Restoration companies build scope, write estimates, and coordinate crews. But none of that moves forward until the homeowner authorizes the work. When the homeowner is confused about what the carrier approved, what the check covers, or what they owe out of pocket, the job stalls. That stall has a daily cost.
"I'm not signing anything until I hear back from my insurance company."
"The check they sent doesn't match what you're quoting me. Someone is wrong."
"My policy should cover all of this. Why am I being asked to pay a deductible?"
"I want to wait and see if the insurance company sends more before I let anyone start."
Carrier disputing the scope of work.
Supplement negotiation in progress.
Legitimate disagreement on materials or methodology.
Permit or code compliance delay.
The company receives a unique referral link tied to its business. Share it with homeowners at intake, before the estimate is delivered. When a homeowner uses the link, ClaimSpeak helps them understand the insurance language and structure. What the carrier's approval means, what ACV and RCV mean, what the deductible applies to, how the payment structure is organized. The homeowner understands the insurance side before they see the scope.
The structural split is roughly 35%. About a third of the delays on a job come from the homeowner not understanding the insurance process. The rest come from carrier response times, scope disputes, and personal decisions. ClaimSpeak absorbs the confusion portion. Everything else remains with the company.
Homeowners who sign up can also build a claim file. A structured, running record of their claim that organizes every question asked, every response received, and every document uploaded into a single reference point. The claim file gives the homeowner something to reference instead of someone to call.
Share a link at intake. ClaimSpeak handles the education. That's it.
Referral link clicks, sessions created, query volume, and engagement depth. All tied to the company's referral source.
Authorization dates from the project management system. Tag for clients who used ClaimSpeak. Comparison of average days-to-authorization between ClaimSpeak clients and standard clients.
ClaimSpeak provides a quarterly report. The company compares against its authorization timelines. The delta shows up quickly because the baseline is high.
Cost: Free. No cost to the company at any point.
Term: 6 months, auto-renewing. Either party may exit with 30 days written notice.
Exclusivity: None.
Type: Referral Resource Partner Agreement.