An Authorization to Repair (ATR) is a document you sign that gives us permission to do repair work on your property based on your insurance company’s approved scope. It also allows us to work directly with your insurance company to help you get the best possible settlement and make the process smoother for you. 

The Insurance Scope of Work (SOW) is a list of repairs that your insurance company has approved and agreed to pay for to bring your property back to its original condition. If we believe more work is needed, we will submit our own report to your insurance company to negotiate additional repairs and funding. 

Most insurance claims include an extra 20% of the total cost, called “Overhead and Profit” (O&P), to cover the contractor’s project management and supervision. When you sign our ATR, you agree to pay us at least the O&P amount listed in your claim—even if you decide not to complete all the approved repairs. That’s because we have worked to get those funds approved for you. 

If there are items in your insurance scope that we didn’t perform and didn’t negotiate on your behalf, we may credit the related O&P back to you in your final invoice. 

You do - not your insurance company. Once your insurance claim is approved, we’ll give you a payment schedule. This will include an initial deposit, with remaining payments tied to key phases of the project. 

We design the schedule to fairly reflect the work being done - not necessarily each item line-by-line. Importantly, you won’t have to pay us more than what your insurance has paid you, unless you request extra work that’s outside the approved insurance scope. 

Most insurance companies hold back part of your payout until the project is complete and we submit a final report. So even if we send you an invoice, your obligation to pay depends on when those funds are released by your insurance company. 

Your project manager will be reaching out shortly to get the scheduling and selections process started with you.

This is a personal choice. If they can be kept out of the immediate work area, it is generally acceptable.

Your project manager will lay this out for you as they set up the schedule. Our goal is to be as minimally invasive as possible. That said, you will be displaced from those rooms throughout the process. Depending on scheduling, many of the areas will still be traversable when workers are not present.

We do have a list of vendors that we regularly work with that we will send to you. For flooring in Stillwater, we prefer MillCreek by Boomer Lake. They have a great showroom and a wide variety.