Frequently Asked Questions

Precision Estimates LLC is an outsourced restoration billing and claims management company. We handle Xactimate® and Symbility estimating, billing, collections, and full claims management for restoration contractors nationwide. We manage the entire billing lifecycle, from the signed contractor agreement to the collected contractor invoice, on volume-based plans.

We are based in Orlando, Florida and serve restoration contractors nationwide. Our deepest market experience is in Florida, and we operate remotely on behalf of contractors in every market we serve.

Precision Estimates LLC was founded in 2015. In 10+ years of operation we have managed over 10,000 contractor files and collected more than $300 million in contractor invoices for restoration contractors, roofers, and public adjusting firms.

No. Precision Estimates LLC IS NOT a Public Adjusting firm. We will not contact the insured unless for collection of a contractor's invoice. We do not discuss any portion of a claim with the insured, review or interpret policy, or represent the insured in any capacity.

We work with water damage and mitigation contractors, fire restoration companies, mold remediation specialists, roofing contractors, general restoration contractors, reconstruction companies, and licensed public adjusting firms nationwide.

Pricing depends on the service. Standalone services such as Xactimate estimating or supplement documentation are priced by service type and complexity. Full Claims Management accounts use volume-based plans that may include an implementation fee, a monthly service commitment, and a percentage-based management fee. We share exact pricing for your operation on a short consultation call.

Full Claims Management accounts may include a one-time implementation fee for account setup and a monthly service commitment based on your claim volume. Standalone services are quoted separately. We share exact pricing on a consultation call, so there are no surprises later.

Yes. While our full claims management BPO is the most comprehensive option, you can engage us for any individual service — Xactimate estimating only, billing and collections only, supplement writing only, or any combination. We work with contractors at every level of need.

Fee structures vary slightly based on claim type, complexity, and volume. Water damage, fire, mold, storm, roofing, and reconstruction claims each have different billing cycles and adjuster processes. Your specific fee is discussed and agreed upon before we begin work on any claim.

We deliver completed Xactimate® and Symbility estimates within 24–48 hours of receiving your documentation, photos, scope notes, and moisture readings. We maintain this turnaround even during storm season surge periods.

For most estimates we need: scope notes or field documentation, photos of the loss, measurements, loss type, and any existing carrier estimates for supplement purposes. We can write estimates from field notes, drone data, or EagleView reports. We'll tell you exactly what we need for your specific loss type.

We deliver completed Xactimate estimates as ESX files (native Xactimate format) and PDF summaries. For Symbility we deliver the native Symbility file plus PDF. You receive everything needed for carrier submission.

Yes. We write Xactimate estimates for residential, light commercial, and larger commercial losses. Commercial estimates typically require additional scope documentation and trade-specific line items that our estimating team is fully experienced with.

Yes. We write the majority of our estimates from scope notes, photos, measurements, and documentation you provide remotely. For larger or more complex losses we can arrange an inspection-based estimate — contact us to discuss.

Timeline varies by carrier, loss type, and complexity. Most standard mitigation invoices are paid within 30–90 days. Complex fire or reconstruction claims can take 90–180 days or longer. Our daily follow-up keeps claims moving as fast as the carrier allows.

Yes. You retain full control over your contractor invoice, customer relationship, scope of work, and business decisions. Precision provides documentation, billing administration, technical support, claim tracking, and payment follow-up, and you have real-time visibility into every file through our CRM dashboard.

We review the reason the carrier gave for not paying the contractor invoice, prepare supporting technical documentation, and resubmit through the carrier's review process. Coverage decisions belong to the policyholder and the carrier; we do not address coverage. Our role is the technical documentation behind the contractor scope and invoice, including mold and water damage invoices.

A supplement documents line items that were missed, reduced, or excluded from the carrier estimate, so the contractor invoice reflects the full scope of work performed. We review every estimate for missing scope and write supplements whenever the carrier estimate does not cover the documented work.

We follow up daily when needed — not weekly. We know which carriers respond to which communication styles and which milestone contacts move claims forward. When standard follow-up is not working we escalate through the carrier's internal review process.

We serve contractors, roofers and public adjusters nationwide. Our home base and deepest market experience is Florida — including Orlando, Tampa, Miami, Jacksonville, Fort Lauderdale, Naples, and 14 more Florida markets — and we work remotely with clients in every state. See our full service areas.

We work with all major national and regional carriers including Citizens Property Insurance, Heritage Insurance, Tower Hill, People's Trust, Travelers, Chubb, The Hartford, Liberty Mutual, Nationwide, GEICO, Universal Property, Gulfstream, FedNat, Swyfft, Lloyd's of London, Amica, Bankers Insurance, and many more.

Yes — storm season is our busiest and best-performing period. We pre-staff for the June–November storm season every year and maintain 24–48 hour estimate turnaround even during major CAT events like Hurricane Ian. No cap on volume.

Yes. We handle insurance billing for both residential and commercial restoration claims nationwide. Commercial claims often involve different carrier processes and documentation requirements that our team is fully experienced with.