Insurance Estimate Review Tool

Upload Insurance Carrier Estimate

Structural analysis • Trade detection • Observational findings

Insurance Estimate Review analyzes carrier-provided estimates (typically in Xactimate format) and generates observational findings about estimate structure, trade categories, and line item patterns.

This is NOT claim advocacy. This tool does not argue with carriers, interpret coverage, or provide negotiation assistance.

What This Tool Does NOT Do

Does NOT negotiate with insurance carriers
Does NOT interpret policy coverage or exclusions
Does NOT determine what carrier "should" pay
Does NOT provide legal advice or claim strategy
Does NOT give pricing opinions on carrier estimates
Does NOT review or argue on your behalf

What You Receive

Common Use Cases

Reviewing Carrier Initial Estimate

Upload the initial estimate provided by your insurance carrier. System detects trade categories present and not present. Observational findings only - no opinions on adequacy.

Comparing Multiple Estimates

Upload carrier estimate and contractor estimate separately. Compare trade categories detected in each. System does NOT determine which is "better" or "correct".

Understanding Estimate Structure

Upload carrier estimate to understand Xactimate format, trade codes, and line item structure. Educational/observational use only.

Critical Disclaimers

This tool provides observational analysis only.

Categories not detected ≠ carrier error or under-payment
Integrity observations ≠ estimate is wrong or inadequate
This is NOT a determination of what you are owed
This is NOT coverage interpretation
This is NOT pricing analysis

For coverage questions, consult your policy. For negotiation help, hire a public adjuster. For legal advice, consult an attorney.

Insurance Estimate Review