Texas Insurance Claim & Xactimate Missing-Supplement Audit
78-CLAIM MATRIX + REAL CARRIER SCOPES
Load Real Anonymized Texas Carrier Scope Benchmark:
Field shingle waste auto-calculates (+12–15%)
Drives Starter Course (RFG ASTR) & Drip Edge (RFG DRIP)
e.g., 154.1 LF Hip + 15.9 LF Ridge = 170.0 LF Cap
TX 78-Claim Avg: 26.2% of RCV
Xactimate Unit-Pricing & Missing-Supplement Line Item Auditor
Toggle any line item omitted or under-scoped by the carrier adjuster. Adjust quantities or unit prices to match your exact EagleView report and current regional Xactimate price list (e.g., TXAU / TXDFW / TXSA).
| Add | Xact Code & Line Item Description | Qty | Unit | Unit Price | Supplement |
|---|
Municipal permit fee, code deck replacement, or crane/dumpster receipt
Compare pre-supplement vs. post-supplement gross margin %
Claim Recovery, O&P & COC Holdback Breakdown
LIVE XACTIMATE AUDIT
Total Final Audited Claim RCV (Incl. Missing Supplements + O&P)
$18,412
+$9,475 (+106.0%) Recovered Above Initial Carrier RCV • Net Margin Lifted from 12.2% → 57.4%
Check #1 (Initial ACV Net)
$736
Missing Line-Item Supplements
$4,892
10/10 GC O&P Recovery
$2,843
Check #2 (COC + Supp Release)
$12,188
| Claim Cash-Flow & Margin Stage | Status / Trigger | Amount |
|---|---|---|
| Initial Carrier Estimate RCV | Original Adjuster Scope | $8,937.00 |
| Less Recoverable Depreciation Holdback | 30.4% Held Until COC | -$2,713.06 |
| Less Policy Wind/Hail Deductible | Homeowner Responsibility | -$5,488.00 |
| Net Initial ACV Payment (Check #1) | Disbursed Upfront | $735.94 |
| Audited Missing Xactimate Line Items | 8 Omitted Code/Mfr Items | +$4,892.00 |
| Paid-When-Incurred (PWI) & Permit Items | Invoiced w/ Receipt | +$385.00 |
| General Contractor 10% Overhead + 10% Profit | Multi-Trade Coordination | +$2,842.80 |
| Total Final Audited Claim RCV | Full Replacement Value | $17,056.80 |
| Contractor Gross Profit (Before Supplement) | 12.2% Gross Margin | $1,087.00 |
| Contractor Gross Profit (After Supplement) | 54.0% Gross Margin | $9,206.80 |
Ready-to-Send Xactimate Supplement Request & COC Packet
Residential Shingle Input Parameters
GAF HDZ / OC DURATION SPEC
1 Square = 100 sq. ft.
30 LF / bundle ($34.40)
120 LF / bundle ($51.25)
10 LF / stick ($6.50)
2 SQ roll ($90.00) + $1.60/LF metal
$2.55 / LF
1.5"–4" Lead ($21.50 avg)
Supplier Unit Costs & Crew Labor
Silver: $105 | Class 4 Impact: +$28/SQ
TX Benchmark: $125/SQ
40% Markup = 28.57% Gross Margin
Contract Change-Order Protection (Decking & Fascia)
First 4 sheets included free; $100/sheet billed over 4 ($39 raw cost)
$200 for first 10 LF + $15/LF thereafter
True-Cost Breakdown & Gold/Silver Bid Output
8.25% TX TAX + 40% O&P
Recommended Silver Base Retail Contract Price
$11,842
Gold Class 4 Hail-Impact Upgrade Price: $13,490 (+14% Ticket Lift)
Material + 8.25% Tax
$4,618
Crew Labor Total
$3,920
Net O&P Profit ($)
$3,415
True Gross Margin %
28.6%
| Line Item Component | Spec / Qty | Direct Cost |
|---|
Copy-Ready Gold / Silver Homeowner Proposal & Contract Clauses
Commercial Flat & Metal System Takeoff
TPO / FIBERTITE / STANDING SEAM
Includes parapet wall turn-up & 8% lap waste
24ga Kynar w/ cleat ($18/LF cost)
$22/LF reinforced curb wrap
UFlow / Retro-Drain + Ring ($385/ea)
$1,200/day w/ operator & rigging
$1,050/load w/ chute hardware
Commercial Contract Economics & Per-SQ Benchmarks
40% O&P COMMERCIAL MATRIX
Total Commercial Turnkey Proposal Price
$88,420
$1,426 / SQ Turnkey ($14.26 / sq. ft.) • Includes 8.25% Material Tax & 20-Yr NDL Warranty
Materials + 8.25% Tax
$44,890
Crew + Supervision + Lift
$18,267
40% O&P Gross Profit
$25,263
Gross Margin %
28.6%
| Commercial Division | Spec / Rate | Direct Cost |
|---|
Commercial Scope Sheet & Payment Draw Schedule
The "$475 PM Wedge" & IRS Sec. 162 Repair vs. 39-Yr Capital Calculator
COMMERCIAL CLOSER
Standard Wedge: $475 Commercial / $575 Multi-Slope
100% Current-Year Deductible under IRS Reg. §1.162-4
Capitalized over 39 years (2.564% / yr straight-line)
Building Owner Year-1 Cash & Tax Shield Comparison
CFO / PROPERTY MANAGER VIEW
Year-1 Net Cash Preserved by Choosing PM + Targeted Repair
$130,520
Year-1 IRS Sec. 162 Tax Savings: $6,072 (vs. only $1,190 Year-1 write-off on 39-yr capital replacement)
Yr-1 Repair Tax Write-Off
$18,975
Yr-1 Capital Depreciation
$3,718
Net After-Tax Repair Cost
$12,903
CapEx Deferred Value
$52,200
Copy-Ready $475 Commercial PM & Tax-Advantage Pitch
FIELD-TESTED CONTRACTOR SYSTEMS & XACTIMATE VAULTS
Want the Full Underlying Xactimate Supplement Vault, Excel Bid Engines & Word Contract Masters?
Every formula and unit price in this lab comes from a 20+ year Central Texas commercial & residential roofing operation ($1.68M+ documented hail claim COC matrix, $978K commercial storm scopes, 9-tab Excel estimating workbooks, and courtroom-tested contract masters). Reserve Founding Contractor access below:
NEW • HAIL & COMMERCIAL CLAIM VAULT
The Texas Hail Claim & Xactimate Supplement Bible (Residential + Commercial Matrix)
Stop accepting stripped carrier scopes. Includes our 78-Claim COC & Supplement Tracking Workbook, the Commercial Storm Unit-Pricing Matrix ($75/SQ tear-off, $550/SQ TPO, $155/hr HVAC manipulation, lifts & chutes), and 18 copy-paste Xactimate Supplement Justification Memos.
- Residential Xactimate Checklist: Exact code & manufacturer citations for Starter (`RFG ASTR`), Drip Edge (`RFG DRIP`), Hip/Ridge (`RFG RIDGC`), Valley I&W, High/Steep, and 10/10 O&P
- Commercial Storm Scope Matrix: Real line-item pricing from $500K–$978K Texas church & commercial hail claims
- 78-Claim COC & PWI Tracker (.xlsx): Track Initial ACV, 26.2% Recoverable Depreciation, Supplements, and Paid-When-Incurred items
OPERATIONS & ESTIMATING KIT
The 20-Year Texas Contractor Estimating, 9-Tab Costing & Contract Master Vault
Get the exact unlocked 9-Tab Excel Bid Costing Workbook (Shingle, Standing Seam, TPO, EPDM, Fibertite, Tile, Torch, Coating & Gutter) plus our word-for-word Residential, Commercial, and $475 PM Contract Templates.
- 9-Tab Excel Costing Engine: Pre-loaded with Texas material unit pricing, 8.25% tax, and automatic 40% O&P markup
- Bulletproof Contract Masters (.docx): Includes the 4-Sheet OSB Decking limit ($100/sheet overage), Fascia schedule, and AC/Sheetrock liability waivers
- The "$475 PM Wedge" Packet: Inspection checklist, report template, and Net-7 service agreement
B2B SALES & REFERRAL PLAYBOOK
"Fishing for Sales": The 1-to-100 Referral Rainmaker Playbook for Roofers
Why knock 100 doors for 1 roof when 1 Commercial Property Manager, Insurance Agent, or Top Realtor controls 20 to 100 roofs a year? The complete field guide to building a recession-proof referral network.
- The "1-to-100" Channel Map: Scripts to land Realtors, Independent Insurance Agents, and Commercial Property Managers
- Pre-Listing Roof Certification System: How to become the go-to roofer for real estate closings under deadline
- The $475 PM Cold-Walk Script: Turn low-friction maintenance checks into $80K–$250K commercial re-roofs