Navigating dealing with carriers and getting paid can be one of the most difficult parts of being a restoration contractor. Fortunately, these challenges become more manageable when you understand the legal tools you have at your disposal and the right ways to use them. From the restoration industry legal experts at One Claim Solution, here’s what a strong legal toolkit for contractors looks like.
For restoration contractors, getting insurance providers to directly pay them instead of the policyholder eliminates hurdles like getting the policyholder to turn over insurance funds and the liens process. Getting paid directly by insurers is made possible through Assignment of Post-Loss Benefits (AOB). By having policyholders sign AOB paperwork at the beginning of any job with a coverable claim, contractors secure the right to direct payment from carriers.
Assignment of Post-Loss Benefits is permitted under most insurance policies. However, in Florida, AOBs are highly restricted, and in Texas, AOBs are not allowed. Read One Claim Solution’s article to learn more about how you can use the legal tool to your advantage.
Direction to Pay is a request that policyholders can submit to their insurance carriers, requesting that any payouts be sent directly to their restoration contractor rather than to themselves. Unlike Assignment of Post-Loss Benefits, Direction to Pay is not a legally binding request. Insurers may still choose to send funds to the homeowner. But in states like Texas and Florida that have limitations on AOBs, Direction to Pay can still be useful. Learn why in this blog post.
A lien holds a property as collateral until a contractor can secure payment from the property owners for their services. At the beginning of every job, provide the property owner with a pre-lien notice. This ensures you secure your right to the liens process before the legal pre-lien time frame is over. Then, if you have difficulty securing funds from the property owner, placing a lien on their property is an option.
For tips on how to communicate about liens with your customers, see OCS’s recent article.
If you feel that you have received unfair compensation for a claim from a carrier even after attempting to negotiate with them, appraisals can be a powerful legal tool you can use. When you initiate the appraisal process, the claim goes to two independent appraisers who decide the value of the loss. While appraisals are much less expensive than litigation, they do still involve some additional costs. To learn how to do a cost-benefit analysis before sending a claim to appraisal, visit our recent blog post.
When other attempts to secure payment from a carrier or a homeowner fail, restoration contractors can send them a demand letter as formal notice of their demands. The letter outlines the restorer’s demands and the actions they intend to take if the recipient fails to meet their demands by a given date. A demand letter should be used as a last attempt to secure funds before escalating to more serious action like litigation.
If you’re a restoration professional, subscribe to One Claim Solution’s newsletter Claims Corner. We regularly share industry insight about how to build your restoration business and secure better payments from providers.
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Hi there! I’m Connor, the Account Executive for One Claim. My goal is to guide our contractors through the sales process, ensuring you’re equipped with all the information you need to make your decision and hit the ground running once aboard. We view ourselves as an extension of your business and I strive to make the process an enlightening and consultative one.
My career has primarily been focused in software sales over a few different industries but the last few years were spent helping general contractors solve similar problems to what we’re doing here at OCS! Outside of work, I love spending time with my family, cooking and boating during the summer months.
Hello! I’m Nicole, and I’m here to champion for our employees, recruit for new talent, and impact culture at One Claim Solution. I find satisfaction in supporting a memorable employee experience and bring innovation, problem solving, and strategic view to the process. Nothing is more important than our people, and a healthy culture is my top priority! I have had the pleasure of building my career in various sectors, specializing in small to medium size firms focused on high-growth. My experience is centered around driving and implementing change, leading high-performing teams, and driving process improvements. I am excited to make an impact at One Claim. Outside of work, my family and I enjoy getting outdoors as much as possible to explore beautiful Colorado!
Great to meet you! I’m Elizabeth, and I’m the one behind all the emails and advertisements you’ve been seeing. As the Demand Generation Manager at One Claim Solution, my mission is to connect with contractors like you who need our services. I’m passionate about having an impact on others and I bring a wealth of experience in demand generation and marketing strategy to create moments of delight, curiosity, and education for you.
Prior to One Claim Solution, I had the privilege of building marketing departments from the ground up at companies in a variety of industries, including IT consulting, first protection, and healthcare. Personally, I love being outdoors, playing Dungeons and Dragons and board games, singing, and traveling.
Welcome! I’m Alisha, and I’m here to champion your success as the Director of Contractor Success at One Claim. With a passion for helping contractors thrive, I bring a wealth of experience in onboarding, customer service, and account management to ensure your journey with us is nothing short of exceptional.
Prior to joining One Claim, I had the privilege of scaling SMB and Enterprise Customer Success teams at fast-growing SaaS startups. With over six years of experience at companies like Mavenlink, Teamwork, and ServiceTitan, I honed my expertise in building high-performing teams and fostering proactive, consultative relationships. This background has equipped me with a deep understanding of the challenges faced by businesses like yours, and I’m dedicated to helping you overcome them.
Hi there, my name is Eric! I am the Chief Technology Officer here at OCS, spearheading our technical strategy. I have a background in computer science, graduating cum laude from BYU-Idaho with a Bachelor’s degree in Computer Information Technology.
Before coming to One Claim, I served as the Director of Engineering at Slingshot Technology, Inc., a company later acquired by WorkWave in 2021. My professional journey has spanned both emerging startups and established corporations, with a steadfast focus on cultivating high-trust, low bureaucracy teams and innovating technology using agile methodologies.
In my free time, you can find me flying drones, enjoying the outdoors, and spending time with my family.
Hello, my name is Cam, I’m the COO of One Claim Solution! I come from a management consulting background (Bain & Company) and hold an MBA from the University of Michigan. I have worked at a wide variety of organizations, from Fortune 500 to small-cap, in an equally wide variety of industries. I have over 15 years of experience in operations and strategic growth, and I have spent much of my career focused on developing high-performing tech-enabled service organizations through early stage and high growth phases.
Outside of work, my wife Brittny and I have four kids, ages 13 to 6. As residents of Mesa, Arizona, we love to ski and explore the national parks of the southwest!
Hello, my name is Dan, and I am the CEO of One Claim Solution. I am super excited by everything we are doing at OCS to be the market leading insurance billing specialist that advocates on behalf of our restoration contractors.
My professional experiences are predominantly corporate in nature. My career started at General Electric in finance and accounting. Immediately prior to joining OCS, I spent time as an investor at Bondcliff Partners and management consultant with Bain & Company. I also hold an MBA from the Kellogg School of Management at Northwestern University and got my BS in finance and accounting from Northeastern University.
Outside of the office, I enjoy spending time with my wife, two young children, and our family dog, Whiskey. We live in Charleston, SC and take advantage of the beautiful weather by spending as much time as possible outside at the beach or adventuring around town
Hi, I’m Josh! In 2016, I co-founded One Claim Solution with my partner Jeremy Traasdahl, and I serve as General Counsel of One Claim Solution. Working in the restoration industry, Jeremy and I saw contractors struggling to get paid quickly and fairly and we knew there was a need for change. We founded One Claim Solution to be this change and it’s been my privilege to see our company grow and to advocate for our clients as general counsel.
Outside of my passion for helping the restoration industry, I enjoy spending time outdoors, fly-fishing, hunting, skiing, and coaching my kids’ baseball teams. I’ve been married to my amazing wife for 20 years and we have a beautiful family of 5 children.
Hey, I’m Jeremy! In 2016, I co-founded One Claim Solution with my partner Josh Ehmke. Working in the restoration industry, Josh and I saw contractors struggling to get paid quickly and fairly and we knew there was a need for change. We founded One Claim Solution to be this change and it’s been my privilege to lead our amazing team.
Prior to One Claim Solution, I started my career as an inside sales rep for Avnet, then moved to Pepsico as a district sales manager. Outside of work, I love spending time with my wife and four children, two boys and two girls!
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