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Claims Delegates is an insurance claim consulting firm. We are advocates for victims of disaster.
Actionable Insights does it again. Their new pricelist is about to blow the doors off the Xactimate estimating world.
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08/03/2026
SELLER BEWARE: This contract language will cost you your margin and your leverage.
A contractor sent me a contract today with this language in it:
"This Agreement is contingent upon insurance company price and approval."
That one sentence hands your entire business over to the adjuster.
No defined price means no enforceable contract. It is legally a NULL agreement. You worked, you invoiced, and you have no contractual basis to demand payment above whatever the carrier decided to approve.
The supplement language makes it worse. The contract says the company will seek approval from the carrier AND payment from the owner for extras. Then it caps what the owner owes at the deductible. Those two provisions cancel each other out. If the carrier denies a supplement, you are holding a document that simultaneously says you can and cannot collect. That fight ends with you absorbing the cost.
Here is what actually happened when you signed this:
You gave the carrier the right to set your price. You gave up any independent claim to insurance proceeds. You accepted scope defined by an adjuster whose job is to minimize what gets paid. And you did all of it before a single nail was pulled.
The carrier is not your client. They do not owe you fair payment. They do not owe you a return call. They answer to their shareholders, not to your labor cost or your overhead.
A contract that references "insurance proceeds" as the price is a contract written for the carrier's benefit, not yours. The moment you sign it, you are working for the adjuster's number.
Know what you are signing before you sign it. Better yet, know what should be in your contract before you ever hand one to a customer.
Prepare every file for appraisal.
appraisalisbetterhere.com
ALE is just one of the best tools we can use to apply pressure to the adjuster.
TheClaim.Clinic
It doesn't really matter that you can prove you did it. You have to EXPLAIN why.
appraisalisbetterhere.com
"Stabilization" flags your file for audit.
AppraisalIsBetterHere.com
claimsdelegates.com/airmover
no, seriously, you need to look at this.
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Claim audit red flags leads to appraisal loss.
AppraisalisBetterHere.com
Appraisal Panel Meeting Gone Wrong: My Problems & Advice
AppraisalisBetterHere.com
Your work authorization is more than paperwork. Written the right way, it's what keeps you in control of your payday no matter what the insurance company decides.
Join The Claim Clinic for a live session with guest Ed Cross, known industry-wide as The Restoration Lawyer, on how to write (or fix) a contract that gets you paid in full, so a lowball estimate or a slow adjuster becomes the insurer's problem to solve, not yours.
Ed Cross has represented restoration contractors nationwide since 1997, drafted the contracts hundreds of restoration companies use every day, and served as a contributor to the IICRC S500 and S520 standards. He's built his career turning "the insurance company won't pay" into a solvable problem.
We'll close with a live, open-mic AMA. Bring your toughest contract and collections questions and ask Ed directly.
When: Wednesday, July 29, 12:00 PM Pacific
Where: Live on StreamYard
Cost: Free
Register: https://www.claimsdelegates.com/winning-contracts
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1436 NW Baltimore Avenue
Bend, OR
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