WorkflowGeneral Claims·Supplement phase
13 min execution

Carrier Estimate Review Workflow

Systematic workflow for reviewing carrier Xactimate estimates — room list validation, line item gap analysis, quantity checks, and supplement routing before production commits to under-scoped work.

Claims Ninja Operations

Purpose

Review every carrier estimate against field reality using a structured comparison method — not gut feel. Carriers build estimates for speed and standardization; this workflow catches the profitable line items and quantity gaps that templates routinely miss.

When to use

  • Carrier estimate received and assigned during intake

    Signal: Estimate in inbox or XactAnalysis queue

  • Internal estimate differs from carrier by more than your threshold

    Signal: Dollar delta flagged in comparison spreadsheet

  • Homeowner questions why your contract price exceeds the carrier estimate

    Signal: Sales call or email referencing carrier ACV/RCV numbers

  • Revised carrier estimate arrives after re-inspection or partial approval

    Signal: Estimate version increment or adjuster revision email

Required documentation

  • Current carrier estimate (latest version)

    Note version number, price list, and whether sketch is included.

  • Contractor field estimate or scope worksheet

    Room list, SF counts, material grades, and trade breakdown.

  • Line-by-line comparison spreadsheet or marked-up PDF

    Columns: carrier qty, field qty, delta, photo ref, supplement priority.

  • Field photos supporting quantity and scope disputes

    Measurements visible in frame for SF-dependent line items.

  • Applicable code research for upgrade line items

    Local amendments for ice barrier, smoke sealing, AFCI, or similar.

Step-by-step process

  1. 1

    Validate sketch and room list against site

    Project Manager
    • Compare carrier sketch room count and names to actual floor plan — flag missing rooms.
    • Verify ceiling heights, openings, and attached structures (garages, porches, sheds).
    • Check whether carrier grouped or split rooms in ways that reduce quantities.
    • Document sketch errors with photos and revised room list.
  2. 2

    Scan line items for category gaps

    Supplement Coordinator
    • Review each trade section: general conditions, demo, rough, finish, contents, exterior.
    • Flag missing categories — no permit line, no debris, no supervision, no equipment.
    • Compare material grades and line descriptions to field observations.
    • Mark carrier macro assumptions that do not match job-specific conditions.
  3. 3

    Verify quantities on high-value line items

    Supplement Coordinator
    • Recalculate SF for flooring, roofing, drywall, paint, and mitigation from field measurements.
    • Check unit counts: fixtures, windows, doors, LF of trim, and equipment days.
    • Identify line items with zero quantity or bundled quantities that hide gaps.
    • Prioritize quantity disputes by dollar impact and evidence strength.
  4. 4

    Review O&P, tax, and pricing alignment

    Supplement Coordinator
    • Assess O&P eligibility based on trade count and coordination documentation.
    • Confirm tax jurisdiction and overhead/profit calculation method match carrier standards.
    • Compare unit prices on disputed lines against price list — not market anecdotes.
    • Route O&P questions to O&P qualification guide if multi-trade scope exists.
  5. 5

    Route validated gaps to supplement workflow

    Project Manager
    • Classify each gap: high-confidence supplement, needs more photos, or low priority.
    • Set production guardrails for high-confidence gaps — do not absorb unpaid work.
    • Hand off gap list and comparison sheet to supplement coordinator with photo refs.
    • Update homeowner scope letter with items pending carrier review.

Quality gates

  • Carrier room list validated against site — discrepancies documented

  • Line-by-line comparison completed for all trades on the job

  • Gap list prioritized by dollar impact with photo references

  • PM acknowledges production guardrails for unresolved high-value gaps

Common mistakes

  • Reviewing only total dollar amount instead of line items

    Impact: Missing line items hide inside a total that looks 'close enough.'

    Correction: Compare line by line — totals lie when errors offset each other.

  • Assuming carrier sketch dimensions are accurate

    Impact: Quantity gaps on every SF-based line item; supplements look inflated.

    Correction: Measure independently and document variances before arguing quantities.

  • Adding line items without field photos

    Impact: Supplement credibility drops; adjusters deny template-style requests.

    Correction: Every added line item needs a photo or measurement reference before the gap list is final.

  • Delaying estimate review until mid-production

    Impact: Demo destroys evidence; supplements appear retroactive.

    Correction: Complete review within 48 hours of estimate receipt per intake checklist.

Supplement opportunities

  • Carrier estimate missing steep/high, equipment, or access charges

    Photos of roof pitch, story height, tight access, or occupied work areas.

    Line item hint: Steep charge, high work, scaffolding, temp protection.

  • Extended drying or monitoring beyond carrier template defaults

    Moisture logs, equipment placement photos, daily monitoring records.

    Line item hint: Additional air mover days, dehu runtime, monitoring visits.

  • Code-required upgrades not in carrier estimate

    Code citation, permit requirements, photos of non-compliant existing conditions.

    Line item hint: Ice barrier, AFCI, smoke sealing, fire blocking.

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