Imagine a billing process that actively protects your profit margin and handles all the adjuster pushback for you. When you “bolt-on” our instant, outsourced claims department you save time, slash overhead, and get your Xactimate claims paid better than your competition.
You know the drill. You finish a sewage muck-out or complex fire job, you’re exhausted and ready for the next lead. But instead, you spend hours defending scope just to get paid for what you’ve already completed. The homeowner is happy, and the claim paperwork is in, but now you wait and chase.
You need that money ASAP to cover labor and expenses, but the adjuster documentation demands hold up your cash.
You shouldn’t have to be a full-time biller just to get paid for the work you already finished. That’s why we created RiB – (Restoration Insurance Billing). Instead of dealing with fixed payroll, inconsistent results, or staff turnover, we become your “bolt-on” claims department. We take the stress off your plate and turn it into better paydays and actual work/life balance.
Why the “Old Way” of Restoration Billing is Failing Contractors
We work from the field up, looking at the industry through the lens of a contractor.
For years, the restoration industry has operated under a billing system that just doesn’t seem to put contractors or property owners first. While insurance companies strive to indemnify the insured in a consistent way, the claims process still leaves you behind holding the bag.
Today, carriers are more demanding on what they’d like to see for each claim. The modernization of claims doesn’t bother us and our contractor partners, but the reality is: more photos, more moisture logs, and more “justification” for every line item. If you miss details, your payment sits on a desk for 60 days.
At RiB, we’ve seen over 55,000 claims. We know where in-house billing bottlenecks happen. We certainly know the hours you lose arguing with adjusters just to get paid the right amount. More importantly, we also know that every hour you spend on the phone or email rebuttals is an hour you aren’t using to grow your business, maintain your reputation, or serve your customers the way you do to prevent secondary property damages. We understand the claim cycle and we know how to fix it. We also know the people for whom you work, their fears and behavior during the claim process.
RiB was built to solve for inefficiencies that traditional billing systems ignore, and improve ROI.
Whether you’re in the middle of a new mitigation job, deep in reconstruction, or wrapping up a complex large loss, our third-party approach adapts to contractors. It’s a strategic way to handle property owner concerns, get more done, and get your invoices paid accurately and on time.
A Strategic Billing Partner to More Profit
The restoration world has not gotten easier in terms of getting paid. Right now, industry “paid results” are all over the place with many restorers only seeing 70% to 90% of their total invoice. Some factors influencing that gap include regulations, leaving things out like standard adjustments for O&P, skipping line items, negotiation skill, or failing to account for job severity. Even “after frequent adjustments” that average only goes up to 80% on normal claims.
Think about that average paid range. Losing 10%-30% of your check because of “common billing practices” kills net profit. In other words, restorers are leaving money on the table just to get some cash flow through the door to stay in business. When carriers “adjust” your invoices down for work you’ve already done, it undervalues your expertise and your local costs.
Custom Billing Processes for Restoration Claims
You shouldn’t have to settle for a smaller check just because a carrier is more aggressive in their demands for documentation or need extra “talk time” to agree on scope. That will continue to fail your profit goals.
Managing a full-time staff of MIT coordinators, estimators, and collection specialists can quickly squeeze your margins.
Instead, consider a custom billing process that solves traditional claim problems while your team stays busy on the next job. Our approach gives time back to your entire crew for things that matter outside of work, but stay ready to assist the next customer. Avoid inconsistent claim results with our “bolt-on” claims department that is reasonable, professional, and consistent.
5 Ways RiB Solves the Restoration Billing Crisis
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Avoid Inconsistent Claim Results: The adjustments we make are justified and reflect the scope of work your teams performed. We get Xactimate claims written correctly the first time, with every line item to increase your average claims value.
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Limit Delays: We diligently manage invoices through insurance and handle the constant adjuster follow-up so you don’t have to. We push your file forward so you aren’t waiting 60+ days for a check.
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Expert Claim Defense: We defend your documentation against common markdowns and present your claim packet with specific insight adjusters are looking for to get your bills paid.
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“Bolt-On” Workflow: We work with your team’s existing flow. You do the restoration work, and we handle the claims paperwork and processing to get you paid fairly. We also help your customers get through the insurance process with clarity.
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Lower Overhead: Whether it’s emergency services, rebuild, sick days or somewhere in between, we scale your operations without the cost of new hires. With experience from over 55,000 claims and professional Xactimate estimates, we provide genuine expertise right when you need it.
Why Our Technical Expertise Matters to Restorers
Start with a reduction to your administrative costs that carriers put on your restoration company with our billing experts! From water and fire to mold, asbestos, and biohazard, our billing works with each phase of the restoration job until the check is in your hands.
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Scale with a team of experts that work for you, not the insurance company. We defend your documentation to get you every penny deserved. Whether you’re a local contractor or growing brand, we grow with you. You do not have to worry about hiring, training, or fixed payroll.
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Xactimate Experts: We’ve written over 26,000 invoices. We know market conditions, the codes and language adjusters respect to help prevent “scope errors” from happening over and over. [If you’d like to explore invoicing for your restoration services, we have a dedicated estimating department for our clients.]
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Real Results: One recent Biohazard job, our team with identified missed line items and with the same pricing resulted in a 48% increase in potential revenue. Imagine repeating that “billing upgrade” all year long!
Build Into the Future of Your Restoration Business
RiB is more than a patch on a broken system, its a path forward to faster claim delegation and fair insurance payouts. Imagine a lighter office workload with industry best claim results.
When you lean in to, and use RiB to get your time back. You can focus on closing new leads, training your crew, or finally getting home in time for dinner.
We’ve reimagined third-party billing since 2014 to serve the contractor first. While we definitely care are about the property owner, we also know that when you defend your work confidently and get paid faster, you have the resources to help more customers and grow your bottom line.
Ready to get claims paid better?
This year, don’t settle for outdated billing that leaves you running on fumes. Use us as your secret weapon. Let’s turn your claims department into a profit center. Visit us at RiBilling.com or call (888) 426-3421.
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 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.