An insurance job, end to end

The order below is the order the app is built for. Skipping a step usually means retyping
something later.

1. The lead, and the address

Add the client from Clients → + Add Client, or skip it — a quote carries its own copy
of the name, so "the Hendersons, 14 Oak Ridge" is a fine answer while you are standing in
the driveway. Add them properly before paperwork goes out.

2. Get the carrier's estimate in

Upload the adjuster's PDF in the Parser (imported into the quote builder's insurance
panel). Clavoz reads the line items, quantities, unit prices, RCV/ACV figures and the
adjuster's remarks, and flags anything it was unsure about. Read the flags before you
trust the numbers; the whole method is in
Parsing Carrier Estimates.

3. Set the claim fields

Carrier, claim number, deductible, and the four payment stages (depreciation holdback,
etc.) on the quote. What each figure does — and which ones the homeowner can see — is
Insurance Claim Fields.

4. Build your own scope, not theirs

The carrier's scope is their version of the job. Replicate it across the house with
Rooms / Scopes, add the trades they left out, and let your Rate Catalog price the
assemblies. If parsed lines arrive unpriced, your catalog is the reason:
Supplier Catalogue Imports.

5. Check the margin before the homeowner sees it

Margin, markup and the contingency buffer are calculated live. Look at them here
(the margin guide) — after the signature it
is a change order, not an edit.

6. Present the choices

Optional but effective: multi-tier pricing (Good / Better / Best) on one proposal. If
the homeowner has to bridge a gap between the carrier's payout and your price, a financing
estimate can be shown — only when you have connected your own lender portal, and only
above $500 (Customer Financing).

7. Set the payment schedule and the deposit

Pick a preset in the Payment Schedule panel — Deposit upon signing at 50%,
Deposit at 33%, and so on — and the stages price themselves off the grand total. Then
fill in Deposit Payment & Instructions: your Stripe payment link, Venmo handle and/or
bank wire details, which appear on the client's success screen the moment they sign. On an
insurance job these draws sit on top of the carrier's schedule, which is its own
document: see Insurance Payment Schedules and Milestone Draws.

8. Send, and get it signed

Email the proposal or copy the link and text it. The homeowner reviews on their phone, and
signs. Clavoz records who signed, when and what version, and locks the quote — the price
they agreed to cannot be edited afterwards
(Sending a Proposal and Getting It Signed).

9. Supplements and extra work: change orders

When the carrier approves a supplement, or the homeowner adds a skylight, use Add change
order in the signed banner. It creates a linked child quote (CO1, then CO2) that inherits
the client and gets its own link and signature. The signed proposal is untouched
(After the Client Signs).

10. Run the job from the paperwork

Export Material Takeoff for the supplier run. Print Crew Work Order for the site —
neither contains your prices. Log real costs under Actuals & Expenses as they land, so
the job's margin tells you the truth instead of the estimate's version of it.

11. Draws, and the last cheque

On any unreleased stage, Request Milestone Draw — add photos of the completed work and
the request appears on the client's proposal, where they can approve and release that
stage. Repeat per stage. The money itself moves outside Clavoz, through the Stripe
link, Venmo or wire you set up, so match each draw to the payment you actually receive
(Getting Paid by Clients).