Missing line items
Damaged materials or components left out of the estimate.
Insurance documentation
Insurance Documentation
Policy audits and claim audits for owners in an active property-loss situation. What the policy and the claim file actually show, in writing.
Policy Audit ยท Claim Audit
Who it is for
Active property loss. Open claim. Dense paper.
When a loss hits, the policy and the claim file move on paper. Owners miss gaps. Scope Guardian documents what is there and what is missing so you can decide what to do next.
The problem
What gets overlooked?
Incomplete scope
Work needed to restore the property properly is not included.
Overlooked costs
Code upgrades, disposal, permits, fees, and other costs can be missed.
Inadequate documentation
Photos, measurements, and detail can determine whether the loss is understood.
What you get
Two named products under one lane
Policy Audit
What the policy actually says, written so you can use it.
- Coverages, limits, exclusions, and conditions summarized in plain language.
- Notice and proof requirements flagged.
- Open questions that need the owner's attention.
- A short written packet you can keep with your records.
Claim Audit
What the claim file and loss records show, organized in writing.
- Timeline of the claim file and loss records.
- Documents submitted and carrier responses organized.
- Gaps and open asks listed clearly.
- Where the numbers fall short: missed line items, incomplete scope, unit costs, depreciation or O&P handling, and prior estimates not reconciled.
How it works
Our insurance documentation process
Inspection and documentation first. Then a clear written report when that is part of the engagement.
Inspection
Inspect the property and identify visible damage and conditions.
Documentation
Detailed photos, measurements, and notes of impacted areas.
Xactimate report
Detailed Xactimate-based report itemizing damages and required work when part of the engagement.
Report delivery
A clear report the owner can use with their records and with whoever they hire.
Support and clarity
Support with questions about the report and documentation.
When the claim work ends, the construction work begins.
Once the insurance documentation phase is complete, many homeowners need help turning an approved scope into a successful repair project. That is Construction Consulting.
What this is not
Not a law firm. Not an insurance company. We do not provide legal or insurance advice.
- We document and organize the record for the owner.
- We do not adjust, negotiate, or settle claims.
- We do not promise dollar recovery or any claim outcome.
Let's talk about your project.
Tell Scope Guardian what you are dealing with. Keep the first message simple.