You’re probably not thinking about ESG when you show up to a flooded lobby or a moldy condo unit....
Why Insurance Companies Are Starting to Ask About Your Restoration Work
You used to show up after the insurance company.
Now, they might be looking at you.
Not just your invoice. Not just your moisture logs.
But your role in proving that a building is safe, sustainable, and won’t keep making claims year after year.
In 2025, ESG gaps — like poor documentation, repeated material failures, or lack of resilience planning — are showing up in insurance premiums.
And restoration pros are more involved than ever.
🧠 What Insurers Are Really Asking
When they ask for:
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“Material traceability”
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“Resilience upgrades”
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“Environmental controls during the job”
…what they’re really asking is:
“Is this building going to break again? And is this vendor making it stronger — or sloppier?”
Your work, your products, your process — they all tell a risk story.
🔎 How a Simple Restoration Job Affects Premiums
Imagine this:
| Scenario A | Scenario B |
|---|---|
| Crew logs all moisture levels, uses mold-resistant material, preps a resilience report | Crew patches walls with no airflow upgrade and provides no records |
| 🟢 Seen as improving future risk | 🔴 Seen as repeat-claim waiting to happen |
| May help reduce premiums | May trigger coverage caps or inspections |
Same loss. Different risk profile.
And increasingly, that profile includes your name.
🛠 What You Can Do to Help Clients Stay Insurable
✅ Document your work like it might be subpoenaed
Moisture logs, drying curves, photos, material lists.
✅ Flag repeat-risk areas
“If we don’t upgrade this vent or flooring, we’ve seen this issue return.”
✅ Offer upgrades that insurers like
Mold-resistant drywall, leak alarms, IAQ testing.
✅ Label your reports clearly
Insurers don’t read long emails. Make it easy for them to see what matters.
🧭 How to Position This With a CRE or Property Manager
“Want us to prep a short report you can hand your insurer? Helps show you’re reducing risk long-term.”
“Some underwriters are starting to ask about resilience — we can flag a few upgrades that help.”
“We can add IAQ or moisture data to the file if needed — insurers seem to like seeing that.”
You're not just covering your own back — you’re covering theirs.
🧠 TL;DR for the Restoration Crew
In 2025, the insurance world is watching.
And your work is part of the premium equation.
If you build clean files, offer resilience moves, and treat every job as part of a bigger risk story — you’re not just a vendor.
You’re a reason the next premium might go down, not up.
