Expert-Grade Xactimate-Aware Estimate Analysis
Structural review with trade category detection and line item observations
Xactimate-aware structural review • Trade category detection • Line item observations
Start Your Estimate Review$149 one-time • No subscription • Deterministic results
Estimate Review Pro is a deterministic, platform-aware estimate analysis engine that performs structural review of insurance estimates. The system detects Xactimate format, identifies trade categories, and generates observational findings about estimate structure.
This is NOT an AI assistant. This is a procedural analysis tool that produces the same output for the same input every time (100% deterministic).
Detects Xactimate format with confidence scoring. Requires ≥75% confidence or rejects document. Parses 30+ trade codes (DRY, PNT, FLR, RFG, etc.).
Identifies trade categories detected in estimate. Identifies categories NOT detected. Compares against loss type expectations (observational only).
Detects zero-quantity items. Detects removal without replacement patterns. Detects structural inconsistencies. Reports observations only.
Same input = same output (100%). Rule-based findings only. No subjective reasoning. Temperature 0.0 (not AI guessing).
5-section structured report. Detected trades, categories not detected, line item observations, comprehensive limitations.
6-layer guardrails. 40+ prohibited phrase scanning. Refuses out-of-scope requests. Clear disclaimers throughout.
Paste your insurance estimate text (Xactimate format preferred). Select estimate type and damage type from structured dropdowns.
System detects Xactimate format with confidence scoring. Parses trade codes, quantities, and units. If confidence < 75%, document is rejected.
Identifies trade categories present in estimate. Compares against loss type expectations (WATER, FIRE, WIND, HAIL, COLLISION). Generates observational findings.
Runs 8 integrity rules: zero quantities, removal without replacement, drywall without paint, labor without material, and more. Reports observations only.
Generates structured findings report with comprehensive disclaimers. Same estimate = same report (100% deterministic).
The system WILL REFUSE to process:
This is by design. Rejection protects users and maintains system integrity.
Expected trades: DRY, PNT, FLR, TRM, CLN, DEM, INS. Observational comparison against water loss patterns.
Expected trades: DRY, PNT, CLN, FLR, TRM, DEM, ELE, CAB, RFG. Observational comparison against fire loss patterns.
Expected trades: RFG, SID, WIN, GUT, SHT, DRY, PNT. Observational comparison against wind loss patterns.
Expected trades: RFG, GUT, SHT, SID, WIN. Observational comparison against hail loss patterns.
CRITICAL: Loss type expectations are observational patterns only. They are NOT statements about coverage, requirements, or entitlement.
Output: Observations only. No judgments about what "should" be included.
| Feature | Estimate Review Pro | ChatGPT |
|---|---|---|
| Xactimate-aware | Yes (30+ trade codes) | No |
| Deterministic | ✓ 100% (Temperature 0.0) | No (Temperature 1.0) |
| Refuses advice | ✓ Hard refusals (403) | Soft refusals (bypassable) |
| Guardrails | ✓ Code-level (6 layers) | Prompt-level (weak) |
| Same input = same output | ✓ Always | ✗ Never |
| Legal liability | ✓ Low (observational only) | High (gives advice) |
One-Time Fee
No subscription • No recurring charges • Lifetime access
This tool provides observational estimate analysis only. It does not provide:
Categories not detected may be intentionally excluded, not applicable, or not covered under your policy.
For coverage questions, consult your insurance policy or agent. For legal questions, consult an attorney. For technical questions, consult a licensed contractor.
After reviewing your estimate structure, you may want to explore:
Upload your insurance estimate for expert-grade structural analysis.
Start Your Estimate Review