Why We Exist
In October 2017, the Tubbs Fire devastated entire neighborhoods in our hometown of Santa Rosa. We watched friends and neighbors lose everything. That alone was difficult, but what came next was even more concerning. Many received insurance estimates that fell far short of the true cost to rebuild their homes.
That’s when we felt called to act…
We started BW Builder because we knew we could help. Bill is a builder who understands the real cost of construction from a lifetime of hands-on experience. Matt spent twenty years guiding people through insurance and financial complexity. Together, we provide what families need most in these moments: clear, honest answers and accurate estimates that reflect what it truly takes to rebuild.
That mission still drives us today. Nearly 600 estimates later, we remain focused on who we serve and why this work matters.
Destroyed homes in the Coffey Park neighborhood
William Wallace, Founder
Bill is a second-generation builder whose passion for construction started early, growing up alongside his father on active job sites. From framing and finish work to understanding the realities of budgets, timelines, and craftsmanship, he learned the business from the ground up through hands-on experience. That practical foundation, combined with a degree in Corporate Finance, gives Bill a unique perspective that blends technical construction knowledge with sharp financial and analytical insight.
He understands what it truly takes to build a home because he has done it himself. That real-world experience is reflected in every estimate, report, and project he touches. Since 2018, Bill has produced nearly 600 Scope of Loss estimates, with none challenged to date. His reputation is built on precision, thoroughness, and an unwavering commitment to accuracy. Clients and colleagues alike know him as someone who pays attention to the details others miss and who approaches every project with integrity and care.
Outside of work, Bill enjoys staying active through soccer, helping friends restore cars and homes, and spending quality time with his young family. At the core of everything he does is a desire to build something lasting, not only through the homes and projects he contributes to, but through the legacy he is creating for the next generation. This firm is an extension of that mission.
Matthew Everson, Founder
Matt started his career inside an insurance company, then spent twenty years running his own financial planning practice. He studied French in college, which he never expected would prepare him for deciphering insurance policies.
He handles client relationships, walks families through the process, and makes sure they understand what they’re entitled to and how to get it.
The cases that stay with him are the vulnerable ones. The older couple, the young family, the single mom, the widow. Faced with a process they do not a stack of paperwork and an adjuster who won’t return their calls. When BW Builder gets their claim resolved and the money released, those clients don’t say “thanks for the estimate.” They say “you’re an angel.” That’s why he does this.
He and Bill wrote the book: Defining the Damages: A Builder’s Guide to Scope of Loss Reports. Outside of work, Matt reads constantly, travels when he can, and never misses a chance to watch soccer with his wife and kids.
When he’s not working, he’s reading, listening to “The Rest is History”, traveling, watching soccer, or spending time with his wife and family.
