Adjuster Audit

Insurance Supplement Recovery

JDY2057001H

6 Pending

Adjuster Audit

Claim JDY2057001H · 4940 Evanston Ave, Indianapolis, IN 46205 · Water Damage

Travelers RCV

$3,217.27

+

Supplements

$1,348.17

=

MSC Total RCV

$4,565.44

Insured Information

Karl Kilgore / Clinton Kilgore

4940 Evanston Ave, Indianapolis, IN 46205

(317) 445-1915

Adjuster

Nicholas Flores

Travelers Personal Insurance Company

(317) 696-6827

[email protected]

Claim #JDY2057001H

Price List ININ8X_DEC25

Date of Loss12/16/2025

Coverage

Dwelling

$390,000

Ded: $1,000

Other Structures

$39,000

Contents

$195,000

Travelers RCV

$2,846.43

Supplement Total

$1,192.77

MSC Total RCV

$4,039.21

Net Claim Floor

$1,847.43

Supplement Summary

P2

Paint ceiling – second coat (water stain blocking)

Kitchen/Living Room

+$344.68

P2

Paint walls – second coat (water stain blocking)

Kitchen/Living Room

+$530.45

WTRGRM

Antimicrobial treatment – Bathroom floor

Bathroom

+$35.77

WTRGRM

Antimicrobial treatment – Kitchen/Living Room floor

Kitchen/Living Room

+$110.27

WTRNAFAN

HEPA Air Scrubber – 72-hour air filtration (mitigation phase)

Both Areas

+$252.00

MASK

Detailed masking – built-in cabinets and light fixtures

Kitchen/Living Room

+$75.00

Total Supplement Recovery+$1348.17

Accounting Flow Cheat Sheet

Net Claim Floor

$2088.12

Your minimum

Supplement Goal

$650–$900

Target recovery

Westhill Fee (5.5%)

$114.85

Neutralized by supplements

Truth Table — Pattern Intelligence

Which supplement categories do carriers consistently miss? Confidence grows with every estimate you add.

Total Estimates

46

Adjusters Profiled

1

Categories Tracked

8

Honest baseline: This table currently reflects 46 real estimates. Patterns shown are directionally correct but not yet statistically significant. Every estimate you add makes this smarter.

Select Work Type

Confidence — Interior Water Damage

Reliable Pattern

27 estimates reviewed

3 more estimates needed to reach High Confidence

5 estimates→ Early Trend

15 estimates→ Reliable Pattern

30 estimates→ High Confidence

How to add data

Upload each new interior water damage estimate via the Log New Job form on the Win Page. Mark which supplement categories were missing from the carrier's scope. The truth table updates automatically.

Supplement Categories — Miss Rate by Carrier

Reliable Pattern· +3 needed

Paint — Second Coat & BlockingP2MASKWTRNAFAN

Second coat of paint, water stain blocking primer, masking. Carriers routinely price only one coat despite industry standard requiring two coats over water damage.

0%

Rarely Missing · 1 estimate reviewed

Moisture / Mold ProtectionWTRGRMWTRNAFANMLDTREAT

Water removal fan, antimicrobial treatment, moisture barrier. Often omitted when carrier treats damage as 'dry' without proper documentation.

0%

Rarely Missing · 1 estimate reviewed

Flooring — Prep & ProtectionFLRPROTSUBFPREPTRANS

Floor protection during repairs, subfloor prep, transition strips. Frequently excluded from water damage estimates despite being required by scope.

0%

Rarely Missing · 1 estimate reviewed

Labor MinimumsLABMINPLBMINELECMIN

Minimum charge for trades that cannot be economically dispatched below a threshold. Carriers often price fractional quantities that don't reflect real contractor minimums.

0%

Rarely Missing · 1 estimate reviewed

O&P — Overhead & ProfitOANP

General contractor overhead (10%) and profit (10%). Owed when a GC is required to coordinate three or more trades. Carriers frequently omit or reduce this line.

0%

Rarely Missing · 1 estimate reviewed

Demo & Haul-AwayDEMOHAULDUMPSTER

Demolition of damaged materials and debris removal. Often priced at minimum quantities that don't reflect actual labor and dumpster costs.

0%

Rarely Missing · 1 estimate reviewed

Structural / FramingFRMRPRSHEATHSTRUCDRY

Structural drying, framing repairs, sheathing. Carriers frequently underestimate structural scope in fire and severe water damage claims.

0%

Rarely Missing · 1 estimate reviewed

Drip Edge & Ice/Water ShieldDRIPEDICEWTR

Drip edge replacement and ice/water shield underlayment. Code-required in most jurisdictions but routinely omitted from roofing estimates.

No data

What This Means — Interior Water Damage

Current Signal

Based on 27 estimates reviewed, Paint (P2 + MASK) and Moisture Protection (WTRGRM) are missing from 100% of interior water damage claims. This is a strong early signal — but needs more data to confirm.

Data Needed

Upload 0 more interior water damage estimates to reach the first confidence threshold. At that point, the miss rate bars will reflect a real, repeatable pattern rather than a single data point.

Money on the Table

If paint and moisture protection are missing from every interior water damage estimate, and each claim averages $1,260 in those two categories, then every unworked claim in this category is leaving over $1,000+ unclaimed.

Adjuster Accuracy Profiles

1 adjuster profiled

Overall tendency: Omits second-coat paint and moisture protection items on water damage claims. One claim reviewed — baseline only.

Paint — Second Coat & Blocking

Both P2 second coat and MASK masking were absent from the Kilgore estimate. Paint is the #1 supplement category on this claim.

HIGH PATTERN

Miss Rate

100%

Almost Always Missing · 1 estimate reviewed

Avg $ Left on Table

−$875.13/ claim

Moisture / Mold Protection

Water removal fan and moisture treatment both missing. Claim was priced as if drying was complete without documentation.

HIGH PATTERN

Miss Rate

100%

Almost Always Missing · 1 estimate reviewed

Avg $ Left on Table

−$385.20/ claim

Labor Minimums

Labor minimum supplement required on this claim. Pattern to watch on future Flores estimates.

MEDIUM PATTERN

Miss Rate

100%

Almost Always Missing · 1 estimate reviewed

Avg $ Left on Table

−$87.84/ claim

Pre-negotiation tip: When you receive an estimate from Nicholas, check for Paint — Second Coat & Blocking and Moisture / Mold Protection first — these are consistently absent from their scopes.

More adjusters will appear here

Every new estimate you log adds to the adjuster's profile. After 5 claims from the same adjuster, their pattern becomes an Early Trend.