Public adjusting firms, IA firms, restoration franchisees, and roofing contractors running insurance work. Published standards, documented handling, net-15 billing, and a real person accountable for every file.
If you are writing more estimates than your desk can absorb, or paying a full-time estimator for work that comes in waves, this is what we do.
Overflow estimate writing, carrier estimate reviews, and scope-gap findings so your file moves while your estimator is buried in large loss.
Draft estimates, sketch production, and QC review during surge. We write to your file standards, not ours.
Water mitigation scopes, structure and contents estimates, and Matterport or DocuSketch conversions without adding headcount.
Roof and siding estimates, sketch ESX files, and supplement writing on carrier estimates that came in light on scope.
Intake
You send the file with photos, measurements, loss details, and any program or carrier writing guidelines. We confirm scope, price list, Xactimate version, and turnaround before any work starts.
Production
Written in Xactimate by an experienced estimator. If anything in the documentation is unclear or missing, you get a question, not an assumption.
Quality control
Every file passes a written pre-delivery check before it ships. Files that fail go back into production, not out the door.
Delivery
ESX and PDF, with any assumption, variance, or documentation gap disclosed in writing alongside the file.
Revisions
Corrections to our work are free. Scope changes driven by new information are quoted before we start.
Card on file works for one-off files. Firms with recurring volume get invoiced.
| Business terms | |
|---|---|
| Legal entity | Direct Estimating, LLC · Utah |
| Billing | Net 15 for approved firm accounts, invoiced semi-monthly. Card on file for single-file and first-time orders.Purchase order and claim number references carried on every invoice line. |
| Vendor documents | W-9, certificate of insurance, signed NDA, and completed vendor questionnaire provided on request. |
| Scope of engagement | Estimating and consulting services only. Flat or quoted fees — never a percentage of any settlement. |
| Setup | No onboarding fee, no minimum volume, no software for your team to learn. You email files, we email files back. |
Turnaround, accuracy, and data handling — written down so you can hold us to it.
Measured from the point we have a complete file — photos, measurements, loss details, price list, and any writing guidelines. Sketches same business day by 6:00 PM Mountain. PDF-to-ESX same business day on standard files. Roof and exterior estimates 1 business day. Interior and multi-trade 1–2 business days. Supplements and QC 1–2 business days. Commercial quoted per file. During a declared CAT event targets extend, and we tell you the revised turnaround at intake instead of taking the file and missing the date.
Sketches: footprint and facet layout accurate to within 3%. Send pitch from the field or a measurement report and we build to it; any sketch built on estimated pitch says so on the deliverable. PDF-to-ESX: reconciled to within 0.5% of the source RCV, variance disclosed at delivery. A PDF carries no sketch geometry, photos, macros, or user variables — you get the estimate rebuilt as an editable file, not a copy of the original ESX. Price lists: we build on the list named on the source estimate; if it isn’t available on your license, the nearest list is used and disclosed.
Claim files are used to perform your work only — never sold, shared, or used for marketing. Everyone who touches a file is under a signed confidentiality agreement, and we will sign your NDA or MSA on request. Working files are retained 24 months for revision and dispute support, then deleted; earlier deletion on written request. Subprocessors: Netlify (site and form intake), Proton Mail (email), Stripe (payments), Airtable (estimator directory only, no claim data).
We don’t guarantee any carrier will approve or fund an estimate — coverage decisions aren’t ours to make. We don’t negotiate with carriers or represent policyholders, and we never take a percentage of insurance proceeds. And we can’t scope what the photos don’t show — thin documentation gets you a question from us, not a guess.
No contract, no minimum, no onboarding call required. If it’s not better than what your desk produces, you’re out one file.
Send a file →