
At Smart Claims™, we know restoration contractors don’t want hype — you want proof. That’s why our growth has come largely through referrals from contractors who’ve experienced the transformation firsthand.
From delayed payments and messy files to fast collections and airtight documentation, Smart Claims™ delivers results that contractors trust — job after job, claim after claim.
A residential water mitigation contractor was waiting 120+ days to get paid. Their estimates were underbuilt, and insurance adjusters kept requesting “more documentation.”
Rebuilt their estimates in Xactimate with complete line-item detail
Organized a claim-ready documentation package
Followed up directly with the carrier until approval
$42,000 claim paid in 40 days (vs. 120+ industry average)
Contractor freed up 30+ hours/month from chasing adjusters
“Smart Claims cut my payment time by more than half. I can finally focus on jobs instead of paperwork.”
A brand-new restoration business owner was overwhelmed with their first few property damage claims. They lacked professional estimates and had no idea how to manage carrier communication.
Created professional Xactimate estimates
Guided them through file setup and documentation
Took over all insurance follow-ups
First 3 claims paid within 45 days
Zero pushback from carriers on scope
Contractor gained credibility with both homeowners and adjusters
"Smart Claims made me look like I’d been in business for years. My first jobs paid out quickly and smoothly."
A growing contractor handling both residential and small commercial projects was drowning in claims. Their small admin team couldn’t keep up, and cash flow bottlenecks slowed growth.
Took over estimating, submissions, and collections
Provided weekly cash flow reporting
Implemented portfolio landing pages for every open claim
Average payment speed improved by 65%
Contractor added 2 new crews without financial stress
Claims backlog cleared within 90 days
“Smart Claims gave me cash flow clarity I never had before. I scaled my business without worrying about when I’d get paid.”
An established contractor managing large commercial storm claims was getting buried by documentation demands and legal escalations. Files weren’t consistent, and underpayments were common.
Built litigation-ready files with organized documentation
Defended invoices through carrier negotiations
Provided corporate representation in mediations and depositions
Contractor recovered $250,000+ in previously underpaid claims
Reduced legal risk with complete documentation packages
Kept projects moving without admin bottlenecks
“Smart Claims is the only back office I trust for big commercial jobs. They protect my revenue and my reputation.”
Homeowners trust you to restore their biggest investment. But too often, insurance paperwork slows you down and hurts cash flow.
Handle all documentation and claim submissions.
Defend your invoices and line items with Xactimate accuracy
Track every payment until funds are in your account
You focus on serving families, we focus on getting you paid.
Commercial projects mean higher stakes — bigger jobs, stricter timelines, and tighter cash flow needs. Insurance delays can cripple operations.
Build professional, litigation-ready claim files
Provide cash flow reporting and job-level profitability insights
Manage follow-ups, negotiations, and corporate representation when needed
Keep projects moving, payroll covered, and growth steady with predictable payments.
Storm work and roofing claims require precision — from estimates to negotiations. Underpayments or delays can cost you big.
Write or review Xactimate roofing estimates
Push back on underpaid claims with proper justification
Manage insurance communication from start to payout
No missed line items, no wasted time — just faster checks in your hands.
As a PA, you advocate for homeowners. But chasing billing details and building claim-ready files can slow you down.
Prepare airtight claim files with complete documentation
Provide accurate estimates and organized support packages
Represent contractors in depositions, mediations, and trials when required
Free up your time to win more clients and settlements, while Smart Claims keeps your files clean, accurate, and ready.
Smart Claims™ is the #1 outsourced back office for restoration contractors.
We’ve grown through referrals because we deliver real results: faster payments, airtight files, and less stress for contractors who restore homes, businesses, and lives after property damage.

IICRC Certified Firm | Florida Mold MRSA and MRSR Licensing | Xactimate Levels 1, 2, 3 | Goldman Sachs 10K Small Business
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