Property claims technical services
I spent 22 years deciding what got cut. Now I write the file so it doesn't.
Estimates, supplements and mitigation invoice review — for public adjusters and restoration contractors who need the document to hold up on the other side of the desk.
48-hour turnaround · Published pricing · Xactimate, Symbility, Simsol
| Water extraction, hard surface | $1,204.80 |
| HEPA vacuuming, second pass | $7,254.04 |
| Negative air fan, 5 days | $725.15 |
| Air movers, 21 unit-days | $567.00 |
| Supervisory hours, 40 HR | $4,445.60 |
| Containment barrier | $2,932.26 |
| Antimicrobial, 9,795 SF | $4,211.86 |
Illustrative. Struck lines are not automatically wrong — two of these four usually survive.
What I do
Write it, review it, or teach your people to build it.
Every one of these is the same skill pointed a different direction: knowing, before anybody else looks at the file, what a carrier reviewer will do with it.
Estimate writing
Residential, commercial, large loss and mitigation — written in Xactimate, Symbility or Simsol from your scope, photos, sketch or field notes. Line item selection, quantities and supporting documentation chosen with the review in mind, because I spent twenty-two years being the review. Turnaround in 48 hours.
Supplements and revisions
Additional scope prepared and justified against the carrier's stated position, with the reasoning written out rather than left implied. Corrections to my own work are never billed.
MitPro Technical Review
A mitigation invoice read the way a carrier reviewer reads it. Every reduction sorted into what's recoverable on the record you already have, what's recoverable only if specific documents exist in the job file, and what isn't worth chasing — each with a dollar figure and the standard it rests on. Water, fire, smoke, mold and trauma.
MitPro Technical Response
A document addressed to the carrier, prepared for your company and issued over your submission — never white-labeled. It argues only the items your file can carry. Ordered after the review, never before; if there's nothing worth sending, you'll be told, and there'll be nothing to charge you for.
The MitPro File Standard
Your project managers and crew leads learn to build a file that reads from first arrival to final equipment pickup — readings, photos and estimate running in the same order, from the area of origin outward. Separate standards for water and for fire and smoke. Built on your own reduced files if you want it that way.
Consulting and appraisal support
Technical consultation on scope, causation, equipment justification and documentation adequacy, including support in appraisal. As a technical consultant to the party retaining me — not as an appraiser, umpire or advocate, and never on a contingent fee.
Who it's for
Two kinds of people send me files.
Public adjusters
You need estimates written properly and written fast, and you need them to survive the carrier's estimator rather than start an argument you have to win twice. Solo and small firms especially — the work is there whether or not you have anyone in-house who writes at volume.
I also read mitigation invoices. When a contractor's number on your loss looks wrong, or the carrier has cut it and you need to know whether the cut is defensible, that's a Technical Review.
Restoration contractors
Your invoice came back short and nobody told you which parts you could actually win. Some of what a carrier takes off is defensible and some of it isn't, and arguing the wrong ones costs you more than the money.
And when the reason it got cut is what your crews did or didn't record in the field, the fix isn't another review — it's the File Standard.
Pricing
Published, because you shouldn't have to ask.
Flat fees. Payment on order. No retainer, no contingency, no percentage of recovery — every dollar that comes back is yours.
| Repair & property estimates | Fee | Priced on |
|---|---|---|
| Roof plus up to 2 interior rooms | $100 | Minimum engagement |
| Each additional room or area | +$25 | Counted from your photos or sketch |
| Whole structure, residential | from $350 | Quoted before work begins |
| Commercial and large loss | quoted | By scope and complexity |
| Mitigation estimates | Fee | Priced on |
|---|---|---|
| Up to 4 affected areas, one level | $150 | Written from the documentation as provided |
| 5 – 10 affected areas, or two levels | $350 | Equipment count and dry log reconciled |
| 11+ affected areas, or commercial | $650 | Full verification against the file |
| Large loss | $950 minimum | Quoted above that |
| Supplements and additional scope | quoted | Corrections to my own work are never billed |
Every fee is quoted before work begins, from the documentation you send — never as a percentage of the estimate total. A writer paid on a percentage has a stake in the number coming out bigger. Mine is a flat fee agreed in advance, which is the only version of this that survives a question from the other side.
Rush turnaround, 24 hours instead of 48: add 50%.
| Mitigation invoice | Technical Review | Response |
|---|---|---|
| Your first review | Free — up to 3 major findings | — |
| $0 – $5,000 | $450 | +$150 where applicable |
| $5,001 – $15,000 | $750 | +$150 where applicable |
| $15,001 – $40,000 | $1,200 | Included where applicable |
| Over $40,000 | $1,500 minimum | Included where applicable |
You order the review. You don't order the Response. Plenty of files turn out not to support one, so it isn't sold in advance — the review tells you whether it's worth writing, and you order it then. Nothing to refund, because nothing was taken.
Training: private team session up to 10 attendees $1,200, or $2,200 built on your own reduced files. Additional attendees $99. Open webinar seats $149, $129 at 5–9, $99 at 10 or more, six-seat minimum. Consulting and appraisal support $200/hour.
Who does the work
The person who used to write the cuts.
Twenty-two years in property claims — catastrophe and daily field adjusting, desk adjusting and supplements, file review and quality assurance, account management, and director of claims at a national independent adjusting firm. Hail, wind, hurricane, fire, flood, large loss and commercial.
A good deal of that was spent on the other side of this transaction: reviewing estimates and mitigation invoices for carriers and deciding what came off. That's the whole qualification. Nobody can tell you what will hold better than the people who decide it, and almost none of them work for policyholders or contractors.
Every file is written or read by me. Nothing is white-labeled, nothing is farmed out, and if a reduction is correct the report says so — that's what makes the rest of it worth reading.
- 22 years writing Xactimate daily
- Xactimate X1, Online & XactAnalysis
- Symbility and Simsol
- IICRC WRT & FSRT Certified
- HAAG Certified — Residential & Commercial, since 2005
- NFIP Flood Certified, since 2005
- Water, fire, smoke, mold and trauma
Send a file
First review is free.
Need an estimate written? Send the scope, photos and sketch and you'll have it in 48 hours. Been cut on a mitigation invoice? Send the file as the carrier received it and you'll get up to three major findings at no charge, with nothing to sign. If there's money in it, you'll know. If there isn't, you'll know that too.