Restoration payments calculator
See how much faster you could get paid.
The scenario: the insurer cut one check for the claim, made out to the homeowner and you, the restoration pro. Here's what it takes to turn that check into money in your account today, and what iink saves. Adjust the numbers to match your business.
Your volume
The basics
Step 1
Getting the check to your account
Today, the check gets deposited by…
How do you get the physical check?
Calls to schedule with the homeowner, plus windshield time each way. Storm-chasing crews often sit at the high end.
Valued at $0.67/mile for gas and vehicle wear.
Shipping a live check also carries the risk of a lost or stolen check, and days of lost time reissuing it. That cost isn't in the totals here.
This path clears twice: once when the homeowner deposits the insurer's check, and again when you deposit the check they write you. Your money waits behind both.
Optional upside
Supplier early-payment discounts
Do your suppliers offer early-payment discounts?
Only counts if slow cash is currently making you miss the early-pay window. Faster deposits let you pay inside it. Shown separately from the savings above.
Beyond the math
Speed pays in ways a calculator can't total.
The figures above are the direct costs. These are the compounding wins of getting paid in days instead of weeks. Real, even if they're harder to put a single number on.
Supplier terms, protected
Paying inside the early-payment window keeps your discounts and your standing. Suppliers quietly reprice the slow payers, and that creep costs you every quarter.
Crews paid without the wait
When your money isn't stuck behind a check, payroll and subs don't sit in limbo. Steady, predictable pay is a big part of what keeps good people on the roof.
Reps who stay and sell
Salespeople commissioned on time stick around and keep closing. Slow, uncertain commission is one of the fastest ways to lose a strong closer to a competitor.
More jobs in the same year
Every hour off the check-chasing treadmill, and every dollar not parked in transit, is capacity for the next job. When time or cash is your ceiling, faster turnaround means more jobs completed a year.
Estimates for illustration, based on iink's 2026 fact base and the inputs you provide. Time is valued at your stated hourly cost. Mileage at $0.67/mi.