A written decision record
Scope, selected system, pricing assumptions, and production next steps are documented so the project can move forward from a shared understanding.
We represent you, not them
Your adjuster works for the carrier. We work for you.
We document the damage, prepare the Xactimate scope, meet the adjuster on the roof, and supplement the claim until it reflects what the work actually costs. On average we add 35% to settled claims.
Scope, access, and site conditions are reviewed before work is scheduled.
Insurance adjusters are trained to find the cheapest way to make a claim go away. Most of them are honest, but they work for the carrier — not for you. Without an advocate on your side, the first offer is almost always low.
Our claim advocacy service is exactly what it sounds like. We scope the loss in Xactimate (the same software the carrier uses), meet the adjuster in person, dispute line items that are missing or underpriced, and file supplements with photo evidence. When the check comes in, it reflects the real cost of proper repair.
You do not have to hire us for the repair to get the advocacy service — but most clients do, because we already know the scope cold.
Included in the scope
Know what the work covers.
The right scope considers the property, the service, and the details needed for a useful outcome.
- Full property damage scope in Xactimate format
- Photo and drone documentation of every claimable item
- We meet the adjuster on the roof in person
- Line-by-line review of the carrier's estimate
- Supplements filed with written justification
- Code upgrade claims (Ordinance & Law coverage)
- Depreciation recovery strategy at project closeout
- Average 35% increase over initial carrier offer
Project communication
Clear expectations. Practical next steps.
Scope, responsibilities, and communication should be easy to understand before the work begins.
Responsibility clarity
Protection, access, removal, materials, cleanup, and applicable warranty terms are considered as part of the work.
Updates by consent
Opted-in customers can receive appointment reminders, project updates, and closeout follow-up by text.
Pricing considerations
$495 flat or 5–10%
per claim. Final pricing is confirmed after the property, access, and scope are reviewed.
Flat fee — simple claim under $15k$495
Flat fee — complex claim $15k-$40k$895
Percentage — 5-10% of approved claim valueAlt. structure
Free if you hire us for the repairWaived
No approved claim, no fee$0
Before you begin
Your questions, answered.
Is this the same as a public adjuster?
Similar function, different license. We are a licensed contractor with deep Xactimate expertise. Public adjusters typically charge 10-20% — we charge less and often waive the fee if we do the repair.
Does my insurer have to talk to you?
You authorize us as your representative on a simple one-page form. From then on we are copied on all claim correspondence and attend adjuster meetings.
What if the claim gets denied?
We file a supplement with additional evidence and request a re-inspection with a different adjuster. About 70% of denials get reversed. If we cannot get it approved, our percentage-fee version costs you nothing.
Will this piss off my insurance company?
No. Carriers deal with contractors and adjusters professionally every day. You have a contractual right to representation in a claim. Using that right does not trigger non-renewal.
Do I still have to pay my deductible?
Yes. Deductibles are a legal obligation — no contractor who tells you they will "waive" your deductible is being honest. We do not do that.
Related services
Consider the rest of the property.
Storm Damage Restoration
Roof inspection, emergency mitigation when available, photo documentation, and a written contractor scope for you and your carrier to review.
Roof Replacement
Complete tear-off, deck inspection, new underlayment, ice-and-water shield, and premium architectural shingles. Crews show up on time, clean up with a magnetic sweep, and document the system-specific material and mechanical workmanship warranty.
Emergency Tarp Service
On-site within 24 hours, tarp installed correctly (not just thrown over), and the full callout fee credits toward your permanent repair.
Let’s talk about your property.
Share the work you have in mind, your property location, and your timing. We will help identify the next step.