Insurance Billing

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Posted by: from Edmonton
12/14/2012 at 5:29:22 PM


I quote a job for a lady this morning and she told me that her insurance will be paying for the job.

Does anyone knows how to bill an insurance company for the work?

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Date/Time12/14/2012 at 7:02:41 PM

I would bill the customer and have them remit the invoice for reimbursement.

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Date/Time12/14/2012 at 7:14:56 PM

She pays you directly, then she submits to ins. With the invoice you provide.

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Date/Time12/14/2012 at 7:21:46 PM

Did you give her the quote yet ?

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Date/Time12/14/2012 at 7:31:05 PM

Yes, but what work does she need done?

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Albert from Renco Contracting in Edmonton
Date/Time12/14/2012 at 7:32:48 PM

Thank you very much guys for the reply. I will take your opinion in consideration and no, I haven't given her the quote yet.

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Albert from Renco Contracting in Edmonton
Date/Time12/14/2012 at 7:39:41 PM

neighbor up stairs float his place and water drip down to her suite and the entire ceiling need to be redone

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Bertram from TASCH - GROUP in MISSION
Date/Time12/14/2012 at 7:39:41 PM

Hello Albert,

I don't know exactly how it works here in Canada, however every time when I had to "fix" Insurance claims in Germany, I always let the customer sign a "deed of assignment" / "transfer deed" and dealt direct with the insurance company. This way makes sure you get your money and furthermore it is the fastest way for all involved parties. I can imagine this way would work here in Canada too.


3D-Tile-Design - Bertram Tasch

Maple Ridge, BC (Greater Vancouver)

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Scott from Impact Painting in Belleville
Date/Time12/14/2012 at 7:45:53 PM


From my experience with doing insurance job work. After you give the quote to the customer they submit it to the insurance company and they give the go ahead to proceed with the work and then upon completion you give the customer the bill wich they submit to there insurance company and the insurance company cuts you a cheque directly this is how I have allways done it.

I hope this helps. And good luck!!

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Date/Time12/14/2012 at 10:10:56 PM


Here is what I know. Give her the quote and get the name and info for the insurance co. Spexifically the claim. # and adjuster. Contact them and find out the protocol. Dependng on the insurance co. The client may be required to pay the deductible and be responsible for the taxes. Confirm those details with insurance company.

Good luck

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Date/Time12/14/2012 at 11:49:55 PM


Don't get into third party billing. Give the customer the quote, invoice etc. and expect payment from them. An insurance claim is the customers responsibility.

Sometimes the insurance does not cover the entire cost so the customes is responsible for the difference. Regardless, there should be one invoice and one payment ... between your direct client and you.

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Yuri from AIMG Inc in Richmond Hill
Date/Time12/15/2012 at 12:27:14 AM

Hi Albert,

in my case I quoted customer and he submitted bill to his insurance company. I got call from adjuster and after that they OK'd coverage. I was paid by my customer and insurance company paid him.

Hope this will help.

Good Luck,


AIMG inc,


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Date/Time12/15/2012 at 8:44:17 AM

The first thing you will have to do, is give the insurance company a detailed written estimate of the scope of the work to be done. Once the work is finished and the homeowner is satisfied with the end result, the homeowner contacts the insurance company and a check is sent to you or the homeowner.

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Date/Time12/15/2012 at 1:39:24 PM

Yes I do! You will not be billing the insurance company. Your deal (Contract) is with the homeowner who asked and received a cash settlement from their insurance company. So now they have the cash in their account to do the repair.



416 998-7878

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Date/Time12/17/2012 at 1:02:56 PM

Ask the customer for the name and number of her insurance adjuster. Call him up and ask him for their billing information, and ask him what their terms are.

Adjusters have a lot of experience dealing with contractors, so he will ask you for your quote etc.

Each insurance company is a little different with how they deal with claims, even adjusters can be different, you can get a good one or sometimes a crabby one.

Good luck.

Ben Kuypers

Kuypers Design Group Ltd

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Trevor from Arbutus Contracting in Mission
Date/Time12/18/2012 at 7:45:38 PM


I've done this in two different ways. One was handled by a restoration company, and the rep from the restoration company was in contact with me to let me know my quote had been accepted.

The other was I did the work and was paid by the customer and they submitted a claim to the insurance company.

I'll make one other note, be aware that insurance companies usually have a 90 day payout policy, so make sure that your prepared for that. Waiting 3 months plus after a job is completed can be a long time, and you can have a lot of money tied up that way.

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Dolphin Construction Co. in Ottawa
Date/Time12/22/2012 at 11:53:54 AM

You will never see this job. She has to submit 3 quotes and they will issue her a check based on the quotes. If they are lower than "their book" standard quote she gets less money. If you too high on the price they will get her what they think is worth it. At the end she will cash the check and do the job her self.

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