All Insurance Claims articles published on the Anajur blog. How insurance claims actually move from first call to Recoverable Depreciation release — Xactimate scope writing, ACV vs RCV, supplemental scope filings, public adjuster coordination, denied claim appeals, and what insurance carriers actually pay for. Written by Jouri, founder of Anajur Construction Corp., NYC DCWP HIC #1220350-DCA. Combined GC license and IICRC S500 capability under one contractor since 1997. New Insurance Claims articles published monthly.
All Insurance Claims articles published on the Anajur blog. Every post written by Jouri, code-cited to IICRC standards and NYC building codes, based on 28 years of writing Xactimate scope for adjusters across major carriers. New articles in this topic published monthly.
The complete insurance claim guide for water-damaged bathroom rebuilds on Staten Island. IICRC S500 mitigation, Xactimate scope, ACV vs RCV, supplemental filings, public adjusters, NYC code compliance. The deepest single piece on the Anajur blog — 5,864 words of code-cited authority from 28 years of insurance reconstruction work.
One Insurance Claims article published so far — the flagship 18-minute guide above. More Insurance Claims articles published monthly. Subscribe below to get notified when new articles are published.
Insurance claims are where Anajur lives day-to-day. We write Xactimate scope, coordinate with adjusters across major carriers, file supplemental scope for hidden damage discovered during demolition, and execute rebuilds at the Recoverable Depreciation that gets released after work completion. Most contractors either avoid insurance claims entirely or hire third-party estimators. We write our own scope under one NYC HIC license.
The Insurance Claims topic is one of five topics where Anajur writes deeply. Each topic reflects a real area of operational authority — we don't write about topics we don't actively work in.
IICRC S500 categories explained. What the first 48 hours determine. Mold colonization thresholds per S520. Cast iron stack failure in pre-1970 SI homes. The damage side of what insurance pays for.
How a bathroom remodel actually moves week by week. NYC permit requirements. What's behind the walls of pre-1980 SI homes. 2025 Cost vs Value Report data. ANSI A118.10 waterproofing standards.
2025 CvV 96.1 percent ROI on minor kitchen remodel. Cabinet lead times that drive the entire project schedule. NEC 210.52(B) circuit requirements. Why PEX isn't allowed in NYC kitchens.
Alt-2 vs ordinary repair. Local Law 14 of 2020. The 2025 NYC Electrical Code. LMP and LME requirements. ACP-5 asbestos filings. What "law and ordinance" coverage means for your claim.
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Common questions about Anajur's Insurance Claims blog topic, our claim workflow, how we work with carriers and public adjusters, and how to start a claim. For technical questions about specific claim situations, see the articles above; these are blog-topic-level questions.
The Insurance Claims topic covers the money side of damage claims — how claims actually move from first call to Recoverable Depreciation release. Xactimate scope writing, ACV vs RCV, supplemental scope filings, public adjuster coordination, denied claim appeals, and how Staten Island carriers handle claims. Articles are written by Jouri, founder of Anajur Construction Corp. and NYC DCWP licensed Home Improvement Contractor since 1997. The Water Damage topic covers the physical damage side; Insurance Claims covers the money side.
Yes. Anajur writes our own Xactimate scope in-house under NYC DCWP HIC #1220350-DCA. Most contractors that work insurance claims either avoid claim work entirely or hire third-party estimators who do not know NYC code requirements. Our scope is written by Jouri directly, based on 28 years of working with carrier adjusters across major insurers. This means our supplemental scope filings are technical and code-cited rather than generic — adjusters approve them faster.
Yes. Anajur works with licensed public adjusters when homeowners hire them. A public adjuster represents the homeowner against the insurance carrier; Anajur provides the contractor scope and technical justification. We coordinate scope language with the public adjuster to maximize claim approval. Public adjusters typically take 10 to 15 percent of the claim payout, so this only makes sense for larger losses. For smaller claims, Anajur's direct scope writing is often sufficient.
Anajur services Staten Island only — all 13 ZIP codes (10301 through 10314, excluding 10313 which is not a valid ZIP). We do not service New Jersey, the other NYC boroughs (Manhattan, Brooklyn, Queens, the Bronx), or anywhere outside Staten Island. Our 28 years of Staten Island insurance claim experience gives us deep knowledge of which carriers move quickly versus slowly on SI claims and how to write scope that gets approved.
Every Insurance Claims article on the Anajur blog is written by Jouri, founder of Anajur Construction Corp. Jouri is an engineer by training who immigrated to America in 1991 and founded Anajur on Staten Island in 1997. He holds NYC DCWP Home Improvement Contractor license #1220350-DCA continuously since founding. Every article is grounded in direct claim-writing experience, not generic insurance content. License verification: a866-dcwpbp.nyc.gov. Permit history: a810-bisweb.nyc.gov.
Yes. Anajur can help with supplemental scope filings and technical justification when a claim is partially denied or scope is underestimated. We write supplemental scope grounded in IICRC S500 standards, NYC Building Code citations, and Xactimate line-item analysis. Fully denied claims often require a public adjuster or attorney; partial denials and underestimated scope are typically resolvable through supplementals. The articles in this topic walk through the supplemental filing process.
Insurance claim payouts work in two parts: ACV (Actual Cash Value, paid upfront) and RCV (Replacement Cost Value, paid after work completion). Anajur typically receives the ACV check at project start and the Recoverable Depreciation after work is documented as complete. We do not require homeowners to pay out-of-pocket for the depreciation portion — that comes from the carrier upon completion. Deductibles are paid by the homeowner directly. We invoice carriers using Xactimate line-items, which matches the carrier's own estimating software.
ACV (Actual Cash Value) is the depreciated value of damaged property — what it is worth today, accounting for age and wear. RCV (Replacement Cost Value) is what it costs to replace the property with new materials. The difference is called Recoverable Depreciation. Most policies pay ACV upfront; you receive Recoverable Depreciation after work is documented as complete. This is why insurance carriers require completion documentation before releasing the final payment. The articles in this topic explain how to document work for fastest RCV release.
Yes. Anajur has worked claims with all major carriers serving Staten Island including State Farm, Allstate, Liberty Mutual, Travelers, Chubb, NJM, and USAA. We write scope in Xactimate (the same software carriers use to estimate), which means our scope arrives in a format carriers can review and approve quickly. We do not have preferred-vendor arrangements with any carrier — we work directly for the homeowner. Some carriers move faster than others on Staten Island; the articles in this topic discuss carrier-specific patterns.
Call Anajur directly at (917) 969-1378 for emergency response or claim consultation. We will assess the damage, write an Xactimate scope, and coordinate with your carrier's adjuster. For non-emergency consultations or to request a free estimate, use the contact form at anajurconstruction.com/contact/. We service all 13 Staten Island ZIP codes and respond within hours for water damage emergencies. Initial scope review consultations are free; we do not charge homeowners to evaluate claim scope or write supplemental filings.
Reach Anajur directly for emergency response within hours. NYC HIC #1220350-DCA. Combined IICRC S500 mitigation and reconstruction under one license. Family-owned on Staten Island since 1997.