Frequently Asked Questions

Rebuilding your home after a fire can feel overwhelming. At 1st Choice Development, we are committed to guiding you through every step with clarity, transparency, and compassion. Below are answers to common questions families ask during the rebuilding process.

Insurance and Financial Questions

Will you work directly with my insurance company?

Yes. We coordinate with your insurance adjuster to ensure your scope of work aligns with your policy coverage and documented damages.

What if my insurance payout isn’t enough to rebuild?

We carefully review your estimate and discuss options such as value engineering, financing solutions, or phased upgrades.

Can I make upgrades during reconstruction?

Yes. Many homeowners choose to modernize layouts, finishes, or systems. We clearly outline what is insurance-covered versus elective upgrades.

How are payments structured?

Payments are completed in agreed-upon phases tied to construction milestones to ensure transparency and accountability.

Can I use Additional Living Expenses (ALE)?

If included in your policy, ALE can help cover temporary housing and related costs during reconstruction.

The Rebuilding Process

What are the first steps?

The process includes site evaluation, insurance scope review, architectural planning (if needed), permit approvals, and construction scheduling.

How long does rebuilding take?

Timelines vary based on home size, permitting, and material availability. Most full rebuilds take several months.

Do I have to rebuild the exact same home?

No. You may rebuild the original design or modify your layout, provided it complies with current building codes.

Who handles permits and inspections?

We manage all permitting, city coordination, and required inspections to ensure your home meets updated standards.

What happens if additional damage is discovered?

If hidden damage is found, we document it and coordinate with your insurance provider before proceeding.

Can we build like-for-like?

Visit our start your rebuild page to learn how to get involved. Whether you build, donate, or simply show up, your presence counts.

Can I add an ADU? How can I qualify?

Visit our start your rebuild page to learn how to get involved. Whether you build, donate, or simply show up, your presence counts.

Design and Construction

Do you provide design-build services?

Yes. We assist with architectural plans, design selections, and full construction management for a streamlined experience.

Can you incorporate fire-resistant materials?

Absolutely. We prioritize fire-resistant materials and updated safety features whenever possible.

How will I receive project updates?

You will have a dedicated point of contact and receive regular progress updates throughout construction.

What warranties do you provide?

We provide workmanship warranties in addition to manufacturer warranties on materials and installed systems.

How do you manage subcontractors and quality control?

We work with trusted, licensed subcontractors and conduct routine quality checks to ensure high standards are maintained.

Choosing the Right Contractor

How can I protect myself from contractor fraud?

Always verify licensing, insurance, references, and written contracts. We are fully licensed, insured, and transparent in our agreements.

Can I see examples of previous projects?

Yes. We are happy to share project examples and client testimonials upon request.

Are you licensed and insured?

Yes. We carry the required licensing and insurance to operate professionally and responsibly.

Support beyond Construction

Is it normal to feel overwhelmed?

Yes. Rebuilding is not only a construction project but an emotional journey. We approach every client with patience and care.

Can you help connect us with additonal resources?

We strive to be a resource beyond construction and can help guide you toward trusted local support services if needed.