INSURANCE-PREFERRED CONTRACTOR
A fire, flood, or storm event in a multifamily property leaves a narrower margin for error than a single-family loss. Multiple units are affected, and tenants are displaced. The insurance file has to hold up to commercial adjuster scrutiny. Reconstruction has to be sequenced around partial occupancy, communicated clearly to residents, and documented in a way that satisfies a commercial insurance file.
REACH OUR COMMERCIAL TEAM
Ask specifically for a commercial project manager when you call.
Available 24/7 for emergency response in the Sacramento area only.
Multifamily Building RECONSTRUCTION
Most residential contractors aren’t built for multifamily work at scale. Here’s what DH Construction brings specifically:
Multifamily insurance claims are documentation-intensive, and the gaps that cause delays are almost always in the scope, not the policy. An adjuster who receives a disorganized estimate for a 12-unit fire loss will slow down. One who receives a clean, unit-by-unit Xactimate scope with photo documentation and a reconstruction schedule tied to loss-of-rents will move.
As a preferred and contracted vendor for multiple major commercial carriers, DH Construction’s documentation is already in the format your adjuster works with. Supplements for hidden damage, code upgrades, or scope expansions are handled by our team, not handed back to you to negotiate.
Multifamily insurance claims are among the most documentation-intensive in the property reconstruction industry. A well-managed claim requires a master scope that clearly delineates unit-by-unit damage, documentation of common area and shared-system losses, and loss-of-rents support documentation tied to the reconstruction schedule.
As an industry leader in reconstruction and damage restoration, DH Construction’s documentation is already formatted to meet the standards your adjuster is working with. When supplements are needed for hidden damage revealed during demolition, code-required upgrades, or scope expansions from adjacent unit damage, our project managers handle the carrier communication.
The differentiators that matter to property managers, risk managers, and commercial adjusters.
Carpenters, electricians, plumbers, and finishers on staff, not subcontracted. Faster mobilization, better quality control, single accountability.
Active project volume means experienced crews and established carrier relationships across all major commercial markets. For office, retail, industrial, and institutional buildings, see our commercial restoration services.
Dedicated project management protocols for high-dollar, multi-system, or multi-tenant events.
Estimates prepared in the format carriers require, with proper commercial pricing and code upgrade documentation.
HOW WE WORK
A structured, transparent process designed for commercial property managers and their insurance carriers.
1
Board-up, tarping, site security, and utility isolation to stop additional damage and secure the property immediately after the event.
2
Unit-by-unit inspection to establish the full damage envelope, including adjacent units affected by smoke, water migration, or structural impact.
3
Xactimate estimate organized by unit and common area, formatted for commercial adjuster review and structured to support the loss-of-rents documentation. On-site walkthrough with the carrier’s adjuster to resolve scope questions before demolition begins.
4
Unit-by-unit timeline provided to property management for tenant communications and loss-of-rents documentation.
5
Units sequenced for reconstruction based on damage severity, tenant displacement status, and access logistics.
6
All permits pulled and passed. Units returned to tenants with occupancy confirmed.
You get a dedicated project manager as your single point of contact. We provide a written unit-by-unit reconstruction schedule so you can give tenants accurate return dates and manage the displacement period. Our documentation also supports the loss-of-rents portion of your claim, so the file your adjuster receives connects the reconstruction timeline to your income loss.
Yes, tenant-occupied reconstruction is standard for our commercial project teams. We isolate active work areas from occupied units, manage access and noise per occupied-building protocols, and sequence work to minimize disruption to residents who haven’t been displaced. This requires tighter coordination than a vacant building, and our in-house crew model makes it practical.
We prepare a master Xactimate scope, organized unit by unit and by common area. Each affected space is documented separately so the insurance file is clean and auditable. When supplements are needed (for concealed damage, code upgrades, or scope expansions due to adjacent-unit damage), we handle the carrier communication. We’re a preferred and contracted vendor for major carriers, which means your adjuster already knows our documentation standards.
Typically, the building owner’s policy covers the structure and building systems; the tenant’s renter’s insurance covers their personal property and sometimes additional living expenses. DH Construction’s reconstruction scope covers the structural and building-system side. We document the structural damage separately from any contents loss, which keeps the files clean for both carriers.
WHERE WE SERVE
Call us to reach our team from any service area. For large-loss inquiries, ask specifically for a commercial project manager.
TALK TO A SPECIALIST
For large-loss inquiries, business interruption events, or multi-tenant losses, ask specifically for a commercial project manager when you call.
CALIFORNIA
Sacramento County and the greater Capital Region, including Elk Grove, Roseville, Folsom, and West Sacramento.
CALIFORNIA
Butte County commercial reconstruction, including retail, multi-family, and institutional properties.
NEVADA
Washoe County commercial reconstruction, including the Reno-Sparks metro commercial corridor.
Multi-Unit Building Reconstruction
Call DH Construction, your dedicated project management, 50+ in-house tradespeople, and insurance-preferred status across Sacramento, Chico, and Sparks/Reno.