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. 

Description text goes hereMost 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. 

Item descriptionYou 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.