The Pattern That Repeats

First, contractors try to push their estimate.

Then they bring in a third party to suppliment.

Then they escalate to a PA.

They may decide to invoke appraisal.

Each step adds cost, delay, and complexity —

without changing the underlying dynamics of how the claim is being flown.

The problem isn’t effort.

It’s workflow and the game plan.

Most contractors are not influencing the flight.

They’re just responding to turbulence.

Influence doesn’t come from confrontation.

You are not an advocate for the insured & you should never worry about what is covered.

It comes from running the right plays and the right workflow — at the right time.

Construction Management

& Contractor Companies

Remediation-Mitigation

Companies

Individuals

Sales - Project Management

Estimate Writers

& Carrier Liaisons

Claim Success Workflow GamePlan is an invisible extension of you, your company, construction sales people, liaisons, and PA's.

"Claim Success" provides the insured the full opportunity to present a credible, well-supported estimate, so the insurer can evaluate the claim fairly under the policy. Handing an adjuster a pile of poo does not lead to the adjuster making their best decisions or determinations.

"Workflow" provides efficiency, consistency and credibility. When your team is not consistent, when each salesperson or project manager is not consistent, the adjuster and the carrier view your team and your company as exaggerating costs, fluffing. You are seen as a problem not fair or resonable.

"GamePlan" provides tried and successful methods. We call them proven methods because they have been tried and they have been successful. There are tactics the adjusters and carriers use to test you. Their playbook has tried and proven to work plays to stretch the cllaim out and test your resolve. To see if you are full of it or can show your estimate is reasonable,

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In consistent Scopes Lead to inconsistent estimates.

Inconsistent estimates are seen by adjusters as proof your company is fluffing your estimates, exaggerating them, inflating them.

That's when the adjuster digs in. It becomes much more difficult to convince the adjuster your estimate is fair.

Claim Success Workflow GamePlan is a system for scoping the loss ensuring one thorough inspection rather than two or more inconsistent inspections.

The mistake contractors and their sale steam make is they are in a hurry which causes their scope to be inaccurate which leads to losing estimates.

The contractor believes that if they get the right approval they will go back, this however is backwards and causes the contractor to get a lowball estimate from the adjuster.

The scope is critical to getting a fair adjuster estimate.

Reasonableness, as used by us, means an effort to write an estimate based on the proper restoration of the useful life of the damaged product or material. Estimates prepared in accordance with manufacturer specifications, applicable building codes, and accepted construction standards, and which fulfill the objective of restoring useful life, are considered by us to reflect proper restoration. Coverage determinations remain the responsibility of the insurance carrier under the policy purchased by the insured.

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Not Understanding How Insurance Works Causes Contractors to follow the Pack

The number 1 reason most contractors get low insurance settlements, is because most contractors' fail to demonstrate or prove that their estimate is reasonable.

If you are relying on your opinion then all the adjuster must have is an adverse, or opposite or different opinion to dismiss your estimate as not reasonable.

Even if you are an expert that is performing work or getting paid to manage it, your opinion is seen as biased because you are the contractor who gets paid from the work.

It doesn't matter that you know more than the adjuster about the topic your are disputing.

Substantiated Cost Estimations GET PAID!

Claim Success Workflow GamePlan PROVES your estimates are reasonable 100% of the time!

Reasonableness, as used by us, means an effort to write an estimate based on the proper restoration of the useful life of the damaged product or material. Estimates prepared in accordance with manufacturer specifications, applicable building codes, and accepted construction standards, and which fulfill the objective of restoring useful life, are considered by us to reflect proper restoration. Coverage determinations remain the responsibility of the insurance carrier under the policy purchased by the insured.

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Way Too Much Time Devoted to Satisfying Adjusters Only to Receive Less Than Fair Checks.

Why spend money hiring and training someone to write Xactimate estimates that are not necessary.

Why hire someone to be an insurance admin when the best they can be is ok.

I am sure your admin does a fine job. BUT... Do you really think an insurance EXPERT would work for a few bucks an hour?

Why Third-Party Estimate Firms Don’t Change the Trajectory

Many contractors assume the solution is to bring in a third party to “fight the estimate.”

But estimate vendors don’t change how the claim is piloted.

They enter after the flight path is already established.

Most work the same way:

  • write what contractors expect

  • write what they believe the carrier will accept

  • revise scope of the work and estimate to gain approval

  • negotiate against themselves

The result is predictable:

  • small concessions over time

  • capped outcomes

  • more delay

  • more frustration

  • the same landing—just slightly adjusted

The carrier sees this, they plan for it. It's part of their Playbook. They know what they will concede and they run plays to drag it out because time is their friend and your enemy.

The playbook never changes.

Only the paperwork does.

Why Public Adjusters Aren’t the Answer Either
When estimate revisions don’t change the trajectory, many contractors—and insureds—assume the next step is to hire a public adjuster.

In some cases, that’s appropriate.

In many others, it creates a different set of problems.

The most experienced public adjusters rarely take small residential claims.

Not because they lack skill—but because the economics don’t work.

A public adjuster can invest the same amount of time in a large loss and be compensated significantly more. Smaller residential claims are often:

  • more labor-intensive,

  • handled by less-experienced adjusters,

  • governed by tight procedural requirements,

  • and more likely to be slow-walked by carriers who know escalation is unlikely

As a result, many public adjusters who do take these claims are either:

  • early in their practice, or

  • stretched thin across too many files.

That can introduce new risks.

  • Missed deadlines.

  • Procedural missteps.

  • Communications that escalates conflict without improving leverage.

And because a public adjuster acts as the insured’s representative, those missteps don’t just affect the claim—they can be held against the insured.

At that point, the claim isn’t just drifting.

It’s been handed off to someone else to fly —

without changing the flight plan.

Our worst settlement is likely better than your best.

Getting an initial carrier estimate of $2,000 then running our plays resulted in a nearly $90,000 approval.

It's not an accident and it's not a fluke. It's a science, it's knowledge we have that most do not.

You need the right Workflow.

You need the right GamePlan.

You Need "Claim Success Workflow GamePlan"

Construction Management

& Contractor Companies

Remediation-Mitigation

Companies

Individuals

Sales - Project Management

Estimate Writers

& Carrier Liaisons

Claim Success Workflow GamePlan

From MyClaimCoPilot

When the right system is in place,

and the right plays are run at the right time,

claims stop drifting, stop diverting, stop crashing — and start landing where they should.

Construction Management

& Contractor Companies

Schedule Consultation

Remediation-Mitigation

Companies

Individuals

Sales - Project Management

Estimate Writers

& Carrier Liaisons

Your Business with MyClaimCoPilot's "Claim Success Workflow GamePlan"

“Structured System,” “Efficient Project Management,”

"Effective Insurance Communication",

"Fully Customizable to Your Needs", “Performance & Profit Driven"

Designed for Better Outcomes

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Construction Management

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Remediation-Mitigation

Companies

Individuals

Sales - Project Management

Estimate Writers

& Carrier Liaisons

The Insurance Claim is a High Stakes Game. A Game that the carrier and their adjusters have a playbook for. Carriers run plays designed to reduce the amount paid to the insured. Some contractors have a workflow, some have game plan, but most are playing by the wrong rules and missing substantial opportunities. Contractors see 3rd party estimate writers and insurance liaisons as necessary and efficient. Most estimate writers are brought in because the contractor would rather their salespeople not be responsible for their own estimates and hiring an admin means hours of training for mediocre results. Hiring an expert is far to expensive. When salespeople write their own estimates they often differ from each other. This will be seen by the carrier as estimate inconsistency and will jeopardize your position in the eyes of the carrier. They will automatically assume that there is fluff in the numbers and your credibility will be gone. Third-Party Estimate Firms Don’t Change the Trajectory. They write what other contractors write, they write what they believe the carrier will accept, they revise your scope and estimate to gain approval, negotiating against themselves. Essentially they assume they must agree with the adjuster. Remember they are often trained by the adjusters and the carriers. That means they too are running the carrier's playbook against themselves and your construction company. 3rd party estimate writer results are predictable. Small concessions over time, capped outcomes that were likely predetermined by the carrier a head of time, more delay, more frustration. Each claim the carrier devises new plays and it takes months and sometimes a year or more for estimate writers to find what they believe is a solution. Often the solution is seen months a head of time and perhaps even when the play was devised. Public Adjusters Aren’t the Answer Either. Most public adjusters that work small residential insurance claims lack a winning game plan. They are PAs that are early in their PA career. Those PAs that have been a public adjuster a long time may well be running the carrier's playbook without realizing it. Regardless, PAs are often stretched thin across many claim files. Inexperienced, poorly trained, and overstretched PAs can introduce risks. Missed claim and policy deadlines, claim procedural missteps, communications that escalate conflict without improving leverage. And because a public adjuster is the insured's fiduciary, acting as the insured’s representative, in the insured's best interests, those missteps don’t just affect the claim — they can be held against the insured. Claim success is not won by arguing coverage, or running the adjusters plays. Claim Success is a step by step process. It's a proven workflow & a GamaPlan for each claim. Restoror provides third party support services designed to maximize efficiencies and increase your restoration business' productivity and profits while minimizing wasted resources and time. MyClaimCoPilot offers the "Claim Success Workflow GamePlan". A program, a system, that is customizable to any contractor, easy to implement, puts your construction company, your salespeople, in a position where they have the best chance to win each and every claim. It works for PAs and estimate writers, and even attorneys.

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