The ideal restoration firm should fully understand the job from the insurance company's perspective and complete the service needed in a cost-efficient manner.

Sophisticated insureds looking for ways to reduce their insurance premiums often elect to purchase liability insurance that is subject to a deductible or self-insured retention.

"Boss, got a second? I have three interviews set tomorrow and I need some advice."

Jake takes a break from his drill press at the employer's appointed time, heads down the steps to the company break room for a Coke, slips on the last step, and breaks his ankle.