Most insurance scopes miss critical repair items — leaving homeowners with incomplete restorations, out-of-pocket costs, and homes that were never truly made whole.
The average insurance estimate for water damage or property loss is missing $4,000–$18,000 in legitimate repair items. Most homeowners never know — until the contractor gets on site.
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Insurance adjusters work for the insurance company. Their job is to settle claims quickly and at the lowest possible cost — not to make sure your home is fully restored.
You're left with a check that doesn't cover what actually needs to be repaired. Most homeowners sign off without ever knowing the difference.
of insurance repair scopes we review are missing at least one significant line item — averaging $6,200 in unclaimed repairs per property.
Common items adjusters miss:
Adjuster scopes one wall. The entire room needs to match. Industry standard requires continuous surface painting — consistently left out.
Partial flooring replacement without accounting for matching, transitions, or the full affected area.
Structural repairs that omit texture matching, skim coat, and labor to blend the repair invisibly into the existing surface.
Water travels. Adjacent rooms, subfloors, and wall cavities are frequently excluded from the initial scope.
When repairs require bringing work up to current code, that cost is often owed under your policy — and almost never included.
We've reviewed hundreds of insurance scopes. We know exactly where to look — at no cost to you.
We review every line against what the property requires — identifying missing items, underpaid allowances, and excluded labor.
Paint matching, drywall continuity, and flooring run-outs are the most commonly missed. We flag every instance.
We verify square footage, linear footage, and material quantities against the actual affected area — not adjuster sketches.
When we find missing items, we document them with specificity to support your supplement request.
We flag where repairs require code upgrades — items your policy may owe that are almost never included in first estimates.
Beyond the review, we give you a clear picture of what true pre-loss restoration actually requires.
Simple, fast, zero obligation. Most reviews back within one business day.
Submit your insurance scope using the form above. PDF, Word, Excel, or even a photo works.
Takes 2 minutesOur team reviews every line item against what the property actually requires and documents every gap.
Same or next business dayWe walk you through exactly what we found — what's missing, what's underpaid, and what it means for your claim. No jargon.
Plain language, no pressureWhether you want us to handle the restoration, support your supplement, or just take the information — the choice is yours.
Zero obligation, everWho This Is For
Your adjuster came out and gave you a number. Something feels off — the scope seems light or damage was overlooked.
Your claim was processed and you received a payment. Before you sign a release or start repairs, have us review it first.
Every contractor you called says the insurance number isn't enough. We'll validate and document the gap.
"I almost accepted the insurance company's first offer. JB reviewed my estimate and found over $8,000 in missing items — drywall work, paint matching across two rooms, and flooring I didn't even know I was owed."
"Our pipe burst in the middle of winter. The estimate felt way too low. JB spotted three major items that were left out and handled the whole claim. Rebuild was done in two weeks."
"Every contractor said the check wasn't enough to do the job right. JB was the first one who actually explained why and helped me document it. My supplement was approved."
Yes — completely free, with no obligation. We review your insurance estimate and call you with findings at no cost. If you decide to hire us for the restoration, great. If not, you still have the information.
In most cases, yes. Accepting initial payment does not close your claim in Virginia as long as you haven't signed a final release. Supplements can typically be filed — but time matters. Contact us as soon as possible.
A supplement is an additional claim submission documenting repair items missing from the original estimate. When we identify missing line items, we document them with specificity so you can submit a supplement requesting additional payment.
Yes. We work with homeowners regardless of carrier — State Farm, Allstate, USAA, Travelers, Nationwide, Farmers, and others. The review process is consistent across all carriers.
Most reviews are completed same-day or within one business day. We call you directly to walk through findings — no waiting on a report that's hard to interpret.
We primarily serve Woodbridge, Lake Ridge, Dale City, Springfield, Alexandria, Fairfax, and all of Prince William County. If you're in Northern Virginia and aren't sure, give us a call.
If your insurance scope is short, we'll find it. If it's complete, you'll know that too. Either way you'll have the information to make the right decision for your home.
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