When disaster strikes, not all damage is created equal. Some situations—especially those caused by hurricanes, flooding, or fire—can result in major destruction to a home, business, or large property. In those cases, you may need more than just a quick repair estimate. You need a large-loss assessment.
But what exactly is a large-loss assessment? And how do you know when it’s time to call in the experts in Naples, FL and surrounding areas like Bonita Springs, Marco Island, Estero, and Golden Gate?
Let’s break it down in plain terms.
What Is a Large-Loss Assessment?
A large-loss assessment is a comprehensive evaluation of significant property damage—typically the kind caused by major events like hurricanes, fires, or severe water intrusion. The goal is to fully document the scope of damage and outline the real cost of repair and restoration.
This type of assessment is different from a standard insurance adjuster’s visit. A large-loss assessment dives deeper and often involves:
- Structural inspections
- Mold and moisture evaluation
- Material loss documentation
- Safety and compliance checks
- Estimation for complete rebuild or remediation
- Review of insurance policy coverage in relation to the damage
At QCI, we specialize in this level of evaluation and have the tools and experience to handle complex loss situations across Southwest Florida.
When Do You Need a Large-Loss Assessment?
You don’t need one for every leak or cracked tile. But there are situations when calling a professional for a large-loss evaluation is not only smart—it’s necessary.
1. Severe Water Damage from Storms or Burst Pipes
If your home or business in Naples or Estero floods due to heavy rain, storm surge, or plumbing failure, the damage may not be immediately visible. Water behind walls, under floors, and in HVAC systems can lead to long-term structural issues and mold growth.
2. Fire and Smoke Damage
A fire can cause far-reaching destruction beyond what’s visible. A large-loss assessment helps evaluate not just burned areas, but smoke-damaged materials, water damage from firefighting efforts, and the structural integrity of your property.
3. Hurricane or Wind Damage
In areas like Bonita Springs and Marco Island, strong wind and hurricane damage can cause roof failures, shattered windows, and water intrusion. A surface inspection won’t cut it. You’ll need a full scope report for insurance and contractors.
4. Multi-Unit or Commercial Property Loss
If you manage a condo complex, hotel, or commercial building in Collier County, a large-loss assessment ensures you’re accurately documenting the damage for multiple units and higher-value insurance claims.
5. Disputes with Insurance Companies
Let’s be real: insurance adjusters don’t always get it right. If your insurance payout seems low for the level of damage, an independent large-loss assessment from QCI can provide the facts you need to challenge a low offer.
Why Trust QCI with Your Assessment?
QCI brings over 28 years of experience in mold remediation, structural assessment, and property restoration throughout Southwest Florida. We don’t cut corners, and we don’t just give ballpark numbers—we provide accurate, detailed, and legally defensible assessments you can count on.
Our team uses cutting-edge tools like infrared imaging, moisture mapping, and hydroxyl generators (for safe mold treatment) to inspect and diagnose everything from water intrusion to hidden mold colonies.
We’re also one of the few companies in the region offering expert witness consulting—so if things get legal, you have backup.
Cities We Serve
Whether you’re in the heart of Naples, just north in Golden Gate, out in Estero, or along the coast in Marco Island and Bonita Springs, we’ve got you covered. We also serve nearby communities like Fort Myers, San Carlos Park, Vineyards, and Immokalee.
Contact QCI Today
QCI is based in Naples, Florida, and proudly serves homeowners, property managers, and business owners throughout Collier and Lee Counties.
📍 Location: Naples, FL
📞 Phone: (239) 777-2875
🌐 Website: www.qci-online.com
Don’t Wait Until It Gets Worse
If you’ve experienced serious property damage, don’t rely solely on an insurance adjuster or guesswork. Get a proper large-loss assessment from the experts who know what to look for and how to document it the right way.
👉 Call QCI today for a free consultation or visit qci-online.com to request service.
We’re here 24/7—because big damage doesn’t wait, and neither should you.
