The Claim Clinic

About The Claim Clinic

Insurance Claims and Restoration focused program. The Claim Clinic aims to educate the property damage restorers of the world through interviews with legendary Disaster Recovery experts. Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

Publisher

Andrew McCabe

Category

business · education · technology

Language

en

Explicit

No

First episode

4 Apr 2015

Latest episode

22 Oct 2025

Latest episodes

52 episodes in the feed.

1. 

   22 Oct 2025

   RIA Cost of Doing Business Report Breakdown

   This episode sponsored by: LiveSwitch https://join.liveswitch.com/ClaimClinic (https://join.liveswitch.com/ClaimClinic) Top Ten Xactimate Profit Secrets: XactSecrets.com (XactSecrets.com) The Claim Clinic — “What the RIA Cost of Doing Business Report Means for 2026” In this episode of The Claim Clinic, host Andrew McCabe breaks down the just-released 2025 RIA Cost of Doing Business Report, revealing what the latest financial and operational data say about the future of the restoration industry. Drawing on fiscal year 2024 data, this year’s report paints a picture of an industry growing up fast — with mid-tier firms scaling aggressively, TPAs losing ground, and contractors getting smarter about their true costs. Andrew walks listeners through the major shifts: small firms saw a huge jump in profitability, large companies faced margin compression, and the average overhead across the industry now sits at a hefty 38.5%, obliterating the old “10 and 10” myth once and for all. He also explores how cash flow stress — with the average receivable sitting at 60 days — is quietly reshaping business models, forcing restorers to run leaner and think like CFOs. Finally, Andrew ties the data to on-the-ground realities: the rise of independent pricing, the growing divide between residential and commercial strategies, and what the next wave of technology and training investment means for contractors heading into 2026. It’s data with teeth — and proof that the restoration world isn’t just surviving, it’s evolving. Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

2. 

   10 Apr 2025

   100% Non-Fing Compliant

   YourContractSucks.com Restoration Rebel Roundtable Briefing Summary Date of Discussion: 12/22/22 Compiled: 10/26/23 This roundtable highlights core strategies for restoration contractors navigating insurance claims: protect your pricing, prioritize transparency with clients, and maintain independence from insurer mandates. The discussion centered on a successful contractor case study that challenged the insurer’s control, reinforced by homeowner support and a well-drafted contract. Key Themes: Protect the Value of Your Work Rebels stress the importance of not doing free work. "Offering free services only serves to erode the value of similar services industry-wide." Radical Transparency—with Clients, Not Carriers “I never communicate with an adjuster without also communicating with my client.” Community over Competition “Restoration companies in my market are part of my community. It is our unbreakable unity that will create the change that we strive for.” Walk Away When Necessary “No relationship is worth losing money, sleep, or my humanity.” Case Study: ‘100% Non-Fucking Compliant’ A contractor refused to comply with the insurer’s process and was paid in full per their client contract. They enforced a signed agreement that specified pricing terms and a 10% markup on subcontractors. Matterport documentation strengthened their position. Contract Law Trumps Insurer Preference “We are implementers of contract law. The only rules we have to follow… is the rule of law.” Matterport as a Differentiator 3D imaging helped secure the job and justify the scope. “People in South Korea could walk through the building and they'd never seen the building.” Refusing to Provide Cost Breakdown “You're not my client. My agreement is with my client.” Back-end data like timecards and subs was withheld, and the client’s legal team backed the contractor’s position. Xactimate Is Not a Contract “Single sheet contracts are not valid… you can’t get all the proper things you need on a cover sheet of an Xactimate PDF.” Homeowner Buy-In Is Essential “If the homeowner will not stand up to their insurance company, you can't stand up for them.” Project Managers Are Critical “My project manager could not have done a better job… ahead of schedule on a $5-6M project.” AI on the Horizon Discussion touched on the future impact of tools like ChatGPT and AI-based estimators like Impartial. There was concern that these could disrupt traditional estimating roles, but skepticism remained about insurer adoption: “The players on the carrier side are easily 10 years behind the technological curve.” Conclusion: Contractors must anchor their operations in sound contracts, transparency with clients, and the willingness to challenge insurer narratives. The discussed case shows that success comes from standing firm with a signed agreement, resisting insurer overreach, and equipping clients to advocate for themselves. The Rebel ethos remains clear: know your value, support each other, and never surrender to artificial rules. Let me know if you'd like a version formatted for publication, email, or LinkedIn. Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

3. 

   11 Feb 2025

   A Rebel Call To Arms

   Ladies and gentlemen, I am here to deliver an urgent truth: the restoration industry is under attack, and the time to act is now. Unity is not optional. It is the only way forward. For years, I have watched as this industry has been taken from us, piece by piece. Now, the carriers are no longer content with nibbling away at what we’ve built. They are moving aggressively, driving independent restorers out of business, silencing the very voices that make this industry strong. In some parts of the country, this is already a reality. Appraisals are being weaponized. Payments are being delayed for months, even years. Outright denials have become the norm. In these markets, independent restoration businesses have been wiped out. This is not an isolated problem—it is spreading. And it will reach every corner of this country unless we stop it. But hear this: we are the ones who allow it to happen. Their programs and policies depend on our compliance. Their agenda succeeds only because we tolerate it. That ends today. The truth is simple: we win together, or we lose everything. There is no middle ground. Five years from now, if we fail to act, we will have no voice, no control, no choice in how we serve our clients. We will be at the mercy of systems designed to benefit carriers—not us, not our clients, and not the communities we serve. Anyone who thinks they’re above this fight is wrong. Anyone waiting for someone else to step in and fix this is mistaken. The responsibility to protect our industry falls on all of us. Every single one of us must decide, right here and right now, to fight back. Stop going along with their programs. Refuse to comply with systems designed to strip us of our power. Stand up for yourself, your business, and this industry. Together, we have the strength to reclaim what is ours. The time for waiting is over. The time for action is here. Fight for your livelihood. Fight for your clients. Fight for the future of restoration. Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

4.4 / 5

25 ratings

Podcast Authority Score: 28 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

36

Social presence

0

YouTube

0

Engagement

50

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Guest appearances

Books guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.