How EstimateDelta Works

From carrier estimate to supplement-ready pack in under 2 minutes.

01

Upload the carrier estimate

Upload the carrier's Xactimate PDF estimate. Add your claim details — carrier name, state of loss, trade type, and any specific items you believe were missed. No Xactimate license required.

  • →Accepts standard Xactimate PDF printouts
  • →Supports all 50 states
  • →Roofing supported at launch; water, fire, and general restoration coming soon
02

EstimateDelta finds the delta

Our AI engine parses every line item from the carrier estimate, then cross-references it against our knowledge base of IRC building codes, state-specific code adoptions, and manufacturer installation requirements.

  • →Identifies missing line items (e.g., drip edge, starter strip, O&P)
  • →Flags underpriced items relative to standard Xactimate pricing
  • →Applies state-specific rules (e.g., FL secondary water barrier, MN full ice & water shield)
  • →Assigns HIGH / MEDIUM / LOW confidence to each finding
03

Download your supplement pack

Your complete supplement pack is generated in seconds and delivered by email. Download individual files or the full ZIP.

  • →Gap Report PDF — table of all findings with codes, amounts, and justifications
  • →Supplement Letter PDF — professional, carrier-ready letter with code citations
  • →Photo Checklist PDF — exactly which photos to take for each item
  • →Full Submission ZIP — everything in one file

Understanding Confidence Levels

HIGH

Code-mandated or industry-standard item. Strong supplement candidate.

Examples: Drip edge (IRC R905.2.8.5), Starter strip (manufacturer requirement), O&P

MEDIUM

Commonly supplemented. Verify with site conditions and photos.

Examples: Steep slope charges, hip/valley complexity, ridge vent upgrades

LOW

Possible opportunity. Confirm with contractor before submitting.

Examples: Class 4 IR shingle upgrades, specialty flashing items

What EstimateDelta Does Not Do

  • ✗Guarantee carrier approval — carrier decisions are made by adjusters and supervisors.
  • ✗Provide legal advice — EstimateDelta is a documentation tool, not a legal service.
  • ✗Replace a physical inspection — our analysis is based on the carrier estimate text only.
  • ✗Make final decisions for you — you review and approve every item before submitting.

Ready to find your delta?

Start with one report for $149 or go unlimited for $599/month.

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