AAA Insurance and the Reconstruction Process: A Guide from a Seasoned General Contractor

When disaster strikes—whether it’s a fire, flood, storm, or some other catastrophe—your first thoughts are usually about safety, family, and what’s left of your home. Once the initial shock wears off, reality sets in: you need to rebuild.

That’s where AAA Insurance and a trusted general contractor come in. But let’s be honest—navigating the insurance claims and reconstruction process can feel like learning a foreign language while also dealing with the stress of losing part (or all) of your home.

As a senior-level general contractor with decades in the industry, I’ve seen every type of claim, every type of damage, and every type of insurance battle. I’m here to break down the process in a way that makes sense—so you know exactly what to expect when dealing with AAA Insurance and the reconstruction of your property.

Step 1: Understanding Your AAA Insurance Coverage

Before we get into the nuts and bolts of rebuilding, the first step is understanding what your AAA homeowners insurance policy covers. Every policy is different, but most standard plans include:

• Dwelling Coverage – Pays for repairs to your home’s structure (walls, roof, floors, foundation, etc.)
• Other Structures Coverage – Covers detached garages, sheds, fences, and similar structures
• Personal Property Coverage – Helps replace belongings lost due to a covered event
• Loss of Use (ALE - Additional Living Expenses) – Pays for hotel stays, meals, and extra expenses while your home is being rebuilt
• Liability Protection – Covers you if someone is injured on your property

The key to a smooth reconstruction process is understanding your policy before disaster strikes. If you’re unsure, call AAA and ask detailed questions. Know your limits, deductibles, and exclusions—because surprises in insurance usually aren’t good ones.

Step 2: Filing Your AAA Insurance Claim

Once the damage is done, time is critical. Insurance companies like AAA work on a first-come, first-served basis when disasters impact large areas (think major storms in Texas).

How to File a Claim with AAA Insurance:

1. Document Everything – Take photos and videos of all damage before any cleanup begins. The more proof, the better.
2. Prevent Further Damage – Cover roof holes with tarps, board up broken windows, and take steps to prevent further losses.
3. Contact AAA Immediately – Call their claims department or file a claim online.
4. Meet with the Adjuster – AAA will send an adjuster to inspect the damage and determine how much they’ll pay.
5. Get a Professional Estimate – Don’t rely only on the insurance adjuster’s estimate—bring in a trusted general contractor to provide a realistic reconstruction cost.

AAA will typically process claims quickly, but having your own contractor on board ensures you’re not underpaid. Adjusters often miss hidden damage that only a trained construction professional will catch.

Step 3: Choosing the Right General Contractor for Reconstruction

Once AAA approves your claim, it’s time to select a general contractor to handle the reconstruction. This decision is crucial—choose the wrong contractor, and you could end up with:

❌ Low-quality materials that don’t match your original home
❌ Delays and miscommunication that leave you stuck in a hotel for months
❌ Over-budget surprises that AAA won’t cover

Why Choose Specialty Contractors Inc.?

At Specialty Contractors Inc., we specialize in insurance restoration and reconstruction. We’ve worked with AAA and other major insurers for decades, so we understand the process inside and out.

✅ 40+ years in the industry
✅ Preferred contractor for 35+ insurance companies
✅ Fast-tracked approvals with adjusters
✅ Deep discounts through collective buying power
✅ Awarded “Contractor of the Year” by Contractor Connection

We don’t just rebuild your home—we fight to make sure AAA pays what they should, and we restore your property to pre-loss condition (or better).

Step 4: The Reconstruction Process—What to Expect

Rebuilding a home or business after a disaster isn’t an overnight process. Here’s what you can expect:

1. Demolition & Cleanup

If fire, water, or storm damage has compromised parts of your home, the first step is removing debris and damaged materials. This could include tearing out mold-infested drywall, burnt framing, or soaked insulation.

🚧 Timeline: 1-2 weeks (depending on severity)

2. Structural Repairs & Framing

If your foundation, walls, or roof were affected, we’ll handle major structural repairs first. This ensures your home is safe and up to code before moving forward.

🏗 Timeline: 2-4 weeks

3. Electrical, Plumbing & HVAC

Rewiring, re-plumbing, and replacing HVAC systems happen before walls go up. If fire or water compromised your home’s systems, we’ll make sure everything is up to modern safety standards.

⚡ Timeline: 1-3 weeks

4. Drywall, Flooring, & Interior Finishes

Once the infrastructure is set, we move on to making your home feel like home again—installing drywall, flooring, cabinets, countertops, and paint.

🎨 Timeline: 3-6 weeks

5. Final Inspections & Walkthrough

Before you move back in, we conduct a final quality inspection, ensuring every repair meets industry and AAA’s standards.

🏠 Timeline: 1 week

Total Reconstruction Time: 8-16 weeks, depending on complexity

Step 5: Getting AAA to Pay What You Deserve

Insurance companies aren’t in the business of handing out money. AAA is a reputable insurer, but that doesn’t mean they’ll voluntarily cover every dollar.

How We Maximize Your Payout:

✔ Detailed Damage Reports – We provide comprehensive assessments, ensuring no damage is overlooked.
✔ Negotiation with Adjusters – We work directly with AAA to justify the full cost of repairs.
✔ Supplemental Claims – If hidden damage is discovered later, we handle all necessary adjustments with AAA.

Many homeowners accept the first settlement offer without realizing they’re being shortchanged. We make sure that doesn’t happen.

Common Reconstruction Myths (Debunked!)

🔴 Myth #1: “Insurance Will Cover Everything.”
✅ Truth: Insurance covers what’s in your policy—but exclusions exist, and depreciation can lower your payout.

🔴 Myth #2: “I Have to Use AAA’s Recommended Contractor.”
✅ Truth: You choose your contractor. AAA may suggest companies, but the final decision is yours.

🔴 Myth #3: “I Have to Accept AAA’s First Offer.”
✅ Truth: You can (and should) negotiate if the offer doesn’t fully cover your losses.

Final Thoughts: Getting Your Home Back with AAA and Specialty Contractors Inc.

Rebuilding after a disaster is stressful, but with the right insurance and the right contractor, it doesn’t have to be a nightmare.

AAA Insurance will help cover the cost—but it’s up to you and your contractor to make sure the job is done right, on time, and within budget.



If you’re dealing with a reconstruction project and want a team that understands the AAA claims process, insurance restoration, and quality craftsmanship, call Specialty Contractors Inc.

📞 214-389-5130
🌎 www.callspecialty.com

We’ll handle the rebuild—you focus on getting life back to normal. 🚧🏠💪