After a storm, restoration crews start work before insurers settle the claim. We trace the cash from the first tarp to the final check.
Apply Now →The Atlantic hurricane season runs June 1 to November 30, according to the National Hurricane Center. Beaumont sits in Southeast Texas on the Neches River, roughly 85 miles east of Houston. A restoration or rebuild contractor in this area works in bursts: quiet weeks, then a surge of demand after a storm. The surge is when cash is most stretched.
Steps two through five can take weeks or months, and the contractor funds the early steps.
The Texas Windstorm Insurance Association is a not-for-profit insurer of windstorm and hail coverage for property owners who cannot get it in the regular market. Whether a property owner is covered by TWIA or by a conventional policy affects who pays and how fast. We do not give insurance advice, but contractors should know which insurer is involved on each job because the payment timeline can differ.
A restoration contractor takes four roof-and-interior jobs after a storm, each with a $30,000 scope. Crew pay, materials and dumpsters cost about $19,000 per job, or $76,000 for four. If insurers pay in 50 days, the contractor carries that sum for over seven weeks while new inquiries keep coming. Adding a fifth job raises the need further. These figures are made up and are not our terms.
| Cost | Match with |
|---|---|
| Crew payroll for active jobs | Working capital sized to the weeks until payment |
| Dehumidifiers, pumps, trailers | Equipment financing |
| A rapid mobilization before the next wave | Fast funding |
Funding runs from $25,000 to $5,000,000, with funds possible in as little as 24 hours after approval. The application takes about five minutes with a soft credit pull, and sole proprietors can apply. We do not promise funding for any specific company, and decisions depend on the whole business. Neighbors in the port economy face a different timing problem, covered on port drayage and logistics. Residential remodeling is a segment where we do not promise funding, so keep your request tied to the restoration work you have under contract.
They pay crews and suppliers immediately, but insurance payments come weeks later.
The Texas Windstorm Insurance Association, a not-for-profit insurer of windstorm and hail coverage for property owners who cannot get it in the regular market.
Yes. Sole proprietors can apply, with a five-minute application and a soft credit pull.
Add crew, material and equipment costs for the weeks before expected payments and ask for the gap beyond your cash.
In as little as 24 hours after approval, from $25,000 to $5,000,000.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
