Restoration contractors and insurance companies have a symbiotic relationship. Some might even say we have more of a love/hate relationship as insurance companies want to minimize how much they have to pay out on a claim and restoration companies want to make as much as they can. The insurers need restorers to mitigate damage and make their policyholders whole, but they aren’t always willing to pay for what the repairs cost and allow enough for the restorer to make the profit margin he or she needs.  

From a financial perspective, restorers and insurers often find themselves at polar opposites. Inevitably, if you are a restoration company, sooner or later you will run into situations where the adjuster won’t pay for work you completed or only a fraction of what you have estimated the cost to be. In these situations, restorers have a few options, which depend in large part as to how far you’re willing to go, how much you’re willing to spend and if the risk is worth the reward.