Tier 1 – Basic Checkup
Who it’s for:
Homeowners (and small landlords) with a carrier or IA estimate in hand.
What they get:
Review of the adjuster’s estimate (PDF/XLS)
Plain-language summary (1–2 pages) of:
Overall adequacy
Key risk areas (under-scoped trades, code issues, O&P, etc.)
Missing & Under-Scoped Items List
Bullet/table list by room or trade
Not “full rewrite”; targeted gaps and red flags
Adjuster Conversation Guide
Example phrases and questions:
“Can you explain why X wasn’t included given Y?”
“Are code upgrades for [city/county] considered in this estimate?”
One follow-up clarification email
They can email one follow-up question after reading the report.
Price: $149.99
For smaller, simpler claims (e.g., under $25k; basic water loss, small fire).
Deliverable:
High-level summary
List of missing/under-scoped items
Short adjuster talking points
Turnaround: 3 business days
What You get?
A plain-English summary of our findings
A list of potential missing/under-scoped items
Suggested talking points for your adjuster
What you get
Missing-scope add list (organized and practical)
Quantity/logic flags (where scope doesn’t match real repair needs)
Documentation gap checklist (what photos/docs are missing)
Carrier-facing summary notes (professional tone)
Best for
Insurance restoration contractors building supplements
Teams who want fewer change-orders and smoother approvals
What to upload
Adjuster estimate (PDF/ESX preferred)
Your estimate/bid (optional)
Photos, moisture logs, mitigation docs (optional)
After purchase
You’ll be directed to upload your files. If you don’t have everything yet, upload what you have—we’ll tell you what’s most helpful.
ESTIMATE REVIEW & VARIANCE REPORT ($149)
What You Receive:
• Full line-by-line review of your adjuster’s estimate
• Identification of missing demolition, protection, prep, reconstruction, labor minimums, and material quantities
• Identification of improperly depreciated items
• Comparison against IICRC, building code, and industry standards
• A written variance report highlighting EVERY missing or underpriced line item
• Recommended next steps for supplements or corrections
How This Impacts Your Claim:
• This step alone typically reveals 30–60 missing line items
• Most estimates are underwritten by 25–50%, which is why this service often leads to
~50% claim increases before negotiations even begin
CLAIM STRATEGY & NEGOTIATION GUIDANCE ($195/hr)
What You Receive:
• One-on-one coaching on how to communicate with the adjuster
• Step-by-step guidance on what to say (and what NOT to say)
• Talking points to defend your contractor’s scope
• Responses to denials or pushback
• Rebuttal templates and escalation paths
• Clear explanation of policy terms relating to your situation
How This Impacts Your Claim:
• Homeowners using coaching typically secure 40–60% higher final settlements
• Prevents costly communication mistakes that lead to denials or reduced coverage
• Ensures the carrier cannot ignore valid scope items
SUPPLEMENTAL ESTIMATE PACKAGE ($350–$750)
What You Receive:
• A full Xactimate supplement created by a former contractor + large-loss adjuster
• All missed repairs, code upgrades, line-of-sight requirements, and correct quantities added
• Proper trade sequencing, labor minimums, and specialty items
• ITEL and material matching alignment
• Written F9 notes and justification for each added line item
• A ready-to-send package you can deliver directly to your carrier
How This Impacts Your Claim:
• Supplements usually add 40–80% additional value depending on what the adjuster missed
• Contractors often charge for things carriers refuse until properly documented
• With a correct supplement, the carrier typically increases the claim payout by 30–70%