How Restorers Are Getting Paid Faster by Insurers/Adjuster (Using AOB)
Restoration
4 min read
Share
Sam Miller
RevOps Manager
Watch the video on YouTube - If you’re in the restoration business, you’ve likely dealt with the frustration of waiting on insurance payments. It’s a struggle that eats into cash flow, delays projects, and creates unnecessary headaches. For many restorers, Assignment of Benefits (AOB) agreements seem like a solution—but they don’t always speed things up.
Josh Ehmke, Co-Founder and General Counsel of One Claim Solution (OCS), has firsthand experience with these challenges. In his work, he’s seen what it takes to navigate insurance claim delays, document properly, and ensure restorers get paid. Let’s dive into the realities of payment timelines, the tactics insurers use, and how you can protect yourself and your business.
Understanding Payment Timelines for Assignment of Benefits (AOB)
The Tactics Insurance Companies Use to Delay Payments
The Importance of Documentation: Your Best Defense
How OCS Helps Restorers Get Paid Faster
For restorers who don’t have the time to chase down insurance companies, One Claim Solution offers a practical solution. Here’s how OCS makes a difference:
Immediate Responsiveness: When adjusters call, OCS answers. Missing a call often means your claim gets pushed to the bottom of the pile.
Dedicated Claims Handling: Unlike restorers who are busy on-site, OCS focuses solely on pushing claims through.
Proprietary Software: OCS’s system tracks claims to ensure nothing falls through the cracks. Alerts and reminders keep the process moving.
With OCS, you can focus on what you do best—restoration—while they handle the headaches of dealing with insurance companies.
Practical Tips for Restorers to Outsmart Insurance Delays
1. Understand Policy Language: Before starting a job, review the homeowner’s insurance policy to know what’s covered.
2. Leverage State Statutes: Familiarize yourself with your state’s prompt pay laws and use them to hold insurers accountable.
3. Master Documentation: Invest in tools and processes that make it easy to capture every detail of your work.
4. Stay Persistent: Follow up regularly with adjusters to ensure your claims aren’t forgotten.
5. Partner with Experts: Consider working with a claims management company like OCS to handle the legwork for you.
Conclusion
Insurance claim delays are a frustrating reality for restorers, but they’re not unbeatable. By understanding payment timelines, recognizing insurer tactics, and prioritizing thorough documentation, you can take control of the process. As Josh Ehmke says, getting paid isn’t just about doing the work—it’s about showing it clearly and staying on top of the claims process.
With the right strategies and support, you can outsmart even the most stubborn insurance companies and claims adjusters and get the payments you’re owed—faster and with less stress.
READ MORE:
Common Pitfalls in Restoration Scope Creation: How to Avoid Costly Errors and Omissions
