And, in the insurance payment world, the first check a homeowner has is generally not enough to complete the work. That means waiting with him for the insurer to produce the RCV check. It's a fair trade to get 1/2 up front if you may have to wait 2-4 weeks (or more) to get paid after completion. Additionally, often times a mortgage company is involved in the insurance check, and the first indication that a homeowner may be behind in his mortgage is when the mortgage company refuses to sign the check. Better to know this up front than at some completion point where the homeowner just looks at you and shrugs.
Here's a link to this exact problem: