Not what you want to hear. Not what your attorney wants to hear. What the documentation actually says.
If your scope holds up, you'll know exactly how to defend it. If it doesn't, you'll know that before it gets worse. Either way, you're better off knowing.
Free initial review. No commitment. 24–48 hour response.
There are plenty of people who will tell you that insurance is always wrong and you're always right. That's not what happens here.
The math is the math. The standard is the standard. When your documentation holds up, the review will say so — and you'll have the language to defend it. When it doesn't, the review will say that too — and you'll know what you're actually dealing with before it escalates.
Good contractors who did good work get shorted because nobody taught them how to prove it. That's the problem this service solves.
Bad contractors who did bad work get a different answer. That's the service working correctly.
Five situations that bring contractors here. If one of these is yours, you're in the right place.
The carrier's estimate came back short. Specific items removed, reduced, or marked "not covered." You've seen this before and you're tired of it — but you're not sure if this cut is legitimate or bad faith.
Read: Why Your Estimate Keeps Coming Back ShortYou've moved past "insurance is screwing me" and into "something is wrong with how I'm doing this." You want a diagnosis, not a fight. That's the right instinct.
See: Documentation AuditThey're pushing back. Maybe they have a lawyer. Maybe they found this site. You need to know where you actually stand before this goes further — not where you hope you stand.
See: Documentation AuditYou've heard that documentation matters and you want to build good habits before you have a dispute. That's the smartest possible position to be in.
Start with the free contentDifferent estimators scope the same job differently. Field techs aren't capturing what the estimators need. You know there's a systemic problem — you just need someone to help you find it and fix it.
See: Business AssessmentNot every problem needs the same solution. Start where you are.
Free blog posts, checklists, and guides covering standards, documentation, and Xactimate. Start here if you want to build better habits before you have a problem.
A flat-fee review of the documentation for a specific job. Field notes, Xactimate scope, photos, moisture logs, carrier correspondence. Written findings: what holds up, what doesn't, and what you can realistically do about it.
A deeper look at your documentation practices, estimating approach, and team workflows. For contractors with a pattern of disputes or teams with inconsistent documentation quality.
"Your scope is defensible. Here's the specific language that supports it, here's the standard it references, and here's how to present it to the carrier. You're not wrong — you just haven't been speaking their language."
"There are three places where this scope isn't supported by what's in your field notes. That doesn't mean the work was wrong — it means the paperwork doesn't prove it yet. Here's what you'd need to fix that, and here's what you can realistically recover."
"I have to be straight with you. The way this job was scoped doesn't align with the standard for this loss type. That's not an insurance problem — that's a documentation problem. Here's what that means for this dispute, and here's what it means for the next job."
The honest assessment is not a judgment on you as a contractor. It's a reading of the math, the science, and the standard. The contractor who gets a hard answer is better off for having it — because now they know what they're dealing with before it gets worse.
Not ongoing representation. The audit tells you where you stand on a specific job. What you do with that information is up to you. If the documentation reveals a legitimate dispute that needs formal representation, you'll get a referral to someone who can engage publicly.
Not a subscription to review every job. "Review every job I submit" creates accountability without authority. The right model is the assessment (diagnose the systemic problem) or the audit (evaluate a specific job) — not the subscription.
Not a guarantee of outcome. The review might conclude that your documentation doesn't support your scope. That's not a failure — that's the service working correctly. The promise is truth, not outcomes.
Not percentage-based. Flat fees only. The incentive structure stays clean.
Three articles that address the most common contractor trigger moments. Read these before you submit anything.
The documentation standard, what carriers look for, and the difference between a legitimate cut and a bad-faith cut.
Read ArticleThe three documentation gaps that show up every week from the consulting side — and how to close them.
Read ArticleWhat the line items mean, what carriers look for, and how to spot the difference between a scope problem and a documentation problem.
Read ArticleEvery documentation requirement that carriers use to challenge estimates — organized by job phase. Initial conditions, psychrometric data, daily equipment logs, progress photos, and clearance readings.
Aligned with IICRC S500 Fourth Edition. Built from the disputes I see every week. If you're missing anything on this list, you have a gap that can be exploited.