Post-Loss Claim Timeline.
What actually happens, hour by hour.

60-minute on-site target across Phoenix Metro. The first hour is the difference between Cat 1 and Cat 2 water — every hour delayed pushes you closer to the next contamination tier and bigger demolition. The dispatcher who answers your call is gathering the data the field crew needs: loss type, severity, access, current contamination state. By the time the truck arrives, the project manager already knows which equipment to bring.

Mitigation phase. The crew stops the loss from getting worse: extracts standing water, tarps the roof, boards up windows, isolates the source. The IICRC Category determination (S500 Cat 1 / 2 / 3 for water, Condition 1 / 2 / 3 for mold, soot type for fire) gets logged as the first entry in the field record. Day-one photos are taken before any disruption. Drying or containment equipment gets installed.

Usually within the first 24 hours. The property owner opens the claim with their carrier (or the property manager does, for commercial). The carrier assigns an adjuster who may visit on-site or do a desk review. DRR's project manager works directly with the adjuster from there: confirming the scope, providing field-log access, answering coverage questions. On large losses the carrier may also assign a TPA (Contractor Connection, Alacrity, Code Blue) — DRR is an enrolled vendor on those networks.

Depends on the IICRC S500 Drying Class (1-4 — see /authority/drying-classes-1-4). Class 1 (small area, low porosity) might dry in 2-4 days. Class 2 (whole room) typically 3-5 days. Class 3 (top-down saturation) 5-10 days. Class 4 (specialty / deep-cavity) 7-21+ days. Daily psychrometric readings (temperature, relative humidity, grains-per-pound) document progress. Adjusters expect the daily log as part of the claim file.

Mitigation stops the loss from getting worse and dries / decontaminates the affected materials — first 1-3 weeks typically. Reconstruction rebuilds what was removed: drywall, paint, flooring, cabinetry, finish carpentry — often weeks to months after mitigation completes. They're priced as separate Xactimate categories. DRR self-performs both under AZ ROC #349012 KB-1 Dual, so single project manager from first call to final walkthrough — no contractor handoff. See /authority/restoration-vs-remediation for the full glossary.

If the loss escalated past Cat 1 water, or if the building has pre-existing mold, or if there's a biohazard component (sewage, trauma, etc.), DRR runs the S520 (mold) / S500 Cat 3 (sewage) protocols in-house. We don't subcontract these phases — the same project manager runs them with HAZWOPER-certified crews. See /authority/sewage-cat3-protocols and /authority/mold-conditions for the protocols.

A supplement is a revised estimate filed when conditions discovered during work require additional scope beyond the original estimate. Common triggers: hidden mold revealed during demolition, moisture migration into adjacent assemblies, concealed building materials, or structural damage exposed during pack-out. Supplements should be filed within 72 hours of discovery with photos and field-log evidence. DRR files supplements proactively with documentation already attached, which is why most clear first-pass review.

A complete claim packet: the Xactimate scope with sketch and F9 notes, IICRC Category / Condition / Class determinations, day-one through close-out photo timeline, daily psychrometric drying log (water losses) or pressure-differential log (mold / Cat 3 containment), post-drying moisture map showing dry-standard achieved, third-party clearance test results when applicable, and a signed close-out letter. Same packet the carrier received — your file matches the claim file.

Direct billing to the carrier is standard for covered losses — DRR submits the scope and waits on the carrier check. The property owner is responsible for the deductible and any non-covered scope. For non-insurance work (preventive care, owner-funded repairs), DRR invoices on standard commercial terms. The first conversation with dispatch covers payment posture so there are no surprises.

Highly variable. A small Cat 1 water loss in a single bathroom might wrap in 2-3 weeks total (mitigation + drying + reconstruction). A large-loss commercial event with multi-floor scope, contents pack-out, and significant rebuild can run 30-90+ days. Healthcare with ICRA 2.0 containment, hospitality with phased reopening, or industrial with regulatory coordination can extend further. The variable that matters most for timeline is reconstruction scope — mitigation + drying is usually 1-3 weeks regardless of loss size.