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Most contractors think they’re protecting themselves with a contingency contract. In reality, they’re giving the carrier permission to decide what they charge. That single sentence—“we’ll do the work for the amount the insurance company approves”—changes everything. It shifts control, delays payment, and undermines your position as the expert. There’s a better way. Write your own estimate. Set the contract amount. Have the policyholder sign it. Now you’ve established the incurred cost, proven th
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