Whenever covered property sustains a loss from a covered cause, the insurer should include overhead and profit in its claims payment to the insured. The question is, how much should be paid and when? The focus of arguments over the question is that overhead and profit be paid at the time of actual cash value payment and only when it is reasonably likely that insureds will be using contractors to do the work; for insureds to recoup that money to do the work themselves is viewed by some insurers as being a windfall and will not be paid. This is a controversial subject with no quick solution in sight. See Overhead and Profit.