When a fire, flood, or storm damages your project, it’s not just the homeowner who suffers—contractors often find themselves battling insurance companies for fair compensation. In a recent episode of the Cabinet Maker Profit System Podcast, I spoke with @GalenHair of @InsuranceClaimHQ about how millworkers, cabinetmakers, and contractors can navigate the insurance process without losing money.
Insurance adjusters often benchmark cabinet and millwork claims against big-box store products like Lowe’s or Home Depot. Even if they mark something as “luxury,” they fail to account for the time, skill, and craftsmanship involved in custom projects.
To get paid what you deserve, contractors need to document everything:
Stay in your lane: don’t argue insurance law. Instead, explain what you know best—your craft. Walk adjusters through your process, just like you would if you were teaching your own son or apprentice. Establishing yourself as the expert helps justify your costs.
Homeowners often don’t realize that initial insurance payouts won’t cover custom cabinetry or millwork. Contractors should have an open conversation early:
Insurance claims don’t have to be a losing game for contractors. With the right documentation, communication, and positioning, you can protect your profits and deliver the quality your clients expect.
More about Galen Hair: LinkedIn | Insurance Claim HQ | Insurance Claim HQ LinkedIn | Instagram
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