The insurance workbench

Open a quote that came from a carrier's estimate and the page is the workbench: the
carrier's lines beside yours, a flag under every line that needs a look, a panel that
adds up what you will send, and a box that says in one line what you found for the
homeowner. Everything on it is worked out by the server from the quote itself, so the
page never shows a figure the proposal will not match.

The seven steps and the checks

The steel band at the top carries the job's seven steps, from Imported to Paid.
Under it sit the checks: whether your lines match their total to the cent, money
printed after their totals page, lines zeroed out by insurance (their document
carries the line and prints it at nothing), lines with no price on your side, and
overhead and profit when three trades or more are on the job and nobody has added it.
Each check names the lines it is about, and Show me lights them.

The flags under the lines

A flag under a description is the server's finding, and its ? opens one panel with
three parts: why it is flagged (with the code, where one applies, and a link to read
the rule), the line from their PDF on its page with the wrong figure in red, and what
has to be added with the quantity worked out from their own measurements. The two
answers are Add and Not needed. Nothing is added by itself.

The flags use one vocabulary everywhere, on the checks, under the line and on the
letter:

• Zeroed out by insurance — their estimate prints the line at $0.00 while you price
  it.
• No price on this line — a quantity or a price at nothing, on your side.
• Quantity low — a drip edge shorter than their own eaves and rakes, for example.
• Low grade — 3-tab shingles, 15 lb felt, builder-grade fixtures. The better option
  is offered as an optional line with the years it lasts; their line is never
  replaced.
• Matches their line, Above their line, Below their line — how your figure
  sits against theirs.

The right-hand panel

On a laptop the panel stays in view while the work scrolls. On a phone the total and
Send stay pinned at the bottom of the screen, and the rest opens from the Your
numbers row under the lines.

• Total to send is the quote's total, with who pays what underneath: Insurance
  pays $X · homeowner pays the $Y deductible. The deductible comes from How you get
  paid.
• Sales tax and the rule it follows, and the Cushion for surprises switch.
• Show my numbers reveals your cost, what you keep (amount and percent) and the
  markup slider. The sentence under it is plain: Adding N% to your cost keeps M% of
  the price. The adjuster never sees it. Mix up the markup gives every line its
  own markup around your setting, with Shuffle again for a new mix.
• Send to adjuster is the one gold button until the carrier approves; then it is
  Review and send to the homeowner. Preview shows exactly what the reader gets.
  They see prices, never your cost or markup.
• Supplement request builds the letter to the carrier (below).

What they wanted vs what you found

The box under the panel puts the carrier's total beside yours and says what makes up
each side.

• They wanted: their total, the low-grade materials they specified, the items they
  left out (at $0.00) and any money printed behind their totals page.
• You found: your total, made of the code and safety items they did not pay for,
  the lines found after their totals page, overhead and profit (or not added yet),
  the rest of the work as they priced it, and the tax, cushion and travel the quote
  carries. The upgrades offered to the homeowner are listed outside the total, because
  an optional line is not in the total until the homeowner picks it.

One green line sums it up: +$X for the homeowner so far. When an upgrade is on
offer, a second line says how many more years it buys, for example Roof lasts about
13 more years with the upgrade. The rows on the You found side add up to the quote's
total to the cent.

The supplement request

Supplement request opens a sheet listing the lines their estimate left out: the
lines they zeroed, the lines found after their totals page, the lines not on their
estimate, and the quantities that fall short of their own measurements. Each carries
its reason in the flag's words and, where the line is on their PDF, the strip of it.
Untick anything you do not want listed, add a note if you like, and download the PDF.
Clavoz never sends it; you send it the way you always have.

The letter leads with the Service column, the same as the workbench and the
proposal. It states what the repair requires and names the code where one applies. It
never asks the adjuster for permission, and it shows no prices: the proposal carries
those.

Related

• Parsing carrier estimates
• Insurance claim fields
• Insurance payment schedule