting back into your home, time is money.
-
Transparency: We share our work product and sources; our file tells the complete story.
-
Privacy & Confidentiality: Sensitive information handled with care and limited access.
-
Conflict-Free Recommendations: Vendors and experts selected for fit and capability—not convenience.
Our reputation as trustworthy, accurate, reasonable, and competent are what keep us in business. Our clients reap the benefits of the relationships we have built with carrier adjusters that share a mutual respect for working together to adjust a claim fairly and promptly. It’s why we have had insurance company owners and company adjusters hire us for their property losses.
Learn More About Our Services for a Residential, Commercial, or CAT Claim:
RESIDENTIAL CLAIMS
COMMERCIAL CLAIMS
