Resolute Insurance Restoration Contractors

Words in [brackets] are blanks you fill in with your own details when you adopt this sample in Supreme Plan AI.

Executive Summary

Resolute Insurance Restoration Contractors is a water, fire and storm damage restoration company in Tampa, Florida, owned by Carlos and Danielle Rivera. We dry buildings, clean up after fires, remediate mold and rebuild, working with property owners and their insurers.

Why this fits. Storms and aging plumbing keep demand strong, and owners need fast response and clean paperwork when they file a claim. Adjusters and agents want a contractor that documents work clearly and communicates.

Here is what our numbers show. In Year 1 we plan about 60 water mitigation jobs, 8 fire restoration jobs and 14 reconstruction jobs. That brings in sales of $628,000, growing to $2,352,215 by Year 5. We expect a loss of about $32,100 in Year 1, a profit of about $87,500 in Year 2, a profit of about $185,700 in Year 3 and a profit of about $482,900 by Year 5. Crew pay, fuel and insurance, and the truck and equipment paid for before the first job, are our largest costs, and the plan counts all of them.

We need $245,000 in total. Of that, $150,000 is startup costs (drying equipment, two work vans, moisture meters and a thermal camera, extraction units, licensing and insurance, signs and marketing and supplier deposits), and the rest is cash for the first months. We are putting in $35,000 of our own savings and asking for a $210,000 SBA 7(a) loan.

We are Carlos and Danielle Rivera, owners of Resolute Insurance Restoration Contractors. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Resolute Insurance Restoration Contractors will be a limited liability company (LLC) in Tampa, Florida, owned and run by Carlos and Danielle Rivera. Carlos has worked on water and fire restoration crews and knows how to dry a building and rebuild it to code. Danielle handles claims paperwork, scheduling and the books.

What we do:
- Water extraction and structural drying.
- Fire and smoke damage cleanup.
- Mold remediation and cleanup after water loss.
- Reconstruction and repairs after a covered loss.
- Emergency board-up and tarping.

Who we serve: Homeowners, property managers, insurance agents and adjusters in the Tampa area.

Licensing and insurance. We will register the LLC, carry general liability, pollution and workers compensation insurance, hold the contractor licenses and mold remediation licenses Florida requires and complete industry training and certification for water and fire work. We provide certificates of insurance and photo documentation to every adjuster.

Our promise. We answer the call, start fast and keep the paperwork clean for you and your insurer.

Where things stand today. The business plan, pricing and equipment list are written. The next steps are the license and insurance, the truck and equipment and the first customers.

Problem & Opportunity

When a pipe bursts or a storm hits, property owners need help immediately, and they are usually dealing with an insurance claim at the same time.

What customers run into:
1. Slow response that lets damage spread and mold grow.
2. Contractors who do not document the work in a way adjusters accept.
3. Confusing estimates and claim steps.
4. Crews that handle drying and do not finish the rebuild.

Why it matters. Water damage gets worse by the hour. Fast drying and clear documentation protect the building and the claim.

Products & Services

Resolute Insurance Restoration Contractors will be the dependable choice in Tampa for this work.

What makes us different:
1. Round-the-clock emergency response.
2. Photo and moisture documentation for every job.
3. Estimates in the format adjusters use.
4. One company for drying, cleanup and rebuild.
5. Clear communication with the owner and the insurer.

How a job works:
1. The owner or agent calls, and we arrive and secure the building.
2. We extract water, set drying equipment and document conditions.
3. We prepare an estimate and work with the adjuster.
4. We rebuild and repair, then walk through the work with the owner.

Why customers stay. Adjusters and agents send us repeat work because we are fast and organized.

Market Analysis

Who we serve:
- Homeowners with water, fire or storm damage.
- Property managers and apartment owners.
- Insurance agents and adjusters who refer trusted contractors.
- Businesses with water losses.

How we sized the market. Our Year 1 plan is about 60 water mitigation jobs, 8 fire jobs and 14 reconstruction jobs, a small share of the restoration work in a coastal metro area. Replace this estimate with your own count of claims near you.

Why now. Storms, aging plumbing and a busy claims market keep demand strong, and many owners are frustrated by slow contractors.

Competitive Landscape

What customers can do today:

1. Large franchise restoration companies. Strong response and higher cost.
2. Small local crews. Fast and uneven in documentation.
3. Public adjusters who recommend contractors. Helpful and not builders.
4. General contractors who rebuild without drying. Good and slow to start.
5. Do-it-yourself drying. Cheap and risky.

Where we fit. Resolute will be the locally owned restoration company with fast response and clean paperwork.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Introduce ourselves to insurance agents, adjusters and property managers.
- Prepare a sample job file with photos and moisture logs.
- Set up a website and Google Business Profile.
- Offer a 24-hour emergency phone line.

After opening:
- Ask every customer for a review.
- Send thank-you notes to adjusters and agents.
- Visit property managers monthly.
- Offer a free moisture check after storms.
- Share before-and-after photos with permission.

What we will measure. How customers heard about us, how many estimates become jobs and how many customers call us back.

Operations Plan

How the business will run.

Season and schedule. Restoration is year-round, with surges after storms and during hurricane season. We keep an on-call schedule and extra equipment ready for peak periods.

Crew. Carlos leads the crews. Four technicians handle drying, cleanup and repairs in Year 1. We add crews as work grows.

Quality and safety. Technicians wear protective gear and respirators, follow containment and mold rules and complete industry training. We test and document conditions before and after work.

Equipment. We will buy drying equipment such as dehumidifiers and air movers, two trucks or vans, moisture meters and a thermal camera and extraction units. Materials are bought on account.

Paperwork and money. Every job starts with a written estimate, and we collect a deposit when the work needs materials. We invoice the day the work is finished and follow up on anything unpaid after two weeks. We keep the books in simple accounting software and set aside money for taxes and insurance every month.

Management & Organization

The people who will run Resolute Insurance Restoration Contractors.

Carlos Rivera, owner and restoration lead. He responds to calls, scopes jobs and supervises crews. Danielle Rivera, owner and office manager. She handles claims paperwork, scheduling, insurance and the books. (Replace this paragraph with your own background.)

Crew. Four technicians in Year 1, growing to twelve, each trained on drying, safety and documentation.

Office. An estimator and office coordinator joins in Year 1 and a second in Year 3.

Outside advisors. An accountant, an insurance broker, an attorney who reviews contracts and a free mentor from SCORE or the Small Business Development Center.

Staff pay in this plan is a full year per person: owner / Restoration Lead $62,000; restoration Technician $40,000; estimator / Office Coordinator $42,000. Replace them with the pay you can offer where you live.

Milestones Narrative

Our goals and when we plan to reach them.
- Before opening (4 months ahead): register the LLC, buy the drying equipment and vans, set up insurance and licenses and meet the first agents and adjusters.
- Year 1: about 82 jobs with a crew of five; $628,000 in sales and a loss of about $32,100.
- Year 2: about 127 jobs and a second estimator; $1,009,400 in sales and a profit of about $87,500.
- Year 3: about 175 jobs and a second crew; $1,432,182 in sales and a profit of about $185,700.
- Year 4: about 222 jobs and a third crew; $1,879,467 in sales and a profit of about $328,600.
- Year 5: about 273 jobs and a third van; $2,352,215 in sales and a profit of about $482,900.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: jobs booked and finished, estimates sent and won, crew hours, materials cost per job, unpaid invoices and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $245,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $150,000, listed item by item in the Startup Costs section: $55,000 for dehumidifiers, air movers and drying equipment, $45,000 for two used work vans, $8,000 for moisture meters, thermal camera and sensors, $12,000 for extraction units and cleaning equipment, $4,500 for LLC filing, licenses and attorney review of contracts, $11,000 for general liability, pollution and workers compensation insurance, first payment, $5,000 for van lettering, signs and website, $5,000 for supplier account deposits, $4,500 for industry training and certification.
- The cash the business uses before it breaks even, about $3,900. Jobs are won over the first months, so the business pays for crew, fuel and insurance before sales catch up.
- A cash cushion of about $90,000: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $93,900, and the three pieces add up to about $243,900, rounded up to the nearest $500: $244,000.
We are raising $1,000 more than that, $245,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $89,100, at the end of Year 1.

Where the money comes from:
- Our own money: $35,000.
- SBA 7(a) loan: $210,000.

Kind of funding we are looking for. An SBA 7(a) loan from a lender that finances trade and construction businesses, backed by our savings and the equipment as collateral.

How we will pay it back. We expect a loss of about $32,100 in Year 1, a profit of about $87,500 in Year 2, a profit of about $185,700 in Year 3, a profit of about $328,600 in Year 4 and a profit of about $482,900 in Year 5. With this funding, the business has money in the bank at the end of every year of the plan. Our loan is the SBA 7(a) loan at 10.5% over 10 years, $2,834 a month. That payment is already included in our cash flow. We chose these as cautious planning rates; ask the lender for the real rates, which may be lower or higher.

What we are offering the lender: the equipment and a personal guarantee.

A smaller first step, if needed. If we cannot raise the full amount right away, we can start smaller and grow into this plan:
- Phase 1: open with the truck, the core equipment and one crew, which lowers the startup costs and the loan.
- Phase 2: once the first jobs are steady, add the second crew and the next piece of equipment and follow this plan.
To plan the smaller start, make a copy of this plan (use Duplicate) and lower the numbers to match.

All numbers in this plan are estimates. We will update them as real results come in.

Appendix Notes

Documents to attach before you send this plan:

- Your resume and a personal financial statement (a list of what you own and what you owe; lenders usually provide a form).
- Business registration papers and your EIN (your business tax number from the IRS, free at irs.gov).
- Your contractor and mold licenses and proof of insurance.
- Sample job files and estimates.
- Quotes for the drying equipment and vehicles.
- References from agents and adjusters.
If you don't have any of this yet, no worries - let's continue.

The assumptions behind our numbers (change them in the Financials section to match your own):
- Water Mitigation and Drying: about $4,800 in Year 1, rising to $5,402; about $1,600 in direct costs, rising to $1,801; about 60 in Year 1, growing to 200.
- Fire and Smoke Restoration: about $18,000 in Year 1, rising to $20,259; about $7,500 in direct costs, rising to $8,441; about 8 in Year 1, growing to 27.
- Reconstruction and Repairs: about $14,000 in Year 1, rising to $15,757; about $7,000 in direct costs, rising to $7,879; about 14 in Year 1, growing to 46.
- A water mitigation job averages about $4,800, a fire restoration job about $18,000 and a reconstruction job about $14,000.
- Prices rise about 3% a year.
- Equipment ($120,000 in Year 1) covers drying equipment, two work vehicles, moisture meters and a thermal camera and extraction units, and later years ($8,000, $12,000, $12,000 and $14,000) replace and add equipment.
- Pay (a full year, per person): owner / Restoration Lead $62,000; restoration Technician $40,000; estimator / Office Coordinator $42,000.
- Other yearly costs in Year 1: insurance and Bonding $30,000, vehicles and Fuel $24,000, marketing and Referral Costs $20,000, equipment Upkeep and Software $14,000, admin $8,000. These grow between 4% and 5% a year.
- Customers and payers pay about 15 days after service, so at the end of Year 1 about $25,120 is still owed to us. Income tax at 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs