Estimate review tied to documented damage.
Estimate disputes often come from unclear scope, unsupported line items, overlapping trades, missing documentation, or repair proposals that do not align with the observed conditions. Theo helps organize the estimate issues so claim teams can understand what is supported, what requires clarification, and what remains pending.
The goal is not to replace carrier authority, but to provide structured technical and estimating support for the claim file.
Estimate review is most useful when it connects line items back to photos, measurements, reports, invoices, observed conditions, and the actual repair method being proposed.
Review Framework
| Review Area | Theo Focus |
|---|---|
| Scope alignment | Compare estimate items against documented damage, field notes, photos, expert findings, and repair recommendations. |
| Line item support | Identify items needing backup, measurement support, invoice support, or clarification from the contractor or expert. |
| Duplication and overlap | Review overlapping trades, repeated quantities, unsupported detach/reset items, and potentially duplicative charges. |
| Mitigation and emergency services | Review invoices, drying records, equipment charges, labor notes, moisture maps, and documentation completeness. |
Common Support Areas
- Xactimate estimate review and line item analysis
- Contractor estimate comparison and variance notes
- Mitigation invoice review and documentation requests
- Supplemental estimate review
- Repair scope reconciliation
- Outstanding information and estimate issue tracking
Common Variance Issues
- Quantities that do not match room dimensions or roof measurements
- Line items unsupported by photographs or field observations
- Repair method differences between contractor and expert scope
- Mitigation labor or equipment charges without adequate logs
- Supplement requests missing explanation, photos, or backup
- Overhead, access, protection, and sequencing issues requiring clarification
Deliverables
Estimate Review Memo
Clear summary of scope, cost, documentation, and line item issues for claim handler review.
Variance Summary
Comparison of estimate differences, unsupported items, duplications, and items needing clarification.
Document Request List
Organized list of invoices, photos, measurements, reports, or backup needed to complete review.