11/04/2026
🏠 RECONSTRUCTION AFTER A LOSS: YOU HAVE OPTIONS!
When dealing with an insurance claim, you may hear the phrase “Like Kind and Quality” (LKQ) when discussing reconstruction.
But here's something every property owner should understand:
The reconstruction phase is an opportunity to make informed decisions about rebuilding your property.
Just because your insurance policy references like kind and quality doesn't mean you should assume you have no choices.
As reconstruction begins, there may be options involving:
• Materials and product selections.
• Flooring, cabinetry, countertops, roofing, and finishes.
• Available upgrades or alternative products.
• Design choices and improvements.
• Changes that may require additional out-of-pocket expenses.
The important thing is understanding the difference between what your insurance policy owes for covered repairs and what you may personally choose to change or upgrade.
You don't have to approach reconstruction without asking questions.
Before construction begins, understand the scope of work, review material specifications, discuss available alternatives, and know what is included in your insurance settlement.
Your home is more than an insurance estimate. It's your property, and you deserve to understand your options when rebuilding.
Knowledge before reconstruction can make all the difference!
