Make sure your insurance company works for you, not just themselves.
🏠 Protect Your Biggest Investment
Your property is more than a building—it’s a big financial investment. When damage happens, handling insurance reports, company rules, and repairs can be confusing. Most property owners find it hard to manage this on their own.
At Property Loss Pro’s, we are dedicated to helping you safeguard your valuable investment by providing professional insight, comprehensive structure, and employing the very same tools and methodologies that insurance carriers rely on — including advanced Xactimate estimating, meticulous documentation, and thorough scope analysis.
We ensure that your claim is thoroughly supported, your estimate is detailed and accurate, and your rebuild progresses smoothly with complete confidence and clear, transparent communication.
🧠 Experience That Delivers Clarity
Our principal consultant brings over 20 years of property damage and insurance restoration expertise, including expert witness work with multiple attorney firms and three years as a large-loss adjuster for a major nationwide carrier. That depth of experience means you get insight from both sides of the claim — helping you navigate the process strategically, efficiently, and with full confidence in every decision.
✅ Why Xactimate Is Used in the Insurance Industry
1. Standardized Pricing Database
Xactimate provides region-specific, regularly updated price lists that reflect current labor and material costs.
Ensures consistency and fairness between carriers, contractors, and policyholders.
2. Industry-Wide Common Language
Adjusters, restoration contractors, and consultants all use Xactimate—making it the “shared language” of property repair estimating.
Reduces misunderstandings and streamlines communication.
3. Transparent Documentation
Every line item includes a detailed scope description, quantity, and calculation method.
Supports accurate claim documentation and defensible supplements.
4. Efficient Estimate Review
Allows carriers to quickly verify scope accuracy and compare estimates side by side.
Saves time by minimizing back-and-forth negotiation.
5. Integrated with Claim Systems
Most major insurance carriers’ internal systems are built to import Xactimate estimates directly.
Simplifies claim management and audit trails.
6. Supports Regulatory & Compliance Standards
Follows IICRC and construction best practices for scope documentation.
Provides standardized line item structure accepted by courts, carriers, and experts.
Services we offer, How We Help
Service Description
Adjuster/Contractor Estimate Review
We conduct a meticulous and thorough evaluation of your current carrier estimate, carefully identifying any potential omissions, inaccuracies, or errors. Our process includes developing a comprehensive and well-articulated justification plan designed to support your claim clearly, effectively, and persuasively, ensuring that no detail is overlooked.
Supplement Preparation
We meticulously outline all missing line items with precision, providing detailed references and documentation. Additionally, we establish a solid and defensible pricing rationale to ensure your supplement is both complete and highly credible, increasing the likelihood of a successful claim adjustment.
Adjuster Communication Support
We assist you in crafting carefully worded, professional responses that maintain a respectful tone while remaining highly persuasive. Our support helps you communicate effectively and confidently with adjusters. Depending on your specific needs, we can also arrange and facilitate a conference call with the assigned adjuster, providing direct engagement and clarity.
Negotiation Coaching (for Contractors and Homeowners)
We offer expert guidance in presenting your data and documentation with confidence and accuracy. Our coaching equips you with proven techniques designed to withstand rigorous scrutiny during negotiations, empowering you to secure the best possible outcome for your claim.
Insurance carriers possess a variety of tools and strategies that they have consistently employed over the years to effectively reduce their costs when settling claims. Unfortunately, a significant downside to this cost-saving approach is that it often results in a noticeable reduction in the quality of work performed, as well as the materials used, compromising the thorough restoration of your property back to its pre-loss condition.
When disaster strikes, recovering your property to its original condition requires more than just filing an insurance claim—it demands expert advocacy and meticulous attention to detail. At Property Loss Pro's, we specialize in guiding property owners through the complex insurance loss process to ensure you receive every dollar necessary to rebuild your property as good as it was before the loss.
Our seasoned consultants bring unparalleled expertise in evaluating damages, interpreting policy language, and negotiating with insurance adjusters. We conduct thorough assessments to document all losses, uncover hidden damages, and identify coverage opportunities that are often overlooked. By partnering with us, you gain a powerful ally who protects your financial interests and maximizes your settlement.
Don’t settle for less than you deserve. Trust Property Loss Pro's to deliver sophisticated, results-driven consulting that turns an overwhelming claim into a fully funded recovery. Rebuild confidently, knowing we’re securing your comprehensive entitlement every step of the way.
⚙️ Our Claim Review & Negotiation Process
1️⃣ Submit Your Estimate and Photo Documentation
Upload your insurance estimate, scope of work, and supporting photos through our secure portal.
This gives us the complete picture of your loss and the carrier’s current position.
2️⃣ We Perform a Detailed Review Using Xactimate Standards
Every estimate is analyzed line-by-line for missing scope items, pricing inconsistencies, and code compliance issues.
We reference Xactimate pricing databases, IICRC guidelines, and regional construction standards to ensure accuracy and fairness.
3️⃣ Receive a Negotiation Plan and Carrier-Ready Justifications
You’ll receive a written negotiation plan highlighting key differences, missing items, and suggested talking points.
We include carrier-ready justifications that explain why certain line items are valid and necessary — structured in the same format used by adjusters.
4️⃣ Optional: Collaborative Support
For complex or high-value claims, we can join your carrier call or email thread as your documentation consultant.
Our goal is to help you present facts clearly and professionally, improving the chances of quick, fair approval.
Reserve an appointment
Secure your financial recovery by scheduling an appointment with Property Loss Pro's today. Our expert consultants provide a meticulous review of your insurance claim to ensure you receive the maximum compensation you're entitled to. Don't navigate the complexities of your loss alone—let us identify overlooked coverages and challenge undervalued offers on your behalf. Act now to protect your property investment and expedite your claim resolution. Reach out and discover how we can support you in turning your insurance loss into a rightful settlement.
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