hi there
we provide this service, and have a lot of differing opinions, and views.
the work from our point of view is good, and we make a good margin from it, we takean aggresive stance with our clients, whether that be the householder, a commercial client or the insurance company, they accept our rates and we cary out the work.
we then move on from that to carry out the reinstatemnet works, so more and more we are geting involved from incident through to handing the property back completed.
re the payment terms, yes nightmare, but if your cashflow is all running at 120 days, then the first 120 days are the worst. my suggesation is to make sure that you have a client mix, ie insurance, and non insurance clients.
the other trick is to make sure that you do all your paperwork for each case, so that you can annoy them for payment.
regards
martin