For restoration companies
On an insured water, fire or storm job the carrier decides how much, and the mortgage company often decides when. CRM For Claims keeps both on the claim: the loss with its type and date, the invoices raised from the insurance estimate, and every lender on the house with the way that lender endorses checks.
The short version
A restoration company on insurance work needs a CRM that holds the loss itself, the carrier’s money in the parts it is paid in, and the mortgage company that has to sign the check. CRM For Claims keeps all three on one claim record, beside its stages, documents and tasks, so nobody has to rebuild the file from email.
This page covers the parts a restoration company leans on: losses, lenders and the loans on each house. The shared machinery has its own pages — the claim stages, the document folders and ACV, depreciation and deductible invoicing.
The loss
A restoration company rarely does one kind of loss, so the loss type is a field on the claim rather than a separate system for each.
Every claim carries the same core fields whichever kind of loss it is:
| On the claim | Why it is there |
|---|---|
| Type of loss | Water, Fire/Smoke, Ice Damming, Accidental Damage, Wind, Hail and Wind, or a type you write in yourself. It is a field on the claim, so every water loss you opened this year is one filter away. |
| Date of loss | Chosen from your list of loss events rather than typed on each file. A single water loss is entered as its own event with the type Water; forty claims from one storm share one. |
| Policy and claim number | The claim number is what opens the insurance invoice types on the job, so ACV, depreciation and deductible invoices are only offered once there is a claim to bill against. |
| Emergency work as an expense | Temporary Repair Fees (such as tarp) is one of the expense types, so the cost of the emergency visit is booked against the claim it belongs to instead of disappearing into overhead. |
The first hours of a water job happen before anyone has an estimate. You can add a stage for that work — call it Emergency Service, or whatever your office calls it — and have it create a task for the person who has to go, the moment a claim enters it. How stages create tasks and assign them by role is set out under automations and tasks. What to capture on the site during those hours is a separate question, and we wrote it up in documenting emergency water mitigation.
Lenders
When a house has a mortgage, the carrier’s check for the building is usually made out to the homeowner and the lender together, and the job is paid on the lender’s schedule. Every lender does this differently. Mortgage Companies is a directory, and each lender on it holds:
| On the lender | What it is for |
|---|---|
| Name, phone, fax and email | The loss draft desk you actually call, entered once and picked on every job the same lender holds. |
| Recipient and Attn | Who a package to this lender is addressed to, kept apart from the company name so it prints the same way every time. |
| Regular and overnight mailing address | Two separate addresses, for lenders whose address for overnight packages is not the one their ordinary mail goes to. |
| Insurance Check Endorsement Process | A free-text field for how this lender releases money: who signs, whether they want the check mailed in, whether they inspect before a draw. |
| Documents | The list of what this lender asks for, written once, so the next job with the same lender starts from the list rather than from a phone call. |
| Files and contacts | The lender forms themselves, and the people you deal with there, chosen from your contacts. |
The endorsement process is the field that pays for itself. The third job with the same servicer should not need the same phone call as the first one: what the lender said last time is on its record for whoever takes the next job. Why the lender is on the check at all, and how loss drafts and draw inspections work, is covered in the mortgage company on the insurance check.
The loans on the house
Each claim has a Mortgage screen of its own. A house with a first mortgage and a home equity line has two loans, and both lenders can end up on the same check, so the screen holds as many loans as the house has.
Each loan asks for the mortgage company, picked from the directory, and the loan number — both required. Then the borrower and any co-borrowers, chosen from your contacts. With two or more loans, each one collapses behind a header naming the lender, the loan number and the first two borrowers, and they can be put in order.
The same screen has Mortgage Notes and a Files tab, so the conversation with the loss draft desk and the forms it sent back live apart from the carrier file. Viewing, editing and deleting loan records are separate permissions, set per person under roles and permissions.
On the money side, a recorded payment says who the check is payable to, and an invoice can be billed to an attached company such as the mortgage company rather than the homeowner. When the lender asks for the paperwork, the files you tick on the claim can be combined into one PDF and downloaded, instead of being attached one at a time.
Paperwork
Uploads are named from a fixed list rather than whatever the file was called on a phone. Alongside the project contract, the list a restoration job signs includes the Mold Release of Liability, the Acknowledgement and Release of Liability, the Assignment of Insurance Claim Benefits and the WO Change Form, which asks for its own date so a change in scope is dated apart from the contract it changes. The lender’s paperwork has its own folder, Mortgage Documents, next to Insurance Claim Coverage Documents and Completion Inspection Documents. Where each folder sits and who can open it is covered under claim document management.
Price
Essentials is $59 a month for the company account and the first admin user, with each additional user at $39 a month. It covers claim pipelines and tasks, customer and project records, document storage and team permissions. Invoicing and online payments are part of Professional at $99 a month, along with stage automation, e-signatures and the Documents Hub. Teams of fifteen or more users are priced as Enterprise. The full comparison is on the pricing page.
Honest limits
If your work is mostly roofs after storms, the roofing contractor page covers storm records, trades and installers. If you are comparing this with a general contractor platform, the comparison page says plainly when the broader tool is the better fit.
FAQ
Straight answers about who we serve, what we automate, and how to get started.
It fits a restoration company whose jobs are paid by insurance: the loss type and date on the claim, invoices raised from the insurance estimate as ACV, depreciation and deductible, and the mortgage companies on each house with their endorsement process. It does not keep drying logs or equipment records, so those stay in your drying app.
Yes. Each claim has a Mortgage screen holding one or more loans, and each loan has a mortgage company from your directory, a required loan number, and the borrower and co-borrowers. The screen also has its own notes and files.
Yes. Every mortgage company record has an Insurance Check Endorsement Process field and a Documents field, plus regular and overnight mailing addresses, a recipient and an Attn line. What you learn from one job is on the record for the next job with the same lender.
Add both. The Mortgage screen holds as many loans as the property has, each with its own lender, loan number and borrowers. With two or more, each loan collapses behind a header naming the lender and loan number, and the loans can be reordered.
No. There are no drying logs, moisture maps or equipment tracking. The drying report produced by your mitigation software can be uploaded to the claim, and emergency costs such as a tarp are booked as a Temporary Repair Fees expense.
No. There is no estimating tool. The estimate is written in Xactimate or by your estimator, uploaded to the claim, and its totals, depreciation and deductibles are recorded as fields that the invoices are raised from.
Essentials is $59 a month including the company account and first admin user, and each additional user is $39 a month. Invoicing and online payments need Professional at $99 a month. Teams of fifteen or more users are priced as Enterprise.
