Our Services
PROPERTY LOSS PRO – SERVICE BREAKDOWNS
What Each Service Includes & How Clients Benefit
Average claim improvement: 20% to 50% increase once missing scope, code upgrades, and documentation are corrected.
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
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%
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
PHOTO & DOCUMENTATION REVIEW ($75–$150)
What You Receive:
• Review of all photos, moisture readings, videos, and contractor documentation
• Identification of hidden damages the adjuster did NOT document
• Recommendations on what additional documentation is needed
• A list of missing claim elements requiring further inspection
How This Impacts Your Claim:
• Photos tell the story — but only if presented correctly
• Dozens of legitimate damages get missed simply because they weren’t photographed
the way carriers require
• Proper documentation increases approval rates by 50%+ on supplements
DEPRECIATION & COVERAGE ANALYSIS ($99)
What You Receive:
• Calculation of proper ACV vs RCV
• Identification of items depreciated incorrectly
• Evaluation of recoverable vs non-recoverable depreciation
• A breakdown of how much money is still owed to you
How This Impacts Your Claim:
• Carriers frequently take too much depreciation
• Homeowners often don’t realize they can recover thousands in withheld funds
• Typical corrections restore 10–25% of the claim value
ONGOING CLAIM SUPPORT RETAINER ($500 + $150/hr)
What You Receive:
• Priority access and rapid turnaround
• Full case management support (non-adjusting)
• Review of every revised estimate the carrier sends
• Strategy on each communication, denial, or revision
• Continued supplement preparation as needed
• Documentation coaching for both homeowner & contractor
How This Impacts Your Claim:
• This service is designed for complex or high-value losses• Ensures no part of your claim gets overlooked as the file evolves
• Typical increases: 50–100% over the initial carrier estimate
EXPERT WITNESS REFERRAL (Custom Quote)
What You Receive:
• Referral to legal teams specializing in property insurance
• Support with expert witness reports, scope justification, and Xactimate analysis
• Preparation of technical documentation for litigation
How This Impacts Your Claim:
• Legal escalation often forces carriers to resolve claim discrepancies
• Expert documentation improves settlement value by 50% or more in disputed cases
CONTRACTOR SERVICES (SUMMARY)
What Contractors Receive:
• Precise Xactimate alignment
• O&P justification defense
• Documentation compliance
• Scope sequencing and supplement-ready packages
• Improved approval rates and reduced disputes
Typical Result:
Contractors recover 30–70% more once scopes reflect required tasks, documentation, and code compliance.
WHY MOST CLAIMS INCREASE BY ~50%
1. Adjusters routinely miss 20–60 legitimate line items.
2. Most pricing defaults undervalue labor, materials, or code-specific tasks.
3. Specialty trades (HVAC, electrical, plumbing) are often under-scoped.
4. Inspections are rushed, and documentation is incomplete.
5. Xactimate templates do not automatically include required line items.
When the full and accurate scope is restored, claims usually rise by approximately 50% — sometimes more.