The complete field guide to supplementing property insurance claims — written by a licensed public adjuster and contractor who has sat on both sides of the desk.
Most contractors doing insurance restoration work are getting underpaid — not because they're bad contractors, but because no one taught them the language of the insurance claim.
Carriers issue low estimates and count on you not knowing how to push back — or what to push back with.
You know what the building department requires. The carrier doesn't care — unless you know how to document and demand it properly.
Overhead & profit is legally owed on most claims. But if you don't know the case law and how to request it, it won't appear.
Poorly written supplements get ignored. The right format, the right documentation, and the right language get results.
Appraisal, mediation, arbitration — each has specific triggers, timelines, and strategy. Most contractors never use them.
Weak photos and missing measurements give carriers every reason to deny or reduce. Proper documentation is a skill.
Where you fit in the claim process and how to position yourself professionally.
Key provisions, exclusions, and language that affects every supplement you write.
What carriers owe when codes require upgrades — and how to document it.
Industry standards that support your scope and how to cite them correctly.
The case law and carrier guidelines that make O&P non-negotiable.
How depreciation is calculated, when it's recoverable, and how to dispute improper withholding.
How to work within Xactimate, when to push back on line items, and how to get your numbers accepted.
What you can record, how to document conversations, and protecting yourself legally.
When to invoke appraisal, how it works, and how to choose the right appraiser.
Free or low-cost dispute options most contractors never use — and how to use them.
Process, timelines, what to avoid, and how to present your case effectively.
Start-to-finish process: inspection, documentation, submission, follow-up, resolution.
Exactly what to capture, how to capture it, and how to present it so nothing gets questioned.
Structure, language, and presentation that gets your supplement read and approved.
Special documentation requirements, scope considerations, and carrier pushback strategies.
When to bring in help, how to structure the relationship, and how to protect your interests.
Included in the Bundle:
"I've been doing insurance work for 8 years and thought I knew what I was doing. The chapter on O&P alone paid for this guide ten times over in the first month. I finally know how to back up what I'm asking for."
"The supplement checklist is something I use on every single job now. Before this, I was leaving code upgrade money on the table constantly. I didn't even know I could push back the way this guide teaches."
"The appraisal chapter alone is worth every penny. We had a $40K dispute that we didn't know how to handle. Followed the process in the book, got an independent appraiser, and ended up settling for $38K. Game changer."
One-time payment. Instant digital delivery. 30-day money-back guarantee.
🔒 30-Day Money-Back Guarantee. If you don't find value in the first 30 days, we'll refund you in full. No questions asked.
While roofing examples are used throughout, the guide covers all property damage claims — interior water damage, mold, structural, and general restoration work. The supplement process, documentation standards, and dispute resolution chapters apply to any licensed contractor doing insurance restoration.
No. Chapter 7 covers Xactimate from the ground up, and the rest of the guide works whether or not you use Xactimate. The principles apply to any estimating platform.
The author is based in Florida and includes Florida-specific statutes, but the core content — policy interpretation, O&P law, documentation, appraisal, and dispute resolution — applies in all states. State-specific resources are noted where relevant.
Immediately after payment, you'll receive an email with a secure download link for the PDF guide. Bundle purchasers also receive editable template files. No waiting, no shipping.
We offer a full 30-day money-back guarantee. If you read the guide and don't find it valuable, contact us and we'll refund your purchase in full — no hoops to jump through.