The economics of in-house vs outsourced claims
A dedicated claims manager can cost six figures annually before benefits, software, and training — and still only cover a slice of your supplement volume. For many contractors doing $5M–$50M in restoration or roofing revenue, outsourced supplementing delivers specialist expertise on a variable, performance-aligned cost.
Claims Ninja operates as an extension of your team: we handle estimate review, supplement preparation, carrier follow-up, and documentation strategy while your field leaders stay on jobs.
Build a repeatable recovery workflow
- Standardize intake photos and room labeling on every loss.
- Route carrier estimates for comparison within one business day — use the first 48 hours playbook for review and documentation standards.
- Use a single supplement queue — avoid ad-hoc emails to adjusters.
- Track approval rates and cycle time by carrier and adjuster.
- Log denials and resubmission outcomes so denial patterns surface by carrier and estimator.
Technology that supports the team
Platform visibility matters as volume grows. Client portals, claim tracking, and AI-assisted scope review reduce rework and help owners see where recovery is stalling — without hiring another desk role.