For Public Adjusters · Contractors · Attorneys
Your carrier's estimate is probably short. Here's the gap.
Upload your carrier estimate. In under 2 minutes, see every missing line item, suppressed price, and coverage gap — with a demand letter ready to send.
Their carrier-approved estimate came in at
Estimate Review Pro analyzed the scope, pricing, and line items — revealing a true loss range of
Across thousands of claims, 8 out of 10 carrier estimates contain material deficiencies — missed scope, suppressed pricing, or incomplete coverage application.
These gaps are not always obvious — they emerge through structured, line-by-line analysis.
Estimate Review Pro systematically identifies:
Scope omissions
Line items never included
Pricing suppression
Below-market labor/material rates
Code upgrade gaps
Overlooked requirements
O&P exclusion opportunities
Coverage misapplication and structural underpayment
All outputs are structured, defensible, and ready for negotiation, escalation, or litigation support.
You're not reviewing an estimate.
You're quantifying exposure.
Stop Accepting Incomplete Estimates
Surface the real numbers. Document the gap. Strengthen your position.
No account required to see your preview · Paywall after analysis, not before
Why Professionals Use Estimate Review Pro
Because accurate scope, pricing, and coverage analysis determines the true value of a claim.
| What Determines an Accurate Estimate | Manual / Basic Review | Estimate Review Pro |
|---|---|---|
| Time to first insight | Hours | Under 2 minutes |
| Scope Completeness | Obvious items reviewed | Systematically identifies missing and omitted scope |
| Line Item Accuracy | Spot-checked | Full line-by-line validation |
| Pricing Evaluation | Compared loosely | Identifies suppressed labor and material pricing |
| Code & Upgrade Gaps | Often overlooked | Detects code requirements and upgrade opportunities |
| O&P Eligibility | Missed or inconsistently applied | Evaluates inclusion based on project complexity |
| Coverage Alignment | Not fully evaluated | Aligns estimate with applicable policy coverage |
| Structural Underpayment | Partially identified | Quantifies total underpayment exposure |
| Consistency | Varies by reviewer experience | Standardized analysis across all estimates |
| Documentation Strength | Limited notes | Structured findings ready for negotiation or escalation |
| Claim Leverage | Weak or undefined | Clear, defensible position with quantified gap |
Most estimates are not fully accurate — not because they are intentionally incorrect,
but because scope is incomplete, pricing is suppressed, or coverage is not fully applied.
Estimate Review Pro identifies and quantifies these gaps — turning estimate review into a structured, defensible analysis.
Underpayment is rarely a single issue — it is typically a combination of missing scope, suppressed pricing, and incomplete coverage application. This identifies and quantifies all three.
Example Estimate Analysis
Carrier Estimate
$18,200
Independent Scope
$36,750
Identified Gaps:
- •Missing scope items
- •Suppressed pricing
- •Code upgrade omissions
Result:
Clear, documented underpayment with defined negotiation position
Each flagged item is documented and can be supported in supplements, negotiation, or escalation.
See your analysis before you pay
The paywall sits after your preview — not before it.
Estimate Comparison
Parse carrier and contractor estimates into structured line items. Detect missing trades, incomplete scope, and misaligned quantities.
AI-Generated Dispute Letter
Automatically generate a formal dispute letter based on your analysis — ready to send to the carrier.
Export-Ready Reports
Generate clean, white-label PDFs suitable for file documentation or submission.
Built for anyone who suspects their claim was underpaid.
Estimate Review for Specific Claim Types
Roof Estimate Review
Detect missing roofing scope including starter rows, drip edge, ridge cap issues, and flashing omissions.
Water Damage Review
Identify missing mitigation scope, drying equipment gaps, and suppressed restoration work.
Fire Damage Review
Detect missing smoke sealing, thermal fogging, HVAC cleaning, and restoration scope gaps.
Interior Estimate Review
Identify missing insulation, drywall suppression, texture gaps, and paint scope issues.
Contractor Estimate Comparison
Compare contractor bids vs. insurance estimates to detect scope suppression and pricing gaps.
Xactimate Estimate Review
Analyze Xactimate line items, detect pricing manipulation, and identify missing scope.
Upload your estimate. See what the carrier missed.
No account required to see your preview. Your letter is ready before you pay.
Upload Your Estimate — Free PreviewA single identified line item typically recovers the cost of the review many times over.