Estimate Approvals: What Desk Reviewers Look for in the First 60 Seconds
Estimate Approvals: What Desk Reviewers Look for in the First 60 Seconds Desk reviewers often decide how an estimate will be treated within the first minute. That initial impression determines whether the scope is understood or scrutinized. Photo quality and organization The first thing they look at is photo quality and organization. Clear, relevant photos […]
The Battle for O&P: It’s Not Just About “Three Trades”
The Battle for O&P: It’s Not Just About “Three Trades” General Contractor Overhead and Profit (O&P) is arguably the most frequently disputed 20 percent in the insurance repair industry. A common objection from carriers sounds like this: “This job isn’t complex enough. You don’t have three trades, so we aren’t paying O&P.” The problem is […]
The “Year Built” Trap: One Cut Can Cost You Your Business
The “Year Built” Trap: One Cut Can Cause Some Serious Liability During an emergency service call, when water is pouring through a ceiling or a toilet has overflowed, the instinct is to act fast. Stopping the source is critical. But if the next step involves cutting drywall or ceiling texture to drain a cavity, and […]
The Asbestos Pause: Getting Paid for the Process, Not Just the Test
The Asbestos Pause: Getting Paid for the Process, Not Just the Test A positive asbestos test doesn’t just change the scope. It stops the clock. When asbestos is discovered on a job site, the timeline changes immediately. But does your estimate reflect that change? Too often, contractors bill for the abatement work but eat the […]
Biohazard Claims: Balancing Discretion with Documentation
Biohazard Claims: Balancing Discretion with Documentation The photos are hard to take. They’re harder to get paid without. Biohazard losses (sewage backups, trauma scenes, and contamination events) are sensitive. But they are also high-risk and expensive. The challenge for contractors is to document the severity without being gratuitous while proving that specialized cleaning was necessary. […]