Solution: A claim-maximizing workspace: (1) Adjuster-scope decoder — upload the insurance estimate and the tool flags commonly-missed line items (flashing, drip edge, ridge, code-required upgrades, steep/high charges); (2) Supplement builder — generates properly-documented supplement requests with photos, measurements, and code citations to recover full replacement cost; (3) ACV/RCV + depreciation tracker — explains and tracks recoverable depreciation so contractors and homeowners actually collect the holdback; (4) Denial/partial-roof fight kit — language and documentation to challenge 'granular loss only' and partial-roof determinations (matching statutes, manufacturer guidance); (5) Homeowner mode — plain-English claim navigation and how to push back; (6) Photo/measurement capture aligned to what carriers accept. ICP: Small/mid roofing contractors whose revenue depends on insurance-claim jobs but who lose money when adjusters underpay, miss line items, or approve only partial repairs — and who can't afford full Xactimate expertise or a dedicated supplement specialist. Secondary: homeowners blindsided by 'granular loss' claims, confusing ACV-vs-RCV settlements, and hail-claim denials.
Focus on the supplement and denial-fight moment — where the money is actually won or lost — rather than measurement/CRM (already served) or full adjuster-grade estimating (Xactimate's turf). The dual contractor/homeowner design and the 'granular loss / partial roof' fight kit address the exact high-dollar disputes flooding the roofing subs.
“Similar to how medical-billing-advocacy and claim-appeal tools emerged to help patients and small providers recover money from insurers who routinely underpay. This is claim-appeal software for roofing.”