Insurance Claim Specialists for Contractors
We inspect, document, and fight every insurance claim — building the Xactimate estimates and field reports that force carriers to pay what the job actually costs.
Insurance adjusters are trained to minimize payouts. Most contractors don't have the documentation, formatting, or negotiation strategy to push back effectively — so they leave thousands on every job.
Carriers open with the lowest defensible number — knowing most contractors won't push back with documented evidence.
Legitimate damage gets omitted from estimates. You absorb those material and labor costs directly out of your margin.
Without a third-party field report, your supplement looks self-serving. The carrier controls the narrative.
Four steps from initial claim to maximum payout.
Send us the carrier estimate and job photos through our intake form. Takes 5 minutes.
For field jobs, we come to the property, walk every inch, and build our independent damage report.
A complete Xactimate-formatted supplement is delivered within 48–72 hours — carrier-ready and airtight.
Use our ready-to-submit package to negotiate. Collect what you're actually owed, not what they offered.
From on-site inspection to the final negotiated dollar.
We come to the property and physically inspect every damage point. Every surface, every penetration, every line item the adjuster skipped. We photograph, annotate, and build a timestamped independent report that carriers can't dismiss — because it's third-party documentation that predates their estimate.
Why this matters:
When a contractor submits a supplement alone, adjusters can call it self-serving. When we submit an independent field report built before the carrier's estimate was finalized — it changes the entire negotiation dynamic.
We build or rebuild your estimate from scratch in carrier-standard Xactimate format. Line by line. Nothing left out. Formatted exactly the way adjusters expect — which means fewer objections.
We identify every missed line item in the carrier's estimate and write a complete supplement justification with documentation ready to submit. No guesswork, no fluff — just documented scope.
Scripts, email templates, and direct strategy support for pushing back on adjusters. You stay in control of the relationship — we arm you with what to say and when.
Learn the supplement process yourself. Our community and course teach you to read carrier estimates, identify missed scope, and handle claims in-house — so you keep more long-term.
The $549 flat fee and 15% recovery share are separate charges — both apply on Field Inspection jobs. No supplement recovered = no recovery share owed.
This is what the math looks like when we go to work for you.
Send us your first carrier estimate and we'll review it free — showing you exactly what's been left on the table before you ever pay us a dollar.
(801) 564-5318 | office@theclaimadvocates.com | theclaimadvocates.com