Insurance claim fields

An insurance job carries references a retail job never has: who insures the property, a claim
number, and — the part people get wrong — a price that arrives in four separate payments
instead of one.

Those fields live in the quote builder under Insurance & Claim Information, which
collapses to keep the builder short and sits next to the line items and the totals.

The claim references

• Insurance Carrier — the company insuring the property (for example, State Farm).
• Claim Number — the reference off the carrier's paperwork (for example, 63-K751-9M49).
• Policy Number — optional; fill it in if the homeowner has given it to you.

These are the job's identity in your own records and the thing you would quote over the phone
to an adjuster.

The four payment stages

Under How this job gets paid (from the carrier's estimate) you record the four figures a
property claim actually pays in:

• Deductible ($) — the homeowner's own share of the claim. By policy (and by Texas law) it
  is never paid by the carrier.
• First Check / ACV ($) — the first payment, normally the depreciated value of the
  approved scope.
• Recoverable Depreciation ($) — the withheld portion the carrier releases once the work
  is complete.
• Approved Supplements ($) — money for work the carrier agreed to after the original
  estimate: undetected damage, code upgrades, a second trade pulled in.

The balance check

The builder does the arithmetic you would otherwise do on a napkin. It shows the four stages
as one figure beside the quote's total:

• "Four stages: $X" against "Grand Total: $Y", so you can see both at once.
• In the balanced state it says so plainly: "The four stages add up to the Grand Total."
• When they disagree it names the gap instead of hiding it: "Off by $Z — the stages total
  more than the quote." (you have priced less work than the carrier is paying for) or
  "the stages total less than the quote." (there is work in the quote that no stage
  covers).

When the stages come up short, the app does not quietly restate anything. It offers Set
First Check to the remaining balance — one click, which writes the difference into the
first check so the four stages equal the order value. That shape is common in practice: the
original ACV figure moves once the supplement is agreed. You decide whether to take it, and
Clavoz never edits a payment figure on its own.

Until you enter anything, the block explains itself: "Fill these in from the carrier's
estimate and they will print on the client's proposal."

Where the numbers come from

Two things bring these figures in, and it is worth knowing which is which:

• The Parser reads the references off the carrier's PDF. Upload the estimate to the
  Insurance estimate page and the claim number, the carrier and the policy number are found in
  the document and written onto the quote, along with the adjuster's remarks. It will not
  guess: a reference it cannot find is simply left blank, and you can type it in yourself
  under Insurance & Claim Information. You can also correct anything it read.
• The figures you enter yourself, including the deductible. The
  Recoverable Depreciation and Approved Supplements are seeded by the same import:
  recoverable depreciation is read from the carrier's own rows, and any line in your scope
  with no carrier line behind it is counted as a supplement — because by definition it is
  work the original estimate did not pay for.

The first check is left at zero by default on purpose. The client document works the first
check out as the remainder of the contract price that the other stages do not account for,
which is the figure that stays right once supplements have moved the total.

What the client sees

Your internal export can show the carrier's own valuation ladder (net subtotal, overhead and
profit, RCV, depreciation, ACV), because that ladder is what you and the adjuster discuss.

The client proposal and its PDF never show it. The client gets a plain How This Job Gets
Paid table in money-flow language:

• "Your deductible (paid by you)"
• "Due from the first insurance check"
• "Recoverable depreciation (released when the work is complete)"
• "Supplements (work beyond the carrier's original scope)"
• and then the Total Contract Price.

The section opens with a one-line explanation — an insurance-funded job is paid in stages, the
deductible is the homeowner's to pay directly, the rest comes from the claim — because a
homeowner who has never filed a claim does not know why their money arrives in pieces. The
carrier's valuation basis (depreciated value, ACV) never appears on a client document: a
homeowner reading "ACV" is a homeowner who thinks their claim was short-changed.

If you have not set the figures yet, the client still gets an honest sentence — the payment
stages for the claim are still being confirmed and you will set out the deductible and the
scheduled amounts before any work begins — rather than a blank space or a zero.

The Texas deductible notice

Every client PDF with a total of $1,000 or more prints the statutory Texas deductible notice:
the wording that says a person insured under a property policy must pay the deductible, and
that a seller who expects to be paid from claim proceeds must not knowingly allow or assist
the insured to skip it. It is quoted from the statute (Texas Business & Commerce Code Sec.
27.02) from one source in the code rather than retyped on each screen, and it prints with the
citation line "Required by Texas law (Texas Business & Commerce Code Sec. 27.02 and Texas
Insurance Code Ch. 707); the deductible is never paid by insurance."

The notice is part of the Texas statute, so if you work outside Texas it is simply wording
your client will see on the PDF.

Where to go next

• Reading and importing a carrier's estimate: /help/estimates/parsing-carrier-estimates
• What RCV, ACV, O&P and the rest actually mean: /help/reference/insurance-glossary
• How the claim's stages relate to your own deposit and milestone plan:
  /help/estimates/insurance-payment-schedule