For many tree care companies, storm work constitutes a material source of annual revenue. However, storm work has many inherent risks including financial risks. Tree care companies, in many instances, perform work in good faith only to find that the costs for their services are challenged after the fact by an insurance adjuster. The result can be a delay in payment or, in some cases, no payment at all, and while it is generally the home owner that has contracted for the work, it is the insurance company that pays for it.
Providing sufficient detail in a proposal or invoice will significantly diminish the risk of nonpayment and generally expedites payment by insurance companies to either the property owner or directly to the tree care company that provided the services. Furthermore, good documentation will aid in any legal or collection activity should the work not be paid for. Experienced adjusters note that good documentation will "open the wallets of the insurance company".