Property claims organizations are being pulled in a lot of directions right now—and none of the pressure is easing up.
Loss severity in home insurance continues to rise, driven not only by catastrophic events but by everyday weather losses and repair cost inflation. Fire, storm, and water claims are increasingly variable across the book year-round and can lead to inconsistent claim outcomes. In 2024, claim severity rose roughly 9% year over year and sat more than 20% above the long-term average, according to Insurance Business. Reuters reports that losses in 2025 topped $100B for the sixth straight year.
At the same time, surge events widened the door for unqualified or unreliable repair providers. When demand spikes, availability drops, causing both carriers and policyholders to feel the impact through delays, rework, disputes, and added risk.
Layer on today’s policyholder expectations, and the challenge becomes even more complex. Tech-savvy homeowners expect clear communication, timely updates, and a process that feels organized, not improvised, especially during stressful post-loss moments when confidence matters most.
Against this backdrop, insurance companies are taking a closer look at repair program models.
On the surface, managed repair programs can feel like a significant operational shift. It’s natural for questions to come up: Will we lose control? Will this slow claims down? Will it add complexity for adjusters or create friction with policyholders?
In reality, a modern repair program isn’t a disruption to the claims process. It’s a connected evolution of what claims teams already do manually. A repair program introduces vetted providers and transparent oversight for the whole workflow. It removes the need to rely on ad hoc contractor searches and limited visibility once a claim leaves the carrier’s hands. A repair program that offers managed services can significantly reduce workload on internal teams.
The result is cycle time reduction, better cost control, fewer surprises late in the claim, and greater confidence for claims teams, leadership, and policyholders alike.
The Problem with the Traditional Insurance Repair Process
For carriers, the technical steps of a property claim are well understood. Where outcomes begin to diverge is after the repair decision, when execution shifts outside the carrier’s direct control.
Once repairs move downstream, variability increases. Contractor quality differs by market. Pricing discipline erodes as initial estimates turn into supplements. Communication becomes fragmented across adjusters, contractors, and policyholders. Visibility into scope adherence and outcomes is often limited until something goes wrong.
At scale, those inconsistencies create measurable operational drag:
- Increased supplement frequency and severity
- Longer cycle times driven by rework, disputes, and stalled repairs
- Escalations that pull leadership and senior adjusters back into files late in the process
Over time, the impact compounds. Minor inefficiencies become material leakage. Cycle-time variance undermines KPI performance. And claims teams lose leverage over outcomes during the most cost-intensive phase of the claim.
This isn’t a breakdown in claims handling capability. It’s the natural consequence of a repair model built on external dependency and limited coordination once the claim exits the carrier’s operational sphere.
So, What is a Managed Repair Program and Why is it Imperative to Have One?
A managed repair program (MRP) is a claims solution designed to bring structure and accountability to the claim by coordinating repairs through a network of vetted providers. Contractor assignment, pricing alignment, scheduling, documentation, payment, and disputes can be managed through the program, preserving transparency and oversight throughout the repair lifecycle.
For carriers, the value isn’t simply outsourcing logistics. Carriers gain greater control over repair costs and reduce rework. This delivers a more consistent experience for policyholders while shouldering less of the logistical burden. At the same time, leadership gains clearer visibility into repair timelines, performance, and cost drivers, and claims teams can focus on resolution, not repair management.
What’s Included in a Managed Repair Program
A modern managed repair program typically includes:
- Pre-vetted, continuously monitored contractors who meet licensing, insurance, and performance standards
- Pre-aligned pricing structures that improve cost predictability and limit unnecessary variability across repairs
- Centralized scheduling and documentation that streamlines coordination and reduces back-and-forth between adjusters, contractors, and policyholders
- Warranty-backed workmanship that reinforces repair quality, builds policyholder confidence, and helps prevent reopens
- Real-time visibility into repair progress so claims teams can track outcomes from assignment through completion without chasing updates
Key Outcomes Eberl’s Managed Repair Program Improves
Today’s claims environment leaves little room for inefficiency, variability, or late-stage surprises. Eberl’s managed repair program is built to address those pressures directly by introducing structure and accountability where carriers historically have the least leverage.
Cost Control and Leakage Reduction
Repair costs have become increasingly difficult to predict. Market-by-market contractor pricing, inconsistent scopes, and post-start supplements make it difficult to maintain reserve accuracy and loss predictability. Over time, even small variances compound into meaningful leakage.
Eberl’s managed repair program brings pricing discipline and accountability into the repair phase. Contractors operate within carrier-aligned pricing parameters and standardized scopes, reducing the likelihood of inflated bids or unnecessary supplements. Continuous performance monitoring and centralized documentation further limit downstream disputes that often drive additional cost. The result is more consistent repair spend and stronger control over loss severity.
Faster, More Predictable Cycle Times
In a traditional claims workflow, momentum often stalls after the inspection. This is the stage when adjusters or policyholders are struggling to source contractors, compare bids, and coordinate next steps. Managed repair programs remove that friction by assigning a qualified, pre-vetted contractor immediately after a repair decision is made.
With Eberl, a qualified, pre-vetted contractor is assigned immediately following the repair decision. Because contractors are already aligned to pricing expectations and operating within a defined workflow, repairs can begin sooner and progress more consistently. Standardized processes reduce mid-stream disruptions, helping claims move from inspection to completion with fewer delays and fewer surprises.
Improved Policyholder Experience
The repair phase is where policyholder trust in the carrier can be reinforced or lost. When homeowners are left to choose their own contractor, outcomes can vary widely. Unproven or overwhelmed contractors may deliver poor workmanship, miss deadlines, or create pricing disputes that delay resolution. In worst-case scenarios, bad actors take advantage of stressed homeowners, leaving them with incomplete repairs, safety issues, or even fraud.
Regardless of who selected the contractor, these experiences ultimately reflect on the insurance carrier. Delays, disputes, and reopens often result in frustrated policyholders and reputational risk.
Eberl’s managed repair program reduces that exposure by placing repairs in the hands of licensed, insured, and continuously monitored contractors. Coordinated scheduling with clear expectations and proactive communication creates a smoother, more predictable repair experience. Warranty-backed workmanship, a 5-year warranty on general repairs, and a 10-year roofing warranty further reinforce confidence that repairs will be done right — protecting both the policyholder and the carrier’s reputation.
Additional Control for Carriers with Direct Repair
Eberl Repair Solutions gives carriers two flexible ways to partner on repair support: Managed Repair and Direct Repair. Both are designed to reduce friction in the claims process, but they offer different levels of involvement depending on how much control your team wants.
With our Managed Repair program, Eberl oversees the entire repair process on your behalf. From contractor assignment through completion and payment, we manage the details so your adjusters don’t have to. This approach is ideal for carriers looking to control costs, reduce risk, and deliver a consistent, high-quality experience at scale.
A Direct Repair option, by contrast, allows carriers or adjusters to assign work directly to a vetted contractor within our network while maintaining hands-on oversight. You get access to trusted repair partners without giving up control of day-to-day coordination.
Managed repair is often framed as a significant operational change. In reality, it’s not a risky leap. It’s a structured, proven response to the pressures shaping today’s claims environment.
Taking control of this critical point in claims processing is not a future goal. It’s a strategic choice you can make right now. Set up a demo of our managed repair platform today and see how it will work for you.
