Restoration crews get busy the moment a storm passes, but insurance payments take time. Houston contractors can apply in five minutes, with funding in as little as 24 hours.
Apply Now →The National Hurricane Center says the Atlantic hurricane season runs June 1 to November 30. For a restoration or rebuild contractor, that window defines the busy part of the year. Houston sits on the Gulf Coast near Galveston Bay, so a storm in the Gulf can turn into a week of calls.
Demand is sudden and so is the need for cash. Crews, tarps, dumpsters, drying equipment and materials all cost money immediately, and the customer is often waiting on an insurance claim.
When an adjuster inspects and approves a claim, payment may follow later in steps. Meanwhile the contractor has to pay workers and suppliers. Texas also has 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, which is one more reason claim timing can vary from one customer to the next. Whether a given customer is covered through TWIA or a standard policy, the claim process is a timing factor for you, not a number you control.
| Stage | Who pays | Cash pressure on the contractor |
|---|---|---|
| Emergency mitigation (water extraction, tarping) | Often billed to the claim | Crew pay and rented equipment up front |
| Demolition and drying | Claim or owner, depending on the scope | Labor and dumpster costs ahead of approval |
| Rebuild | Claim and owner draws | Materials and subcontractors paid before each draw |
A restoration company takes on twelve jobs in a week. Rented dehumidifiers, extra crews and emergency materials come to $60,000 in the first ten days, before the first claim payment arrives. These are invented round numbers for illustration, not our terms or typical outcomes.
The company has the work and the expertise but not the cash to staff up. Funding that arrives within 24 hours of completing a five-minute application lets the owner say yes to jobs in the first days, when customers are choosing contractors.
Restoration is equipment-heavy: drying systems, extraction units, trucks and trailers. An owner who has rented during a surge may later decide to buy; equipment financing covers that. Short-term crew and material gaps fit working capital or a business line of credit.
Also see term loans, merchant cash advances and same-day funding. Houston neighbors on this site: oilfield services, port drayage and medical practices. Area pages: Greater Houston and Harris County. Apply here.
The Atlantic season runs June 1 to November 30, according to the National Hurricane Center.
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.
Yes. Payroll and equipment are common uses, with amounts from $25,000 to $5,000,000.
Sole proprietors can apply.
In as little as 24 hours after a five-minute application with a soft credit pull.
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
