Breaking Barriers: ATCP Meets Directly with Missouri Regulators to Defend Fair Market Value
“I saw this Association as an opportunity to be able to get contractors into a group where we can separate ourselves from those bad actors and adhere to a set of ethics and standards, which I believe is better for all three parties involved in the claim: the insurance company, the consumer, and the contractor.”
The tree care industry is often one of the most dangerous yet least compensated professions in the country. But the Association of Tree Care Professionals (ATCP) is changing that narrative by taking the fight directly to state regulators.
In a recent landmark meeting, ATCP leadership sat down with the Missouri Department of Insurance—including the Consumer Affairs Director and Property & Casualty Supervisors—to bridge the gap between contractors and the government.
This is what advocacy looks like in action.
Challenging the “Weaponization” of Xactimate
One of the biggest hurdles our members face is the use of estimation software like Xactimate and third-party review services like HMI that suppress billables. During the meeting, ATCP Vice President Stephan LeBlanc and President Joe Whitledge addressed this head-on.
They explained to the Commissioner’s team that Xactimate is often used to lower the value of emergency tree services below fair market rates. Furthermore, they highlighted that HMI is a service frequently used by carriers to lower pricing.
To prove this point, the ATCP leadership cited a recent case in Michigan where HMI’s validity as a reference was legally challenged and lost.
We made it clear: The industry needs data based on facts, not feelings. We are showing regulators that while equipment costs remain static, specialized labor rates must reflect the reality of the work.
Partners in Consumer Protection
A major takeaway from the discussion was the shared goal of consumer protection. The ATCP is not just about defending contractors; it is about protecting homeowners from “bad actors” who rely on handshake deals rather than written contracts. We are actively drafting educational materials and animated videos to help states inform their constituents on the proper process for tree removal claims.
The response from the Missouri Department of Insurance was enthusiastic, with officials stating they are constantly looking for this type of consumer education material. By positioning the ATCP as a subject matter expert, we are becoming a trusted resource for government agencies. This partnership aims to prevent the “shock” policyholders feel when they realize the true cost of emergency work versus what their insurance initially offers.
A Resource for the State
This meeting marked a significant step forward in securing a seat at the table. The ATCP offered to serve as a resource for the state, willing to **review invoices for free** to help regulators determine if an insurance company is acting in bad faith. We also offered our services as **expert witnesses** for the Attorney General’s office should litigation regarding bad actors arise.
When the state has inquiries, the ATCP committed to providing solid, fact-based answers within 2 to 3 days.
This level of cooperation ensures that ethical professionals are distinguished from the bad actors, raising the standard for everyone.
We are building these bridges to ensure that when you do the job right, you get paid right.
Stefano Devigili
ISA Certified Arborist Stefano Devigili is dedicated to professional excellence and safety in arboriculture. In addition to serving as a Founding Board Member for the Association of Tree Care Professionals.
Stefano leads Grant Brothers Tree Service in Northern Virginia, providing elite-level emergency tree response and high-standard care for homeowners.
Stand With the Pros
Are you ready to be part of an organization that fights for fair market value and ethical standards? The ATCP is advocating for your business every day.
Join the movement raising the standard of the Tree Care profession.
