Goal: deliver comprehensive, accurate estimate within 24 hours of complete documentation.
1. Claim Review
Review all documentation, identify missing info immediately, contact client, review policy and endorsements.
2. Estimate Creation
Use Xactimate and/or T&M. Include all line items with justification, photos, code citations, O&P where applicable, detailed scope narrative.
3. Client Delivery
Upload to portal, send update, schedule review call if needed, get client approval before submitting to insurance.
Red Flags
Rushing estimates = more pushback later. Clients pushing for unethical scope inflation leads to lower settlements and disgruntled clients.