Types of Loss/Commercial/Water Damage

One Loss. Multiple Stakeholders. A Scope Built to Separate Cleanly.

Condos, apartments, offices, and healthcare facilities rarely involve a single responsibility. Atlas structures the estimate by unit, common area, and responsible party while accounting for after-hours labor, phasing, access, logistics, and the realities of an occupied building.

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The Process

On a single-occupant building the estimate is written building-wide. On condos, apartments, and multi-tenant buildings, Atlas writes it by unit and by common element, from a measured sketch, top down and trade by trade, and follows the water through every floor and chase it reached. Where the line between the association's scope and the unit owner's falls is the adjuster's call; the estimate is built so that line can be drawn through it without rewriting anything.

Where Scopes Come In Short

It Went Further Than the Stain

Water takes the path of least resistance. A loss on the twelfth floor can spare nine through seven and wreck six through a pipe chase. Every unit and every common area the water could have reached gets inspected, not just the ones with a ceiling down.

Units and Common Elements Are Separate Scopes

Corridors, chases, elevator lobbies, and mechanical rooms are written apart from the units, and each unit is written on its own, so the file divides without anyone re-measuring.

Rated Assemblies Go Back to Their Rating

Corridor walls and floor-ceiling assemblies are rebuilt to the rating, with the Type X board, fire caulk, and rated door hardware that means. Written as like-for-like, they aren't.

An Occupied Building Is a Different Job

After-hours labor, dust barriers, and phasing by floor. Elevator limits that decide whether a carpet roll gets carried up or cut on the loading dock. Dumpster distance on a medical campus, and the ICRA plan the infection-control nurse asks for before a wall opens. All of it is general conditions, and most of it is left off.

Code Note

Commercial rebuild that touches rated assemblies, egress, or accessibility is written to current requirement, with the difference over like-for-like on its own line.

What Comes Back

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One estimate written per unit and per common element, top down and trade by trade; rated assemblies back to their rating; after-hours labor, protection, phasing, and building logistics named as general conditions. Photo report by unit and by common area. Measured sketch.

Other Types of Loss

Ice Dams & Frozen Pipes

Residential

Roof & Snow Load