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There is never an out of pocket charge to the customer! L2M has the only proven method that wraps all facets of a complex process to eliminate the headaches, fraud, and waste generally associated with insurance claims and construction

"I am the president of a homeowners association based in Denver, CO. My experience working with L2M has been great. We dealt with a large hail claim on 10+ buildings. Chris helped me understand our options and worked diligently for our community to make sure every single detail was properly handled. The L2M team exceeded our expectations when working with the insurance company, managing contractors, and communicating with homeowners quickly. I trust Chris, Clint, and their team to provide quality service and friendly advice - I would definitely use them again. Thank you!"

—  Robert O.


Claim Pitfalls

  • Insurance carrier tactics

  • Failing to mitigate further damage

  • Accepting funds from contractors

  • Failing to document damage properly

  • Pre-existing damage

  • Deferred maintenance

  • Filing late

  • Fraud

Construction Pitfalls

  • Hiring a roofer as a “general contractor”

  • Contractor fraud

  • Lack of construction management skills

  • Signing bad contractor agreements

  • No control of funds

  • No insurance funds oversight

  • Unqualified or conflicted trades

  • Misallocation of insurance funds

  • Contractor-induced liabilities



L2M was established to provide additional protection of the client’s properties not covered by insurance. Our proven method is designed to ensure the asset’s indemnification by combining Pre-Loss Strategies, Active Loss Negotiations, and Construction Management.​

  • L2M has developed a comprehensive plan to guard against the rising cost of insurance premiums and exorbitant deductibles.

  • Our Unique approach is practical no matter where you are in the process and virtually eliminates carrier objections.

  • Once enrolled, L2M actively tracks natural disasters that may affect your investment. Often, we know you have damage before you do and already have a customized plan in place to handle your loss.

  • L2M manages the loss from beginning to end, returning your asset to a better than pre-loss condition.

  • L2M creates final audit documentation substantiating the claim, repairs, warranties, leans release, COA, safety plans, OSHA documents, and more. 

  • Our licensed experts inspect for damages and viability before a claim filed,  then negotiate your loss to ensure indemnification.

  • L2M tracks the latest carrier requirements to ensure full recovery of insurance proceeds, including depreciation.

  • L2M specializes in large scale construction management using local contractors who are experts in their field and leaders in their industry. Our model uses CMAA guidelines to document your claim, repairs, and warranties necessary to operate in this ever-changing environment.


How are L2M services free to me?

L2M works on contingency; the client is never charged for services

My insurance agent can handle my claim, right?

No, insurance agents sell policies based on the customer’s needs. Insurance agents do not negotiate claims or manage the construction of your loss. The agent is often caught in the middle between the customer and the carrier when a claim goes bad.

I know insurance fraud is everywhere in the industry, how can I stay out of trouble?

Hire a knowledgeable company that specializes in insurance claims and construction.

Doesn't my property manager know how to handle my loss?

Depends on the manager, most managers are not adequately trained to handle construction on a large scale, especially when tangled with an insurance claim. 

Can't my contractor negotiate my claim for me?

No, only a licensed Independent Adjuster (IA) or Public Adjuster (PA) can or should negotiate a claim on your behalf. Claim negotiations are complicated matters that take a skilled individual to ensure that all damage is identified and paid according to your policy.

I want one company to handle everything, who should I hire?

Hire a company specializing in the insurance process and insurance construction with a verifiable track record of success.

Should I use a Roofer/GC?

No, Roofer GC’s are only concerned with the roof and gutters; your structure may have more damage that only a specialist can identify and document. 

Doesn't my property manager know how to do construction?

Yes and No, minor repairs are a challenge, let alone a large loss project caused by Fire-Wind-Hail-Flood. Only a construction professional (CCM) should be allowed to manage your construction.

What is a Construction Management?

“A professional management practice applied to construction projects from inception to completion to control time, cost, scope, and quality.” *CMAA

Is hiring a CCM (Certified Contruction Manager) that important?

Yes, only a credentialed CCM understands the extensive construction process and can ensure that your construction runs smoothly to meet the carrier’s ever changing demands.

I have a high deductible, should I file a claim?

If your damage is equal to your deductible, then you may not want to file. If, however, if the carrier’s estimate of loss is the only evaluation given, you may have considerably more damage than was initially stated, so filing a claim makes more sense.

Can my contractor pay my deductible for me?

No, it is illegal for a contractor to pay any part of a claim on behalf of the insured, whether directly or indirectly.

Is there a way to lessen the financial blow of a high deductible, legally?

Yes, L2M has several ways to minimize the pain of a high deductible that is not only legal but supported by the carrier.

Can I keep the insurance money and not do the work?

Sometimes, but not without risk. You can keep the initial funding (ACV) and not do the work, but in doing so, you will forfeit the balance of your claim (Depreciation), sometimes as high as 90% of the claim dollars. Additionally, if you have unrepaired damage, those items can be excluded in your next policy.