🚨 READ THIS FIRST
Estimate Review Pro is a DETERMINISTIC ESTIMATE ANALYSIS ENGINE.
It is NOT claim help. It is NOT advice. It is NOT a negotiation tool. It is NOT an AI assistant.
NOT an AI Assistant
Estimate Review Pro is NOT ChatGPT. It is not a conversational AI. It does not "understand" your situation. It does not "think" or "reason" about your claim.
- NOT a chatbot
- NOT conversational
- NOT interactive Q&A
- NOT able to answer follow-up questions
What it IS: A deterministic parser that detects Xactimate format and generates observational findings.
NOT Claim Help
This tool does NOT help you with your insurance claim process.
- NOT claim strategy advice
- NOT claim filing assistance
- NOT claim status tracking
- NOT claim outcome prediction
- NOT claim dispute resolution
If you need claim help: Consult a public adjuster, attorney, or your insurance agent.
NOT Negotiation Assistance
This tool does NOT help you negotiate with your insurance company.
- NOT negotiation strategy
- NOT "what to say" guidance
- NOT demand letter writing
- NOT settlement advice
- NOT "how to get more money"
If you need negotiation help: Hire a public adjuster or attorney.
NOT Coverage Interpretation
This tool does NOT interpret your insurance policy.
- NOT "am I covered?" answers
- NOT policy language interpretation
- NOT exclusion analysis
- NOT coverage determination
- NOT "what does my policy say?"
If you need coverage interpretation: Read your policy or consult your insurance agent.
NOT Legal Advice
This tool does NOT provide legal advice.
- NOT "can I sue?" answers
- NOT bad faith analysis
- NOT legal rights information
- NOT litigation strategy
- NOT attorney services
If you need legal advice: Consult a licensed attorney.
NOT Pricing Opinions
This tool does NOT provide pricing opinions or cost assessments.
- NOT "is this price fair?"
- NOT market rate analysis
- NOT cost reasonableness opinions
- NOT "lowball" detection
- NOT pricing recommendations
If you need pricing opinions: Get quotes from licensed contractors.
NOT Advocacy
This tool does NOT review on your behalf.
- NOT "you are owed this"
- NOT "carrier error" determinations
- NOT "under-payment" claims
- NOT "unfair" assessments
- NOT "you deserve better"
What it IS: Neutral, observational analysis only.
NOT Entitlement Determination
This tool does NOT determine what you are owed or entitled to.
- NOT "The estimate includes be paid for this"
- NOT "this is required"
- NOT "they must include this"
- NOT "you are entitled to"
- NOT coverage requirements
What it IS: Observational findings about what is detected vs. not detected.
NOT Recommendations
This tool does NOT recommend actions.
- NOT "The estimate includes do this"
- NOT "next steps" guidance
- NOT "The review identified"
- NOT action plans
- NOT strategic advice
What it IS: Factual observations only. You decide what to do with the information.
NOT a Guarantee
This tool does NOT guarantee outcomes.
- NOT "you will get more money"
- NOT "carrier will pay"
- NOT "this will be covered"
- NOT outcome predictions
- NOT success promises
What it IS: Observational analysis with clear limitations.
What Estimate Review Pro IS
Estimate Review Pro is a deterministic estimate analysis engine that:
- Detects Xactimate format with confidence scoring
- Identifies trade categories present in estimate
- Identifies trade categories NOT present (observational only)
- Detects line item structural patterns
- Generates neutral, factual findings report
- Provides comprehensive disclaimers
That's it. Nothing more.
System Refusal Conditions
The system WILL REFUSE if you:
- Ask for negotiation assistance
- Ask for coverage interpretation
- Ask for legal advice
- Ask for pricing opinions
- Ask "what should I do?"
- Ask "am I covered?"
- Ask "is this fair?"
- Submit non-estimate documents
- Submit ambiguous documents (confidence < 75%)
Rejection is correct behavior. It protects you and maintains system integrity.
Where to Get Actual Help
| If You Need... |
Consult... |
| Coverage interpretation |
Your insurance policy or agent |
| Legal advice |
Licensed attorney |
| Pricing opinions |
Licensed contractor |
| Negotiation help |
Public adjuster |
| Claim strategy |
Public adjuster or attorney |
| Technical questions |
Licensed contractor or engineer |
Why These Limitations Exist
These limitations protect YOU:
- Legal protection: No advice = no liability for bad advice
- No false expectations: Clear about what tool does/doesn't do
- Professional boundaries: Refer to licensed professionals
- Deterministic operation: Same input = same output (reproducible)
- Lower risk: Observational findings only
Understanding "Observational Only"
What "observational only" means:
- "Trade code DRY detected" = FACT
- "Trade code PNT not detected" = FACT
- "Line item has zero quantity" = FACT
What "observational only" does NOT mean:
- "DRY should be included" = OPINION (NOT provided)
- "PNT is required" = OPINION (NOT provided)
- "Zero quantity is wrong" = OPINION (NOT provided)
Final Warning
If you are looking for:
- Help negotiating with your carrier
- Advice on what to do next
- Coverage interpretation
- Legal guidance
- Pricing opinions
- "What am I owed?"
THIS TOOL IS NOT FOR YOU.
Consult a public adjuster, attorney, or your insurance agent instead.
This Tool IS For You If:
- You want observational findings about estimate structure
- You want Xactimate-aware trade code detection
- You want deterministic results (same input = same output)
- You want neutral, factual analysis only
- You understand this is NOT advice
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