You are a 24/7 emergency service. You deploy thousands of dollars in equipment and labor to solve a crisis, but you get paid on a timeline that creates one.
In the restoration industry, getting paid isn’t as simple as sending an invoice. Your cash flow is held hostage by skeptical insurance adjusters, complex “scope of work” disputes, and homeowners who treat your payout like a windfall.
Nexa Collections is the partner you need to break this cycle. Rated 4.87/5 on Google, we are not just a collection agency—we are a specialized revenue recovery firm.
We understand the difference between a “Class 1” and “Class 4” water loss, and we know how to explain it to a reluctant debtor.
The “Insurance Check” Problem (And How We Solve It)
The most frustrating loss in this industry is when the carrier mails the large payout check directly to the policyholder… and the homeowner spends it.
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The Reality: Industry data suggests that over 30% of restoration bad debt stems from homeowners misappropriating insurance funds.
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Our Solution: We treat this not as a simple debt, but as misappropriation of funds. Our collectors are trained to firmly explain the legal severity of keeping insurance money meant for contractors. This leverage often secures immediate payment from homeowners who are “ghosting” you.
Why Restoration Pros Trust Us
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We Speak Your Language:
From Xactimate estimates to AOB (Assignment of Benefits) contracts, we understand the documentation that proves your debt is valid. -
Mortgage Endorsement Help:
A common delay is when a check requires a mortgage company’s endorsement. We help facilitate this process to get the funds released faster. -
Reputation Protection:
Your “customer” is often a neighbor in your local market. Our approach is firm but professional, ensuring you get paid without damaging your local reputation.
What We Recover
We handle the full spectrum of restoration receivables:
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✅ Unpaid Deductibles: The $500–$2,500 gap that homeowners often refuse to pay.
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✅ “Ghosted” Insurance Checks: Recovering funds the homeowner cashed and kept.
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✅ Emergency Mitigation: Collecting for water extraction, board-ups, and tarping.
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✅ Reconstruction Costs: Final bill payments after the rebuild is complete.
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✅ Supplement Disputes: When the carrier approves additional work but the homeowner keeps the difference.
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Our 3-Step Process: Beating the Lien Deadline
In restoration, a Mechanic’s Lien deadline is your ticking clock. We work fast to recover your funds before you are forced to file a lien, saving you legal fees and headaches.
1. Investigation & Skip Tracing
We verify if the insurance carrier has actually paid the claim. If the homeowner has moved (common after a major fire or flood), our skip-tracing tools locate them instantly.
2. Strategic Demands & Credit Reporting
We use a multi-channel approach. Crucially, we can report the debt to major Credit Bureaus. A negative mark on a homeowner’s credit report is a powerful motivator—especially if they are trying to refinance to pay for repairs or sell the home you just restored.
3. Negotiation & Mediation
Whether it’s a dispute over “dry logs” or a homeowner refusing to sign a Certificate of Satisfaction, our specialists act as mediators to cut through excuses and secure full payment.
Frequently Asked Questions
Q: Can you collect if I didn’t get a signed contract?
A: It is harder, but possible. If you have text messages, emails, or proof of work (photos/dry logs) showing the homeowner allowed you to work, we can often build a case for “Unjust Enrichment.”
Q: Do you charge upfront fees?
A: No. We operate on a contingency basis. No Recovery, No Fee. If we don’t collect your money, you don’t owe us a dime.
Q: Can you help with small deductible balances?
A: Yes. We have a specialized team for low-balance accounts. Recovering ten $1,000 deductibles adds $10,000 back to your bottom line.
Stop Financing Your Customers
Your job is to restore homes, not to act as a bank for insurance payouts. Let us handle the recovery so you can keep your crews rolling.