KGA, Inc. Construction and Evironmental Consultants

Property Loss Investigations

Property loss claims resulting from fire, flood, wind, earthquakes, fungi, and other causes are sometimes difficult for claims adjusters to settle. Separation of original defects and pre-existing damage from the covered loss requires careful inspection and, in some cases, materials testing.

KGA Services

KGA is an organization comprised of construction, engineering, and business professionals that are skilled at investigating the pre-loss condition and evaluating the fair market replacement cost. Our services include:

• Prompt claim assessment
• Field investigation and document review
• Property background check and review of building permit history
• Construction material failure analysis

• Development of restorative work scope and associated cost analysis, balancing costs of construction and business interruption expenses
• Segregation of code modifications and upgrades from original as-built construction
• Contract documents preparation
• Construction monitoring
• Disaster reconnaissance

KGA Project Experience

• Fire Loss: Following the devastating Laguna Beach fires of October 1993, which destroyed over 400 homes, KGA facilitated the resolution of over 100 first-party property loss claims.

• Earthquake Loss: Within hours of the Northridge earthquake, KGA staff performed reconnaissance of numerous commercial, retail, and residential facilities to ascertain the extent of damage and the suitability for occupancy. Long after the disaster, we continue to assist in the resolution of “hard-to-settle” first party claims.

• Fungi Decay: Most recently, KGA has investigated hundreds of claims related to fungi attack and the resultant decay of affected building components.

KGA Independent Appraiser/Umpire

Aside from our traditional designation as qualified construction experts, KGA routinely serves as an “independent and competent” insurance appraiser or umpire to settle scope of loss disputes and related repair costs covered under the policy.