Profit when using subcontractors


What percentage of profit are insurance companies apt to allow over and above the costs we pay subcontractors when we include their invoices with no information redacted? We R&R a patio cover and the subcontractor invoice was over $400 more than what the claim allowed. So, I was going to append the subcontractor’s invoice and either claim only that or claim that amount plus some % over (for our profit). Preferably the latter but what has been your experience?


10% profit and 10% overhead is standard.


Traditional is 10 and 10 which is BS imho. You can put in whatever you want and argue for it.