You are a professional. You rush to the emergency, fix the problem, and make the customer happy. That is the hard part in restoration. The easy part should be getting claims paid, right?
But we all know getting paid by insurance companies is a real headache. Weeks turn into months, and your money is stuck in limbo. This cycle causes stressful cash flow delays in restoration claims, which hurts your business and drains your operating capital.
We have processed over 55,000 claims since 2014. We know why checks are often low-paid, slow-paid, and how to speed things up to what’s acceptable. Also, having written over 26,000 Xactimate estimates at RiB, we know how to write complete invoices, and talk with adjusters to cover your overhead and profit.
Here are three big reasons your money is delayed and a simple fix.
1. The Paperwork Problem
A restoration job is dirty, but the paperwork can be close to spotless.
The Delay Trap
A top reason for slow payment is missing or weak documentation. If you send an invoice that is missing photos, moisture logs, or daily records, the adjuster has a easy way to delay payment. They will send the claim back and ask for more details. This back-and-forth process can kill your days-to-payment.
The RiB Advantage:
Every claim needs to support the work performed. You need a detailed, line-by-line estimate (usually in Xactimate) that matches what you did. Before you send it, experts can review it for accuracy and make sure you didn’t miss any line items you deserve to be paid for. This helps to stop delays before they start. RiB is your extra set of eyes, improving your claim file before we submit to the carrier.
2. The Waiting Game (AKA The Adjuster Battle)
Why Adjusters Stall
You have a business to run. You don’t have time to spend hours on the phone arguing or writing long-email rebuttals.
The problem is that Adjusters have a big workload, too. They might delay returning calls, ask confusing questions, or try to reduce the amount you are owed. If you or your team have to manage these battles, you are wasting time that could be used for finding new restoration jobs.
Your Full-Time Advocate Solution
RiB works with the adjusters for you. Our restoration billing experts know how to handle all the insurance communications, from the first email to the final settlement. Adjusters know we expect to be paid, and we won’t stop until the check is on its way. This gives you greater Peace of Mind and keeps your cash flowing steady. Our full-time advocates are use to dealing with the haggle so you don’t have to.
Listen How RiB Eliminates Cash Flow Delays
3. Xactimate Mistakes
The Cost of Mistakes
Xactimate is powerful, but only if you use it to its full advantage.
The Challenge: Xactimate is the industry standard for estimating, but it requires knowing the software and adjusting the line items to reflect your true job costs accurately! Many contractors miss small details (Cat 2 or Cat 3) – or even big ones – that add up to thousands of dollars. An estimate that is poorly written or formatted gives the adjuster another reason to delay payment or pay you less than you are owed.
Xactimate Mastery Pays
At RiB – Restoration Insurance Billing, LLC, we are experienced experts at using Xactimate for your restoration services. Our team knows the codes, rules, and line items for Water, Fire, Mold, Asbestos, Contents, Bio Hazard, and Reconstruction. We can write the estimate for you or quickly review the one your team created before we prepare it and send it to get paid. We want your invoice to show the full cost of the job including the overhead and profit you deserve. This helps us prevent unnecessary delays and get you paid more.
Need An Xactimate Estimate? We write invoices to reflect your project scope overhead, and profit. Because we’ve written over 26,000 estimates, we can catch mistakes missed. Then, RiB claim specialists will defend for fair payment. Get valuable feedback and expert help on your next water mitigation claim!
Stop Claim Delays with RiB: A Restoration Insurance Billing Proven Process
Your goal is to fix properties. Our goal is to fix your claims department and remove billing stress for your team.
You started your restoration business to help people, not to become a full-time insurance billing specialist. When you team up with RiB, you get a peace of mind, proven claims process that alleviates cash flow delays in restoration claims. Trusted by Restorers since 2014.
What we do:
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We work with the adjuster for you: We manage the billing battles and all insurance communications until your claim is settled.
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Review and Improve: We review your job documentation and Xactimate estimate.
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Focus on Collecting Your Money: We don’t get paid until you get payment in hand. Our main focus is making sure your check arrives faster and for the right amount.
Eliminate slow claims payment pressure on your business. Get your claims paid better, faster, and easier with RiB.
Ready for stress-free billing? Contact us today Our experts get your claims paid across all damage types of insurance billing including Water, Fire, Asbestos, Bio, Contents, and Mold Damage.
By Jason D. Myers
Jason D. Myers is the Co-owner of Restoration Insurance Billing, LLC (RiB) and IICRC Certified Firm. He holds the industry-specific IICRC WRT and TCST certs, but his real education started years ago, helping his dad with remodeling jobs. Because of that, he understands contractor’s daily demands and the value of hard work. Jason earned his business degree from the University of Northern Iowa and background in sales, including eleven years of door-to-door experience to advocate for restorer’s work. Today, Jason is dedicated to using RiB to get contractors paid correctly, ultimately giving them back time to focus on their business and families. A native of Oregon, he now lives in Arizona with his wife, three children, and their golden retriever Mikey, where he enjoys coaching soccer.