Adjuster Relationships: The Franchise Owner's Most Valuable Asset
In restoration, the homeowner calls you. The insurance adjuster decides how smoothly you get paid.
That makes adjuster relationships one of the most valuable assets a franchise owner can build. Here is how it works in our system, and why you do not have to start from zero.
Why Insurance Restoration Work Drives Franchise Revenue
Insurance companies, not homeowners, pay the bill on most restoration jobs. Your revenue is not tied to what a customer can afford out of pocket.
The numbers explain why:
- Over 80% of professional restoration revenue is funded by homeowner, commercial, or flood insurance policies
- More than 14,000 water damage insurance claims are filed in the US every day
- Xactimate, the estimating platform we train on, is used by 80% of US carriers
Insurance-Funded Demand Stays Steady in Any Economy
When a pipe bursts or a fire damages a home, the owner cannot put the repair off. Insurance covers the work, so demand holds up through economic cycles that hit other service businesses hard.
How Restoration Franchise Owners Build Adjuster Relationships
Adjusters work with contractors who make their job easier. Clear scopes, clean documentation, and fast communication earn repeat trust.
Xactimate Estimates Adjusters Can Approve Quickly
You bill the carrier through Xactimate, the platform adjusters use to review and approve scopes. Our Phase 1 training covers insurance estimating so you can build accurate, adjuster-approved estimates from your first job. Properly documented jobs get paid faster and at higher values.
Claim Documentation & Adjuster Communication Training
Training also covers adjuster communication and claim documentation. These are the habits that turn a one-time claim into a long-term working relationship.
Referral Partnerships That Feed Each Other
Adjusters are one piece of a bigger network. Our owners also build partnerships with property managers, plumbers, and real estate agents. Together, these relationships create a self-reinforcing referral pipeline that generates consistent volume.
Insurance Relationships Take Years to Build Alone
Independent restoration companies often spend years building adjuster relationships from scratch. Franchise owners skip that slow start.
Established Carrier Relationships & Billing Frameworks: We give new owners established insurance company relationships and billing frameworks, so you are working from proven systems instead of cold outreach.
Marketing That Sends Leads While You Build Referrals: Our in-house marketing drives inbound leads through Google, Bing, and local SEO, and our 24/7 call center captures emergency calls in your territory. Jobs come in while your adjuster network grows.
What You Get From Day One
- Established insurance company relationships
- Proven billing frameworks
- In-house marketing driving inbound leads
- 24/7 call center capturing emergency calls
Why Choose 911 Restoration for Insurance Restoration Franchise Ownership
- Insurance relationships and billing frameworks already in place
- Xactimate and adjuster communication training, with no prior restoration experience required
- Regular coaching calls with a dedicated corporate contact
- 120+ owners across 284+ protected territories
- A 4.9-star system-wide Google rating, and a Forbes ranking as best in customer service among top national restoration brands for 2024 and 2025
Ready to See if a Territory Is Available?
You bring the drive. We bring the relationships, training, and support to turn insurance-funded demand into a growing business.
