Blog

Lien Rights, Prompt Pay Statutes, and Collections: The A/R Weapons Restoration Owners Don’t Use

May 1, 2026

Most restoration owners don’t know their state’s prompt pay statute exists. Here’s how lien rights and prompt pay laws give you legal leverage on slow-paying insurance claims — and how to use them.

Working Capital Model by Job Mix: Mitigation-Heavy vs. Recon-Heavy vs. Commercial-Heavy

May 1, 2026

Your working capital requirement changes dramatically depending on what kind of work you do. Here’s how to model it by job mix — before a cash gap blindsides you.

When to Finance Growth vs. Fix Ops First (And How Banks Assess That Decision)

May 1, 2026

Borrowing to grow a broken operation makes it worse faster. Here’s how to know which problem you actually have — and how lenders will assess your readiness before they say yes.

A/R Aging Strategy for Insurance Work: Why Your Aging Looks Different Than Any Other Industry

May 1, 2026

Standard AR aging buckets don’t work for restoration companies. Here’s how to build an aging strategy that accounts for insurance payment timelines — and what to do when jobs sit past 90 days.

Borrowing Base and Covenants: What Banks Actually Look at for Restoration Companies

May 1, 2026

Most restoration owners don’t understand their own credit facility until they’re in breach of a covenant. Here’s what banks actually evaluate — and how to stay on the right side of the math.

The Adjuster Relationship System: How Top Operators Manage Carrier Comms Without Becoming a Doormat

May 1, 2026

The best restoration operators have a deliberate system for managing adjuster relationships — not a personality. Here’s how to build one that protects your margin and earns repeat referrals.

Program vs. Non-Program Portfolio Strategy: When to Walk Away and How to Replace the Volume

May 1, 2026

The decision to exit program work is one of the highest-stakes choices a restoration owner makes. Here’s how to model it, time it, and replace the volume without a revenue cliff.

Denial Management Playbook: Appeals, Escalation Ladders, and What You Can Actually Win

May 1, 2026

Not every denial is final. Here’s the restoration owner’s playbook for appealing claim denials — escalation ladders, documentation requirements, and an honest look at what you can win.

Supplement Discipline: The Documentation Standards That Win on Water Jobs

May 1, 2026

Supplements are the most recovered — and most forfeited — revenue in restoration. Here’s the documentation workflow and standards that consistently win.

TPA Fee Schedule Math: How Margin Compression Actually Works on Program Work

May 1, 2026

Most restoration owners accept TPA fee schedules without running the actual math. Here’s how program work compresses your margin — and the specific levers that move EBITDA per job.