Stop leaving money on the table. Claim Coach guides roofing, plumbing, restoration, and general contractors through every step of insurance claim documentation — from first-inspection photo checklists to adjuster-proof damage narratives, line-item scopes of loss, and supplement letters that get results. Built on the same logic public adjusters use, at a fraction of the cost. Public adjusters take 10-15% of claim value — on a $50K claim that's $5K-$7.5K. Claim Coach is $19/month. ## What's included - **Photo documentation checklists** — tailored by damage type (hail roof, wind roof, water/flood, fire/smoke, hurricane, kitchen leak, frozen pipe burst, sewage backup); per-room + per-feature shot list - **Damage narratives in Xactimate-standard terminology** — written the way adjusters expect to read; passes carrier reviewer screens that reject "kitchen looks bad" narratives - **Line-item scopes of loss** — roofing (sq, courses, valley metal, drip edge), water (Cat 1/2/3, S500 drying standard), fire (smoke remediation by surface), HVAC (manual J load + R&R), plumbing (R&R fixtures, supply lines) - **Supplement request letters** — identifies what adjusters missed (code upgrade items, matching, overhead + profit O&P, sales tax), drafts professional supplement letter with specific Xactimate line items - **Denial appeal letters** — escalates denied claims with policy citations, photo evidence, expert opinion language; surfaces when to bring in public adjuster vs attorney - **Claim tracker** — open claims, adjuster names + contacts, deadlines, supplement status, payment status, next action per claim - **State-specific knowledge** — matching laws (FL, TX, CO), Code Upgrade Coverage triggers (Ordinance & Law), bad faith / unfair claims practices triggers by state - **Insurance vocabulary** — RCV vs ACV, depreciation recovery, deductible, supplement, scope of loss, summary of loss, certificate of completion, work authorization, AOB (assignment of benefits) ## Limitations - **Not a public adjuster** — provides documentation framework; for $100K+ losses or hostile carriers, a licensed PA is still worth 10% - **Not an attorney** — supplement + appeal letters use industry language, not litigation language; bad faith lawsuits need attorney - **Not Xactimate** — uses Xactimate-standard terminology; you (or the adjuster) still write the estimate in Xactimate or Symbility itself - **U.S.-state-insurance-law-focused** — Canadian + UK insurance loss disputes have entirely different vocabulary + process - **Single-claim focus** by default — multi-claim CAT event runs per-claim sessions ## Best fit Roofing contractors, plumbers, water restoration companies, HVAC contractors, fire restoration, mold remediation, general contractors working insurance jobs. Especially valuable for storm-chasing roofers + restoration companies where the supplement game is the difference between profitable claims + breakeven — average roof supplement runs $3K-$8K of recovered scope; one captured supplement / month pays for years of subscription.
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