An insurance job has two sides.
Your homeowner is your customer.
But the insurance company needs detailed documentation explaining the repair scope and pricing used to evaluate the claim.
Your quote carries an Xactimate-style insurance code on every line item, and the claim stays on the customer record.
The quote moves through adjuster review and supplements without becoming disconnected from the lead, customer, scheduling, payment, and follow-up process.
The insurance code column isn't turned on for every account.
It's most common for roofing and siding, and I can add it for any other trade that works insurance claims. Ask when you set up your account, or any time after.
An adjuster sends back a quote because a line item is missing.
When an insurer needs line items your quote doesn't produce, I change the quote to generate them.
I upgrade the line-item codes and the estimators until the quote is one the insurer accepts, free of charge.
One Quote, with an Insurance Code on Each Line
On a claim, the adjuster needs each repair operation, quantity, material, and labor item in the structure the insurer prices it in.
With the insurance code column turned on, every line item on your quote carries its Xactimate-style code beside the description, quantity, and price.
The homeowner and the adjuster read the same quote. Nothing gets retyped into a second document, so the two never disagree.
Two Pricing Documents Can Exist on the Same Job
Insurance work can become confusing because the words estimate and quote get used loosely.
A single job has 2 pricing documents.
Online Estimate
An approximate price or price range shown to a prospective customer before the complete job is known.
- Audience: Homeowner
- Purpose: Early pricing guidance
Quote
A proposal describing the work your company is offering to perform and the price you're offering to perform it for.
On an insurance claim, each line item also carries its insurance code.
- Audience: Homeowner, and the adjuster or insurer on a claim
- Purpose: Sales, approval, and claim review
Why Insurance Jobs Need a Different Process
A normal contractor job can often move directly from inspection to quote to approval.
Insurance work adds another process.
You may need to:
- Inspect the damage
- Gather measurements
- Document the repair scope
- Prepare the quote with insurance codes
- Compare your quote with the insurer's scope
- Identify missing or different items
- Prepare supporting documentation
- Submit supplements when appropriate
- Wait for claim review
- Continue communicating with the homeowner
- Schedule the work once the job is ready to proceed
That creates more opportunities for information to get split between different systems.
This keeps the insurance process connected to the underlying customer and job.
How an Insurance Job Moves Through the System
Here's the path from first call to paid claim:
1. The Lead Comes In
The homeowner may contact your company through your website, phone system, advertising, local search, referrals, or another source.
The lead lands in your CRM like any other.
2. Your Team Inspects the Property
Your team documents the damage and gathers the information needed to understand the repair.
Measurements come from the roof measurement, aerial imagery, or inspection tools you already use, and they set the quantities the quote is priced on.
3. You Build the Quote with Insurance Codes
You build the quote the same way as any other, and each line item carries its Xactimate-style code.
The adjuster reads the repair scope in a structure the insurer already knows.
4. You Approve the Quote
You review the quote and approve it before it goes to the insurer.
5. The Adjuster or Insurer Reviews the Claim
The coded line items give your team a structured way to compare your documented repair scope with the insurer's scope.
You can review differences more clearly.
6. Your Team Identifies Differences
The insurer's scope may not always contain the same quantities, operations, materials, or line items as your quote.
A detailed line-item quote helps make those differences easier to identify.
7. A Supplement Can Be Prepared When Appropriate
If additional covered work needs documenting, your team can use the quote and supporting information as the basis for preparing a supplement.
I don't negotiate the insurance claim or guarantee that an insurer approves a requested amount.
8. You Mark the Quote Accepted
When the insurance company accepts the quote, you click one button in the CRM to mark it accepted.
The same customer record continues into the sales and scheduling process, so your team doesn't recreate the job.
9. The Job Continues Through Completion
The appointment, job completion, payment, and review follow-up can remain connected to the same customer.
Keep the Claim and Customer Connected
Insurance claims scatter a job across too many places.
- The lead may be in one system.
- Measurements may come from another.
- The claim pricing may live in specialized claim software.
- Adjuster communication may be in email.
- The homeowner's quote may be somewhere else.
- Scheduling may happen in a calendar.
- Then payment and follow-up get handled separately.
Here, one quote serves the homeowner and the adjuster, on the same customer record.
The claim doesn't split the job in two.
Most Common on Roofing and Siding Claims
Insurance codes on the quote are for contractors working with:
- Roofing insurance claims
- Siding insurance claims
- Storm-damage restoration work
- Insurance claims in any other trade, added on request
The goal is more than a quote.
The goal is to keep the insurance side of the job connected to the business side of the job.
How This Differs from Standalone Claim Software
Standalone claim tools can be good at pricing a claim.
Measurement platforms can be good at producing roof measurements.
Inspection tools can be good at documenting property conditions.
Those are specialized jobs.
What I build around those tools is different.
The insurance job stays connected to:
- The website
- The original lead source
- Phone calls
- Sales follow-up
- Customer information
- The quote
- Appointments
- Payment
- Review requests
The claim pricing lives on the quote itself instead of in a separate administrative island.
What You Get
Xactimate-Style Insurance Codes: every line item on your quote carries its insurance code for claim documentation.
Line-Item Upgrades: when an insurer needs a line item your quote doesn't produce, I upgrade the codes and estimators to generate it, free of charge.
Connected Customer Records: keep the insurance claim connected to the homeowner, lead source, sales activity, and job record.
Claim Tracking: track the job as it moves from inspection through quoting, your approval, insurer review, supplements, and the insurer's acceptance.
Homeowner Follow-Up: keep managing the homeowner while the insurance process is taking place.
Appointment: the homeowner books the approved job on your website, on the same customer record.
Payment and Follow-Up: keep the job connected through payment and post-job review requests.
Common Questions
What does the insurance code column add to a roofing quote?
Each line item carries the code the insurer uses to price that repair operation, for roofing materials, labor, removal, installation, and quantities.
The adjuster can check your repair scope line by line against theirs.
What is Xactimate?
Xactimate is software widely used in the property insurance industry to price repairs using standardized line items and pricing information.
You commonly run into Xactimate line items when working roofing and siding property insurance claims.
Does the Growth Engine replace Xactimate?
The Growth Engine puts Xactimate-style insurance codes on your quote's line items.
The difference is that your quote stays connected to your CRM, booking, and follow-ups.
Is the insurance quote a separate document from the homeowner's quote?
No.
There's one quote. With the insurance code column turned on, each line item also shows its insurance code.
The homeowner approves the same quote the adjuster reviews.
What is an insurance supplement?
An insurance supplement is additional documentation you submit when you identify repair work, quantities, materials, or other claim-related items that are missing from or different in the insurer's original scope.
A detailed line-item quote can help you identify and document those differences.
Can this help when the insurer's number is lower than the contractor's scope?
It can help you organize the comparison.
A quote with coded line items gives your team a structured way to compare quantities, line items, and repair operations with the insurer's scope.
That can help you identify differences and prepare supporting documentation when additional review is appropriate.
I don't negotiate the claim or guarantee a particular insurance payment.
Does this replace roof measurement software?
No.
The measurements are what price the job, and the adjuster expects the insurer's scope to use the same ones as your quote.
Keep using your roof measurement, aerial imagery, or inspection tools, and enter their measurements on the quote.
Does this work for siding insurance claims?
Yes.
Insurance codes cover both roofing and siding insurance work.
Does this work for trades other than roofing and siding?
Yes.
Insurance codes are most common for roofing and siding, and I add them for any other trade that works insurance claims.
What if the insurer needs line items my quote doesn't produce?
I change the quote to generate them.
I upgrade the line-item codes and the estimators until the quote is one the insurer accepts, free of charge.
Is the insurance code column on every account's quotes?
No.
I turn on the insurance code column separately, for accounts that handle insurance claims.
Without it, your quotes are the same, minus the code column.
What happens after the claim is approved?
You click one button in the CRM to mark the quote accepted, and the customer record continues into the sales, scheduling, production, payment, and follow-up process.
Your team doesn't have to recreate the customer because the insurance stage of the job is complete.
Is insurance quoting the same as the online estimator?
No.
The online estimator gives a prospective customer an approximate expected project cost through your website.
Insurance quoting adds insurance codes to the quote, which documents the repair scope for the claim.
They solve completely different problems.
From Storm Lead to Completed Job
On an insurance job, the quote holds the claim: inspection, measurements, the quote with its insurance codes, your approval, adjuster review, a supplement if needed, the insurer's acceptance, and the customer's authorization.
The quote is an important part of that sequence.
But it's still only one part of the customer relationship.
I keep the claim process connected to the job that comes before it and the follow-ups that come after it.
The Claim Stays on the Same Job
From the storm call to the final payment, the claim sits on the same customer record. Nobody hunts through email for the adjuster's numbers.
The homeowner's first price comes from your online estimator, and the quote carries the claim through to approval. The CRM gets the storm call called back first.
Book a 20-Minute Call with Robert and see a claim carried from inspection to approval.
Xactimate is a trademark of Verisk. Strategic Mind is not affiliated with or endorsed by Verisk.