How We Work With Your Contractor to Protect Your Insurance Claim
Choosing your own contractor is one of the most important decisions you’ll make during an insurance claim. But even the best contractors don’t always speak the same “language” as insurance adjusters—or understand how to structure estimates in a way carriers accept.
That’s exactly where Property Loss Pros fits in.
We work with your contractor, not against them, to make sure the scope of repairs matches what the carrier is paying for—and that nothing gets missed.
Why Your Contractor and Your Adjuster Don’t Always Align
Contractors price projects based on real-world construction needs:
• Their actual labor rates• Local material availability
• Real costs from suppliers
• Practical methods needed to complete the work correctly
Adjusters create estimates using:
• Xactimate pricing
• Carrier guidelines
• Scope minimums
• Cost-control practices
This creates gaps — and those gaps usually come out of the homeowner’s pocket.
By bringing us in early, we bridge that gap before it becomes a problem.
How Property Loss Pros Supports Your Contractor
We’re not replacing your contractor. We’re making their job easier — and protecting you from
unexpected expenses.
1. We Translate Contractor Bids Into Insurance-Ready Language
Carriers don’t accept lump-sum bids.
They require detailed, line-item documentation that matches Xactimate structure.
We convert your contractor’s scope into an insurer-friendly format so nothing gets rejected on a
technicality.
2. We Identify Missing Line Items Your Contractor May Overlook
Even experienced contractors don’t always:
• Bill for content manipulation
• Include drying documentation
• Add paint prep, masking, or containment
• Allow for material delivery
• Add trim matching or texture matching• Include ITEL-backed material pricing
• Break out trade sequencing
We ensure every legitimate cost makes it into the estimate.
3. We Compare the Contractor Bid to the Adjuster Estimate
We perform a full variance analysis to find:
• Missing or underpaid items
• Incorrect quantities
• Scope mismatches
• Trades the adjuster left out
• Upgrade vs like-kind-and-quality confusion
This allows your contractor to bid the job accurately—and ensures you’re not left covering the
difference.
4. We Help Your Contractor Prepare Documentation for Supplements
If a supplement is needed, we help:
• Gather photos
• Organize evidence
• Draft line-item justifications
• Reference IICRC S500 or manufacturer standards
• Prepare a clean, professional supplement package
Your contractor gets support; you get clarity; your carrier gets what they need.
5. We Coach You on How to Communicate With Your Carrier
We don’t negotiate the claim (we’re not public adjusters), but we empower you with:
• Talking points• Email templates
• Clear explanations
• Responses to denials
• Professional escalation steps
This keeps your contractor out of uncomfortable insurance conversations and allows you to stay
in control.
Why This Collaboration Protects You From Out-of-Pocket Costs
When your adjuster underfunds the claim, and your contractor prices the job realistically,
homeowners often get stuck paying the difference.
Our job is to:
• Align the scope
• Clarify the discrepancies
• Document what’s needed
• Support the contractor
• Ensure the carrier understands the full cost
The result:
Less stress, fewer surprises, and a more complete repair.
When Should You Bring Us In?
The earlier, the better.
We can help:
• Before repairs begin
• After receiving the adjuster’s estimate
• When your contractor submits their bid
• If the adjuster denies items
• Whenever you feel confused or overwhelmed
You Choose the Contractor. We Help Protect the Process.
Working with your own contractor gives you control—and working with us gives you
confidence.
If you want to make sure your contractor’s scope aligns with your insurance payout:
Upload your estimate and contractor bid
or
We’ll take it from there.
