Insurance/Legal Matters in Restoration

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From protecting emergency services to driving pricing transparency and contractor rights, the RIA’s 2025 advocacy delivered measurable wins that strengthened restoration businesses nationwide. 

Restoration estimates often overlook the soft costs like insurance, bonds, and management fees. Here’s why these factors matter and how you can include them in Xactimate. 

Todd Sangid of DocuSketch shares how better communication and documentation can restore trust in the insurance process and streamline restoration work.

ServiceMaster Restore’s John Tovar discusses scaling your restoration business and supporting veterans through career pathways.

Josh Ehmke of One Claim Solution breaks down the legal trends in water damage claims and how contractors can protect their work and their rights.

Todd Sangid joins Ask The Expert to reveal surprising insurance survey results and the opportunity to educate our consumers. 

As estimating platforms evolve, restoration contractors face new challenges and opportunities. Learn how Cotality is reshaping program workflows and what it means for your business.

Xactimate is built on real-world data, but it’s not the final word, estimators can adjust pricing to reflect that actual job costs and complete the files to help influence future updates. 

This article explores why so many new restoration companies collapse early on and how mastering the basics can change the game.