Best's Insurance Professional Resources

Your Online Portal for Claims Industry Information

Best's Insurance Professional Resources

Your Online Portal for Claims Industry Information

Best's Recommended Expert Service Providers

Disaster Restoration

2219 W. Melinda Lane, Building A, Phoenix, Arizona 85027-2653

Established: 1967

Qualified Member Since: 2002

Arizona Res. Lic. 57542, Com. Lic. 075573

About Us

Kowalski Construction, Inc. is one of the oldest and largest restoration and repair contracting firms in Arizona and is licensed, bonded, and insured for both residential and commercial work. Our services include reconstruction of structures damaged by fire, water, wind, and mold . We provide prompt communication with Project Estimators, Project Managers and field employees. We'll keep you informed with weekly email project updates and provide computerized project scheduling for large losses. We work with all major insurance companies, and have a nationally recognized Customer Service Program. Xactimate estimates and sketches with digital pictures are delivered promptly.

Kowalski Construction has been doing business here in the Phoenix market since 1967 and our primary focus is insurance restoration. During this time we have worked with all of the major insurance and independent adjustment companies giving us a broad insight on claims handling processes and procedures.

We are extremely familiar with 3rd party claims handling and working as part of a team along with the property owner, insurance adjuster and insurer. We understand the individual needs and roles that each plays throughout the claims handling process. Our processes and procedures have been designed around filling those needs in a systematic approach that ensures consistency. We pride ourselves on managing not only the construction project, but the communication to all parties concerned as well.

We believe that strong documentation is in the best interest of all parties and take the lead in doing this from the preparation of the estimate or billing, the included notation and in our computer system, a well documented project helps to avoid problems.

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Services Rendered

  • Reconstruction
  • Fire
  • Property Damage
  • Construction Claims Services
  • Structural Failures
  • Fire, Flood and Explosion Losses
  • Smoke and Odor Removal
  • Windstorms
  • Weather Reconstruction
  • Construction
  • Structural Analysis
  • Consultations
  • Appraisals
  • Expert Witness
  • Complete Structural Restoration Services including Microbial Remediation
  • Unrestricted Project Size for both Residential and Commercial
  • 24-hour Emergency Service
  • Xactimate Estimates and Sketches with Digital Pictures

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Certified Lead Carpenters, Xactimate Certifications, estimated and managed multi-millions of dollars in restoration projects on Public and Private Residential, Commercial, Industrial and Church properties for Insurance Companies, Independent Adjusters, Insurance Agents, Property Mangers, Architects, Engineers, Government, City, State & Federal Agencies

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Professional Memberships

  • Arizona Insurance Claims Association
  • Arizona Multihousing Association
  • Institute of Real Estate Management
  • Better Business Bureau
  • Arizona Assisted Living Federation of America
  • Restoration Affiliates

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Service Area

Serving Metropolitan Phoenix for all project sizes and Arizona for Large Losses.

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Personnel Information


Steven M. Kowalski

Estimator, Operations Manager, President
Project Experience: Estimated and managed over 50 Million dollars of restoration projects on Public and Private Residential, Commercial, Industrial and Church properties for Insurance Companies, Independent Adjusters, Insurance Agents, Property Mangers, Architects, Engineers, Government, City, State & Federal Agencies.

Insurance Company: Expert Witness; Appraiser; Consultant

Project Types:  Biohazard, Burglary, Explosion, Flood, Ground Movement, Hail, Lightning Strikes, Mold Remediation, Police Incidents, Structural Failures, Water, Wind, Vandalism, Vehicle Impact

• Glendale Community College - Glendale, AZ (Estimating, Excel, Construction Technologies, Building Codes, Blueprint Reading)
• Associated Specialists of Cleaning and Restoration Certified Restorer School
• Restoration Specialist Mold Training
  • Seminar Presentations: "Mold Remediation," National Association of the Remodeling Industry, Phoenix 7/12/00
  • "Mold Remediation," National Association of the Remodeling Industry, Phoenix 9/22/00
  • "Remediation of Mold," Semmens Investigative Engineering, Phoenix 2/16/00
  • “Remediation of Mold," Semmens Investigative Engineering, Tucson 2/23/00
  • Seminar Presentations: "Managing The Project, "National Institute of Disaster Restoration, Las Vegas 9/17-18/99
  • "The Mold Remediation Process," Southwest Plant Engineering & Maintenance Show, Phoenix 4/18-19/01
  • "Arizona Mold: Signs, Prevention, What to Do," Modular Building Institute, Phoenix 11/9/01
  • Water Restoration Technician & Applied Structural Drying
  • Fire & Smoke Restoration
  • Odor Control
  • Hazard Communication Training

James R. Kowalski

Estimating, Sales, Marketing and I.T.
Building Codes, Real Estate, Methods of Construction, Construction Estimating, Architectural Drafting, First Aid, Windows Level I & Level II, Basic and Advanced Word Processing - Word, Database Management - Access, Microsoft Excel and Introduction to Management

Project Experience: Since 1979, involved in thousands of Public and Private Residential, Commercial, Industrial and Church properties for Insurance Companies, Independent Adjusters, Insurance Agents, Property Mangers, Architects, Engineers, Government, City, State & Federal Agencies. Represented Insurance Companies as an Expert Witness, Appraiser and Consultant

Project Types:  Biohazard, Burglary, Explosion, Flood, Ground Movement, Hail, Lightning Strikes, Mold Remediation, Police Incidents, Structural Failures, Water, Wind, Vandalism, Vehicle Impact

Industry Participation Wrote many editorials and articles that have been published and appeared on numerous radio and television shows relating to the industry. Member of Round Table Group consortia of consulting experts. Member of Strathmore’s Who’s Who.

• Grand Canyon College - Phoenix, AZ
• Glendale Community College - Glendale, AZ
• Phoenix College - Phoenix, AZ
• Rio Salado Community College - Phoenix, AZ

• National Institute of Disaster Restoration - 2001 Board of Directors
• Arizona Mutlihousing Association
  • Seminar Presentations: "Large Loss Marketing," National Institute of Disaster Restoration, Las Vegas 9/17-18/99
  • "Marketing Large Losses," National Institute of Restoration, Pittsburgh 10/13-17/99
  • "Industry Changes," Semmens Investigative Engineering, Tucson 2/16/00
  • "Industry Changes," Semmens Investigative Engineering, Phoenix 2/23/00
  • "Sales & Marketing - Successful Integration," Association of Specialists in Cleaning and Restoration National Institute of Disaster Restoration, and Water Loss Institute, Colorado Springs 3/7-11/01
  • "Mold - But It's Dry in Arizona!," Semmens Investigative Engineering & Aerotech Labs, Phoenix 10/18-19/01
  • "Mold - But It's Dry in Arizona!," Arizona Multihousing Association Education Conference & Trade Show, Phoenix 5/10-11/01
  • "Mold Issues For Landlords in Arizona," Lorman Education Services, Phoenix 8/19/2003
  • “Building Codes,” Lorman Education Services, Phoenix 10/27/10
  • “Building Codes,” Arizona Multihousing Association Independent Rental Owner’s Council, Phoenix 12/21/10
  • “Xactimate Tips & Tricks,” Xactware User Conference, Salt Lake City 2/17/11

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Restoration Division Staff

Tony Taylor

Experience includes supervisory, managing crews, field supervision and purchasing. Multi-faceted project management experience from 1,000 to over 1,000,000. Varied estimating experience from 1,000 to 7,500,000. Well versed in reading and understanding construction blueprints.
  • Certified Restoration Technician, Restoration Industry Association, McKees Rock, PA, 2009
  • Contents Restoration: Process and Handling, Restoration Industry Association, Phoenix, AZ, 2009

Jason A. Todd

Production Manager
Since 2003, Jason has held many positions for the company including Lead Foreman, Certified Mold Technician, Emergency Services Manager, Purchaser and Production Manager. He has a proven track record of managing large, complex projects while providing exceptional quality control and customer service. He is an excellent communicator who can troubleshoot difficult project issues and deliver results promptly. He remains calm and collected even in the face of hectic demanding schedules.
  • 2009 Certified Mold Technician
  • 2010 Certified Bio-Clean Technician
  • 2010 1-800-BOARDUP Fast Track

Brandon S. Kowalski

Account Executive
Brandon has been with Kowalski Construction for a total of 9 years. He has worked as an Estimator and Project Manager since 2011. Experience includes: Mold Remediation, Water Extraction, and Structure Drying, Emergency, Service Lead Technician, Foreman.

• 1-800-BoardUp Fast Track Training
• Unsmoke System and Procedures Water Damage Restoration, 2009
• IICRC Water Damage Restoration Technology, 2009
• EPA Lead, 2010
• International Residential Codes, 2011
• IICRC Odor Control Technician, 2012

Gil Chasse

Electrical Division Manager
Experience includes superintendent and general construction duties. Qualifying party for K-11 Electrical License, State of Arizona; Project Manager & Superintendent; Facilities Manager. Gil has completed training in: Hazardous Material, State of Arizona, Emergency Management; Fundamentals of Electronics, Electric League of Arizona; Preventive Maintenance, ASU Center for Executive Development; Coaching and Counseling Skills for Managers, Padgett-Thompson; Brown Control Systems Level 1 Program & Maintenance School.

  • United States Army, Paratrooper, 1966 -1969
  • Open Water Diver
  • 10 Hour OSHA Course
  • Total Quality Management Executive Briefing

David Polnoff

25 years Estimating & Project Management over 70 million dollars of restoration, new construction, custom home, commercial restoration and tenant improvement and historical restoration.

Project Types: Fire, wind, vehicle impact, structure failures, explosions, ground movement, new construction & custom homes.
  • California Contractors License
  • Lead Safety RRP Certified

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Executive Personnel

Natasha Balboa

Executive Assistant

Years of Experience: 19

Natasha has been with Kowalski Construction since April of 2014. She has worked in the construction industry for over 13 years in both residential and commercial, her experience includes Office Administration, Accounting, and over 15 years of Customer Service. 

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Tina Goodrich

Tina has been with Kowalski Construction since June of 2014. She has worked as a Controller in the Construction industry for over 30 years. 

Her experience includes Restoration, Remediation, Remodeling, General Contracting and Subcontracting in both Commercial and Residential markets. 

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Wendy Bowen

Accounting Assistant
Wendy has been with Kowalski since January of 2014. She has over 35 years in the accounting field. Training in Risk Management, Discrimination and Harassment Laws, Payroll, and Human Resources.

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Administrative Team

Katie Bednarek

Project Administrative Assistant
Katie has been with Kowalski Construction, since January 2016 as the office administrative assistant.

Rita Petty

Administrative Assistant/Collections
Rita joined the Kowalski Construction team in 2017, bringing her past experiences of over 30 years in marketing, sales, negotiation, remediation, and event planning/directing.

Chaya Rodriguez

Customer Service/Receptionist
Chaya is our newest addition to the Kowalski Construction team. She brings experience in customer service, hospitality, and extensive administrative services. She is passionate about photography and has created her own photography business as well as a thriving blog site.

Jason Wood


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Technical Personnel

Matthew Klug

Matthew Klug is the Network Administrator at Kowalski Construction and he has worked here for over a year. He has over 6 years of experience in the IT industry and specializes in networking, system administration, and IT security.

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Health and Safety

Joshua Workman

Safety Manager

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Restoration & Remediation Magazine Case Study Article

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You Tube

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High Profile Cases

7263-02-S Sabino High School -- Description: Six weeks before the opening day of school, a small fire in an art room escalated to a level that would cause enough fire and smoke damage to jeopardize opening of Sabino High School. Although the administration and teaching staff of the school offered to clean all of the fire and smoke damage themselves. A Kowalski Construction estimator inspected the damage and knew that this was a daunting task. A 36,000 square foot area had been smoke damaged. Everything in the High School would have to be inventoried, from bookcases and books, down to each pencil. The School District and the principal hired Kowalski Construction. We removed and replaced all of the acoustic tiles in every classroom and the drywall ceiling in both hallways. Over 75% of the ductwork needed cleaning and the sheet metal for a very large HVAC unit was removed and replaced. The classroom that was burnt had to be demolished and rebuilt. The entire interior of the building was painted. It took a mere 6 weeks to have 40 classrooms ready for 40 teachers to go to work. The mission was accomplished on time with everything in its place and kids coming through the doors just as planned. The principal, Rusty Doty, was quoted as saying "A school district which has used several contractors has never been taken care of as we have been." 

9045-01-S Rousseau,Will/W.Berridge Ln -- Description: This Architectural Digest Candidate home located in an exclusive Phoenix neighborhood suffered almost 300k in fire damage. The reconstruction was completed to current code standards and included some convenience modernizations without adversely impacting this home's classic feel. Creative construction methods were employed that reduced costs, protected the homes distinctive features, reduced exposure to the elements and preserved the inherent beauty of real hardwood floors, ornate crown molding, custom cabinetry, detailed fireplaces and wainscoting. 

Faced with concerns of devaluation we were not only able to completely accomplish our restoration goals but actually improve the value of an already magnificent home. We built boxes around the existing cabinets rather than risk damage to them during removal and reinstallation, protecting the cabinets during the construction process. The existing bathroom cabinetry was raised up to modern heights and the mirrors above them were replaced with full length pieces extending all the way to the ceilings. Damaged wallboard was removed up to the bottom of extremely ornate crown molding so that it could be left in place to reduce the possibility of damaging it during removal and reinstallation. The elaborate stairway and railing were removed, cataloged, refinished and reinstalled to avoid replacement. Shut off valves were added behind the wall for concealment for the new claw tub that we installed since the existing plumbing system was plumbed directly to the faucet.

After his inspection, a structural engineer identified the need to remove an exterior 2nd story bearing wall and the roof framing it was carrying in order to remove and replace the damaged 2nd story trussed floor joists. We were able to remove an interior wall instead and replace the joists from within the building envelope resulting in costs savings and preventing exposure to the outside elements.

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