Restoration insurance billing isn’t easy work. Most contractors know that chasing down insurance payments can be one of the most frustrating and draining parts of the job. No one knows that more than the people who do it all day long. Unsurprisingly, the insurance billing teams at restoration companies often have high turnover.
At One Claim Solution, claims billing management is our full-time business, so we understand better than anyone the challenges that come with working in a restoration insurance billing role. Over the years, we’ve learned what it takes to build a strong, resilient claims team that doesn’t just survive in this industry, but actually enjoys the work. Whether you’re managing your own in-house team or considering outsourcing your claims, here are some ideas to help you reduce burnout and keep your team energized.
Claims billing negotiation is, by nature, adversarial. Restoration contractors are trying to get paid for the real work they’ve already done. Adjusters, on the other hand, face pressure from their employer to minimize payouts. This sets up a kind of tug-of-war dynamic.
When someone on your team spends every day dealing with deadlines, restoration adjuster pushback, and drawn-out payment timelines, it’s easy to see how job satisfaction can take a hit. Add in the emotional challenge of dealing with homeowners who are confused or frustrated, and you’ve got a high-pressure job with high turnover.
“Work is a huge part of everybody’s life,” said Josh Ehmke, co-founder and general counsel at OCS. “If it’s not a place where people feel motivated to come, you’re going to have high turnover.”
The best way to keep restoration insurance billing teams motivated is to start by hiring the right people. That means looking for more than just a resume of billing experience. You need people with the right mindset and personality, people who can handle tension without taking it personally and who understand the bigger mission behind the work.
At One Claim Solution, that means screening for qualities like emotional resilience, coachability, and a desire to advocate for others.
“Some adjusters are just grumpy,” Josh explained on a recent podcast episode. “You’ve got to find people who can still come to work and handle those calls without getting worn down.” If you’re building your own internal restoration insurance billing team, personality fit should matter as much as their technical skills.
Even the best people on restoration insurance billing teams will struggle if you don’t give them the tools and systems to support them. That starts with training. Claims work is complex. Adjuster pushback can vary by carrier, state, and type of property damage. The more context and education your team has on things like drying standards, asbestos regulations, overhead and profit logic, and other common things that get pushback from adjusters, the more confidently they can stand behind each invoice.
But it’s not just about the initial onboarding. Claims rules and carrier trends are always changing. Ongoing education and support are just as important. At OCS, ongoing internal training helps us ensure our claims management team feels prepared as new trends and roadblocks emerge in the field.
It doesn’t stop at training. Good systems powered by useful technology reduce the mental load for restoration insurance billing teams. OCS’s internal software built into the Claims Portal, for example, uses AI-powered summaries that help our team members get up to speed on a claim in seconds instead of digging through emails and notes. That kind of support saves time and cuts frustration. The right technology will both improve their efficiency and their quality of life: a win for everyone involved.
Another major contributor to claims burnout can be how the job is structured. At many companies, a single person handles everything: data entry, adjuster follow-ups, customer communication, and more. That kind of catch-all role leads to stress and burnout, especially when someone’s out sick or the work volume spikes. And in the restoration industry, one thing you can always count on is that the work volume will spike from time to time.
When possible, try to avoid saddling one person with all of the parts of the restoration insurance billing process. Instead, think about how you can build structure into these roles by creating specialization. Break the work into logical categories and assign them to people with the right strengths. For example, OCS has dedicated teams that focus on specific stakeholder groups: one group handles communication with contractors, another with homeowners, and another with insurance companies. This kind of structure helps people specialize and grow their expertise without the added stress and confusion of context-switching.
People are more likely to stick with their job in restoration claims billing when they understand the mission and feel like they’re doing something worthwhile.
“Helping contractors get paid for doing the right thing for someone in a bad situation—that’s what motivates us,” Ehmke said. The best restoration insurance billing teams understand that, too.
Make sure your team knows the value of what they do. Take the time to connect the dots between their work and the positive outcomes for your customers and their clients. That kind of purpose restoration insurance billing teams push through the hard days.
Claims management is a role that you’ll hear referred to as a “back office job.” These kinds of roles are critical to the success of a business. But it’s easy for them to be forgotten and left in the background. When you’re recognizing the work of team members, don’t fall into the trap of only highlighting employees in front-facing, shinier roles. Take the time to recognize your claims team, too. After all, it takes everyone to make a business run. The recognition that what they do is valued can help ward off low morale on restoration insurance billing teams.
Building and managing a high-performing claims team takes time and intention. At OCS, we know what it takes to retain good claims employees, and that’s why we see less turnover.
One way for you to combat the high turnover of internal restoration insurance billing teams is to outsource claims billing to One Claim Solution. We take care of your claims management and negotiation so that you can stay focused on your core business. Plus, when you outsource to us, you don’t have to worry about the job satisfaction of internal claims employees. OCS takes care of all of that. You can also leave behind the burdens of training and acquiring the kind of expertise it takes to be successful in this position. We have years of experience doing this kind of work and a robust training system that prepares OCS team members to succeed. Plus, our team can easily adjust to your ebbing and flowing workload, all without the interruptions of turnover.
Request a consultation with One Claim Solution today to see if we’re the right fit for your restoration company’s claims billing needs.