Insurance supplementing software that works the whole claim with you.
Upload the carrier estimate and your scope. ClaimOps compares them line by line, surfaces what the carrier missed, and builds the supplement package — your team in control of every item and every dollar.
Outsourced supplementing companies charge $200–500 per claim or 10% commission. Doing it by hand burns an estimator hour per supplement. ClaimOps is a flat $199/mofounder rate — unlimited claims.
| Line item | Carrier | Your scope | Gap |
|---|---|---|---|
| R&R 30-yr architectural shingles | $8,420.00 | $9,180.00 | +$760.00 |
| Ice & water shield — entire roof (gap) | — | $1,840.00 | +$1,840.00 |
| Drip edge — 240 LF (gap) | — | $612.00 | +$612.00 |
| Code upgrade — synthetic underlayment (gap) | — | $1,584.00 | +$1,584.00 |
| Step flashing — chimney | $248.00 | $332.00 | +$84.00 |
| Ridge cap shingles | $84.00 | $268.00 | +$184.00 |
surfacedexample
Illustrative example · seeded demo data — not a recovery promise.
How it works · three steps, one tool
Compare. Strengthen. Ship.
From two PDFs to a sent supplement — in minutes, not hours. One claim, start to finish.
Two estimates in. The truth out.
Drop in the carrier's estimate and your scope — Xactimate PDF exports parse automatically. ClaimOps walks every line and shows the gaps: missing items, underpriced units, quantity mismatches.
- ✓Xactimate PDF exports, parsed line by line
- ✓Trade-aware matching, built for roofing and restoration trades
- ✓Missed scope surfaced first, with the dollars attached
Illustrative example · seeded demo data.
Illustrative example · seeded demo data.
Every line, defensible on its own.
Every entry carries a footnote the adjuster has to engage with — building-code citations, photos pinned to the exact line, notes in your voice. Smart Match links the right evidence to the right item.
- ✓Building-code citations attached automatically
- ✓Photo evidence pinned to individual line items
- ✓You decide what ships — every item toggleable, every dollar overridable
Sent. Tracked. Counted.
One click renders the package — cover letter, itemized worksheet, citations, photo annex. Send it, and ClaimOps logs the response: approved, partial, or denied. Every dollar accounted for.
- ✓One-click PDF with cover letter and photo annex
- ✓Send by email or shareable link
- ✓Approvals, partials, and denials rolled up on your dashboard
Illustrative example · seeded demo data.
Works with estimates from every major carrier
Their adjusters write estimates in Xactimate — ClaimOps parses those PDF exports line by line.
When the carrier pushes back
Built for the back-and-forth.
Claims rarely end after the first package. Upload the carrier's revised estimate and ClaimOps matches it against what you asked for — so Round 2 starts from evidence, not from scratch.
- —Carrier response matched to your supplement, line by line
- —Round 1 → 2 → 3 tracked in one timeline — nothing slips
- —Partial approvals and denials tracked, dollar by dollar
Illustrative example · seeded demo data.
Same claim, two ways to ask
What an adjuster sees — before and after.
Left: a cover-letter email that gets set aside. Right: an itemized package that gets engaged with.
Before — the email
From: mike@hartmanroofing.com
To: claims@carrier.com · Subject: Re: Claim #ALS-4421
Hi — we reviewed the estimate and feel some items are missing. Can you add ice & water shield and drip edge? Roof also needs new underlayment per code. Let me know.
Thanks,
Mike
No itemization. No codes. No photos. Easy for an adjuster to set aside.
After — the ClaimOps package
Illustrative example · seeded demo data — package-style proof for a single claim, not a guarantee.
Compared to a supplementing company — and to doing it in-house.
Two ways contractors handle supplements today. Both have real, public costs. Here’s the honest side-by-side.
At twenty supplements a month, your status quo is either $4,000–$10,000 in service fees (or 10% commission) or 20 estimator hours pulled from inspections, walks, and revenue work. ClaimOps is $199/mo founder · $399/mo standard — flat, unlimited claims.
| Outsourced supplementing company | In-house manual | ClaimOps | |
|---|---|---|---|
| Cost model | $200–500 per claim — or 10% commission on the recovery | Estimator time at ~$40/hour, about an hour per supplement | $199/mo founder · $399/mo standard. Flat, unlimited claims. |
| Turnaround | 2–5 business days | An hour-plus per claim — when someone has the hour | Minutes to package. Same-day push-back when the carrier responds. |
| Control of narrative | You hand it off — what they write is what gets sent | Yours, but rebuilt from scratch every time | Yours. The tool assists; you decide what ships. |
| Margin protection | Per-claim fees or commission come out of the recovery | Estimator hours pulled from inspections and revenue work | Flat monthly fee. No per-claim cut. |
| Multi-round handling | Often extra fees per round | Manual tracking — partial approvals slip through | Round 1 → 2 → 3 in one timeline. Nothing slips. |
| Evidence linking | Handled by the service, outside your file | Spreadsheets, folders, and a prayer | Smart Match links photos and docs to the exact line items. |
| Workflow knowledge | Lives at the service | Lives in one estimator's head | Captured in the tool — transferable across your team. |
Cost ranges sourced from public pricing of outsourced supplementing companies. In-house hour estimate based on what contractors tell us.
Punch in your volume.
Five inputs, plain math — every assumption is a slider you control. Not a recovery promise.
Your scenario to set — floored at today’s share, so the lift never reads below $0.
An assumption, not a benchmark — set it from your own supplements’ track record.
monthly volume = claims × avg claim size × supplement size × share supplemented
= 20 claims × $18,000 × 12% × 70%
What you’d be asking for at the shares you set — not what a carrier will approve. Approval is always their call.
How this estimator works: every number in the math is an input you control — nothing is baked in. The two numbers tools like this usually hide — supplement size and the share of claims supplemented — are sliders above; set them from your own books. Defaults are illustrative, not benchmarks. The only fixed rules are the ×12 behind the annual row and a floor that keeps the lift at or above $0. The output is the supplement volume you’d be requesting at your stated shares, not a prediction of approvals or recoveries.
Why this exists
Built for contractors who actually do the work.
- Built for teams bringing more supplement work in-house
- 5-minute supplements, not 5-day turnaround
- Xactimate-compatible PDFs, formatted for the adjuster
“I'm building ClaimOps for contractors, not for tech bros. Through Cotton Holdings I've spent years close to restoration work — watching estimators burn nights lining up two PDFs, and shops hand 10% of a recovery to an outside service. The first 20 founder customers get a rate locked for life and a direct line to me.”
Manny Medrano
Founder, ClaimOps
Pricing
Replace per-claim fees with one flat subscription.
One product. Two rates. No per-claim cut, no commission carve-out.
$200–500 per claim — or 10% commission
$199 / $399 per month flat · unlimited claims
Founder pricing
Locked at $199/month for life if you sign up as one of the first 20 founder customers.
- Unlimited claims
- Unlimited team members
- Estimate comparison + missed-scope detection
- Supplement letter with building-code citations
- Carrier playbook guidance
- Round 2 / multi-round support for partial approvals
- Recovery tracking dashboard
- Early-access onboarding included
Questions first? Email contact@claimops.io
Standard
After the first 20 founder slots are filled. Same product — no limits.
- Everything in founder pricing
- Unlimited claims, unlimited team members
- Flat subscription — no per-claim fees
Outsourced services run ~$300 per claim or 10% commission — ClaimOps pays for itself after one supplement a month.
FAQ
Questions you'd ask a peer.
Will the carrier actually accept a ClaimOps supplement?
Adjusters engage with clean, itemized supplements that carry code references and photo evidence — they're easier to defend internally. ClaimOps formats every package to make that engagement easier. Approval is always at the carrier's discretion; we don't guarantee outcomes.
How is this different from a supplement service?
A service charges $200–500 per claim or takes a commission, works on their timeline, and writes the narrative for you. ClaimOps is a flat $199/month tool your team drives: same-day turnaround, your voice in the letter, and you decide every item that ships.
Do I need to know Xactimate to use ClaimOps?
No. Export the estimate PDF from Xactimate and ClaimOps parses it line by line — your team reviews the comparison in plain line items, no Xactimate seat required.
How much is automated — do I lose control?
None of the decisions. The comparison and the draft are automatic; every flagged item can be toggled in or out, and every dollar can be overridden before anything is sent. The best test is running one real claim through it.
What happens when the carrier comes back with a partial?
Upload the revised carrier estimate. ClaimOps matches it against your supplement, shows what was approved, partial, or denied, and helps you build the next round — Round 1 → 2 → 3 in one timeline.
Is my claim data secure?
Every organization's data is isolated — your claims are visible only to your team. Files are stored privately and served through expiring signed links, and every action on a claim is audit-logged.
We don't write that many supplements — is this worth it?
Honest answer: if you're under about two supplements a month, the subscription probably doesn't pencil out — keep doing it by hand. One thing worth asking, though: is the volume low because the back-and-forth is too painful to chase? A lot of contractors walk past carrier-paid work for exactly that reason. If that's you, run one claim through and see if the math changes.
Still have a question? Email us at contact@claimops.io
Run one real claim through ClaimOps this week.
Founder cohort access. Import a recent claim and see what you'd have caught.