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Stop leaving money on the table. Our experts distill complex insurance claim supplements, underpaid estimates, and denial strategies into actionable guides designed to help independent contractors and restorers maximize project payouts and focus on their business.
Insights
Our Insights distill complex insurance claim supplements, underpaid estimates, and denial strategies into actionable guides. Designed specifically for independent contractors and restorers, we help you maximize project payouts and focus on growing your business.
Insights
Does Insurance Cover Solar Panel Detach & Reset? What Owned vs. Leased Actually Changes
Most of the confusion around Detach and Reset (D&R) solar panels stems from a single false assumption: that ownership (owned versus leased) determines whether insurance covers the work. It doesn't–at least not on its own. This guide breaks down what actually determines coverage, what changes between owned and leased systems, and how to scope the work so it doesn't get missed.
Partial vs Full Siding Replacement: When Insurance Pays All
The conversation around full siding replacement vs partial usually centers around what the homeowner should do next. The bigger concern is whether the approved estimate captures the work needed to restore the property.
IICRC S500 Standards: How to Use Them to Support Water Claims
The IICRC S500 framework sets the common standard for documenting those decisions. This guide explores how contractors can use IICRC S500 to support water-loss supplements, substantiate legitimate line items, and present a file that stands up to review.
Category 1 vs 2 vs 3 Water Damage: What Adjusters Look For
Water damage categories are far more than mere technical labels. In fact, they directly affect drying scope, PPE, containment, demolition, and disposal costs. A Category 3 loss can cost thousands more compared to a Category 1. Without a full understanding of these categories, many adjusters classify losses at the lowest defensible category without fully accounting for IICRC S500 requirements.
Building Code Upgrades in Insurance Claims: Getting Paid for Code Compliance
Building code upgrade coverage provides funding to bring a damaged property up to current building code requirements during a covered repair or rebuild. Contractors run into code issues on major losses because carrier estimates tend to focus on matching pre-loss materials instead of including permit-required upgrades.
How to Supplement a Roof Claim: A Step-by-Step Guide for Contractors
This guide breaks down how to supplement a roof claim step by step, with a focus on what each stage actually involves and where things commonly go wrong. If you’re seeing gaps between the estimate and the real scope of work, it’s worth understanding why most roof insurance claims require a supplement before moving forward.
ACV vs RCV in Insurance Claims: What Contractors Need to Understand
There's hardly a contractor who hasn't encountered a situation where the first insurance check comes in, and it doesn't cover the materials–let alone labor and overhead. That payment is almost always based on Actual Cash Value (ACV), and if you don’t understand how it's calculated and what comes next, the job can quickly go from a profitable project to a burden on your finances.
How to File a Supplement After a Claim Is Already Closed
You open up the roof expecting a straightforward repair, and then you see it. The decking underneath is compromised enough that it should've been included in the original claim. The trouble is, the insurance carrier already issued payment based on their estimate and marked the claim as closed. That's precisely where most contractors or homeowners start assuming the conversation with the insurance company ends, and they either cover the extra cost themselves or are forced to cut corners.
The Contractor’s Photo Documentation Checklist for Every Insurance Claim
Most contractors already know they need photos for insurance claims. The real issue is this: very few know exactly which photos adjusters are looking for, in what order they expect to see them, and how those photos tie directly into approvals, scope accuracy, and payout speed.
How Third-Party Supplementing Helps Restoration GCs Get Paid Faster
Initial insurance estimates frequently fall short of the full scope, which is why third-party supplementing for restoration contractors is among the vital components in narrowing that gap.
The Contractor’s Guide to Choosing the Right Claim Supplement Company
For contractors who plan to grow, the real question becomes how to choose a claim supplement company that supports protecting revenue and strengthening the claim file from the start.
In-House vs. Outsourced Claim Supplementing: What’s Better for Roofers and General Contractors?
The days when insurance claim supplementing was optional for roofers and general contractors are long behind. Full payment, in most cases, now depends on a detailed supplement, since carrier estimates often do not cover the work's real cost.