All Claim Supplement & Adjuster ComparisonsKeep 100% of Your Claim Payout • 60-Second Xactimate Audit

ClaimXray ($29) vs. 10%–15% Public Adjuster Fees ($3,500+): Audit Your Scope Before Signing Away 15%

When a Public Adjuster takes 10% to 15% of your claim settlement, that $3,500 to $9,000 fee comes directly out of the construction funds you need to pay your roofer or rebuild contractor. Run a $29 ClaimXray audit in 60 seconds first to get code-cited Xactimate supplement demands and keep 100% of your recovery.

Quick 30-Second Verdict: 10%–15% Public Adjuster vs. ClaimXray.com (2026)

When to Choose 10%–15% Public Adjuster (10%–15% of total claim payout):

You suffered a $250,000+ total-loss house fire or complex commercial collapse requiring months of on-site contents pack-out inventorying and structural engineering experts.

When to Choose ClaimXray.com ($29 One-Time / $0 Free Preview):

You have a $10,000–$100,000 roof, hail, water mitigation, interior paint, or siding claim and want to submit a code-cited Xactimate supplement in 60 seconds for $29 without giving up 10%–15% of your payout.

Capability / Requirement	ClaimXray (CodeRay™)	10%–15% Public Adjusters ($3,500–$9,000+ Contingency Fee)
Pricing & Contingency Fee	$0 Free Preview • $29 Single / $49 Deal Pass / $99 5-Pack (0% Contingency Fee)	10%–15% of total claim payout ($3,500–$9,000+ contingency fee)
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	3 to 8 weeks of field inspections, letters of representation & carrier scheduling
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Requires signing a binding contingency contract & assigning check endorsement rights
Native Word (.docx) Supplement Schedule	1-Click Native .docx (`<w:del>`, `<w:ins>` & Adjuster Comments) + Proof-of-Loss Rider	Handled weeks later in exchange for 10%–15% of your settlement proceeds
IRC / IICRC Code Graph & Round-2 Adjuster Pushback Mode	Included (Soft, Standard & Hardball Postures + V2 Denial Re-Audit)	Not included out-of-the-box

The 15% Shortfall Trap: Why Homeowners End Up Owing Out-of-Pocket After Paying a PA

Suppose the true cost to replace your hail-damaged roof and gutters is $36,000. Even if a Public Adjuster gets the carrier to approve the full $36,000 RCV, their 15% fee ($5,400) plus your $2,500 deductible leaves you with only $28,100—meaning you have to pay $5,400 out of your own pocket on top of your deductible just to pay the roofer. With ClaimXray ($29), you submit the exact same IRC R905 and 10&10 O&P supplement demands yourself and keep 100% of the $36,000 settlement.

Carrier Underpayment & 10%–15% Public Adjuster Blindspot

~~“NET PAYOUT MATH ON $36,000 CLAIM: 15% Public Adjuster Fee deducts -$5,400 from your rebuild check. ClaimXray One-Time Pass costs $29 ($5,371 more kept in your pocket).”~~

What 10%–15% Public Adjuster does: Public Adjuster Contract: Requires a binding 10%–15% contingency assignment and puts the Public Adjuster’s name on your mortgage/insurance settlement check.

What CodeRay™ Catches & Supplements

Instant $29 Self-Serve Supplement Package: Identifies all 5 critical Xactimate omissions in 60 seconds, writes Soft, Standard, and Hardball supplement demands, and exports a Word (.docx) Supplement Schedule and Desk Adjuster Rebuttal Email.

“Submit ClaimXray Exhibit R Supplement Schedule (+$14,200 in omitted IRC R905 drip edge/ice barrier, 15% hip waste, 10&10 O&P, and labor depreciation reversal) directly to the desk adjuster while keeping 100% of the claim check.”

Test CodeRay™ Live Right Now (Zero Signup Required)

Scan Your Carrier Estimate Free & Compare the Supplement Yourself

Available Credits: 0

Active Engine: CodeRay™ Deep-Scan Engine

Multi-Hop IRC / IICRC Code GraphNative PDF & Word (.docx)Round-2 Desk Adjuster Rebuttal

1. Select Claim Scope Playbook & Protected RoleAuto-Tailored to Your Claim TypeCommercial Property & Business Loss • Protecting: Commercial Property Owner / Facility Manager

2. Input Carrier Estimate (Xactimate PDF, Word .docx, Photo, or Text)

Upload PDF / Word (.docx)

Drop Carrier PDF / .DOCX anywhere, or press Cmd+V / Ctrl+V to paste estimate text

Cmd+V/Ctrl+V

COMMERCIAL PROPERTY LOSS ADJUSTMENT — WAREHOUSE & RETAIL CENTER
CLAIM NO: COM-2026-77301 | POLICY LIMIT: $2,400,000 | COINSURANCE: 90%

SECTION 1 — COMMERCIAL TPO MEMBRANE SPOT-PATCHING VS. FULL REPLACEMENT
Carrier approves spot-patching forty-two (42) hail-fractured punctures on the 120 SQ single-ply 60-mil TPO flat roof membrane ($11,800.00) and denies full membrane replacement. Adjuster note: "Infrared moisture survey showing 38% saturated polyiso insulation boards beneath the punctured membrane represents long-term wear and tear."

SECTION 2 — IBC § 1511 & IECC COMMERCIAL ENERGY CODE R-30 INSULATION UPGRADE
Even if roof replacement were required, carrier excludes upgrading the existing 1.5-inch polyiso insulation (R-9) to two staggered layers of 2.6-inch polyiso (R-30) and tapered sump crickets mandated by the International Building Code (IBC § 1511) and IECC Commercial Energy Code.

SECTION 3 — COINSURANCE PENALTY CALCULATION (22% PAYOUT REDUCTION)
Carrier's field appraiser values the Replacement Cost of the Building at $3,100,000 by including the concrete slab foundation, underground utility piping, and site excavation grading. Based on the 90% Coinsurance clause, carrier applies a twenty-two percent (22%) Coinsurance Penalty—deducting $28,400.00 from the covered loss payout.

SECTION 4 — COMMERCIAL HVAC RTU HAIL COMBING VS. COIL REPLACEMENT
Six (6) rooftop 10-ton commercial HVAC package units (RTUs) with severe hail-flattened condenser fins are scoped for manual fin-combing only ($225/unit) rather than condenser coil replacement, crane rigging, and refrigerant evacuation/recharge.

SECTION 5 — BUSINESS INCOME (BI) & PERIOD OF RESTORATION CUTOFF
Business Income and Extra Expense coverage is capped at fourteen (14) calendar days, excluding the 45-day municipal commercial building permit review and custom commercial switchgear lead time.

Optional — Property State or Claim Context (e.g., "34 SQ Texas hail roof claim" or "Florida Category 3 water loss")

100% Stateless & Private • Saves $3,500 – $12,000 vs. Public Adjuster fee

Frequently Asked Questions: ClaimXray vs. 10%–15% Public Adjuster

Can a homeowner submit a ClaimXray supplement directly to their insurance adjuster?

Yes! Policyholders have the absolute right to question line-item omissions, submit contractor/supplement schedules, and cite municipal IRC building codes and state insurance regulations directly to their desk adjuster—without hiring an intermediary.

Do Public Adjusters also use ClaimXray?

Yes. Many licensed Public Adjusters use ClaimXray’s $99 5-Pack and White-Label Mode to audit carrier Xactimate PDFs in 60 seconds and generate client-branded Proof-of-Loss Riders and Round-2 Rebuttal Letters.

More Head-to-Head Claim Supplement Comparisons

ClaimXray vs. Verisk Xactimate ($349/mo)

ClaimXray ($29) vs. Verisk Xactimate ($349/mo): How to Supplement Carrier Estimates Without an ESX License

ClaimXray vs. Supplement Services ($150–$350+)

ClaimXray ($29) vs. Outsourced Xactimate Supplement Services ($150–$350/File): Keep 100% of Your Margin

ClaimXray vs. ChatGPT / OpenAI

Can I Use ChatGPT to Audit an Insurance Claim or Xactimate Estimate? 4 Hidden Traps Chatbots Miss

ClaimXray vs. Symbility / CoreLogic ($300+/mo)

ClaimXray vs. Symbility / CoreLogic Estimating Suites: Instant $29 Supplement Auditing Without Annual Seats

ClaimXray vs. XactAnalysis / Carrier Suites

ClaimXray vs. Verisk XactAnalysis & Enterprise Audit Suites: Rebut Automated Carrier Cuts for $29

ClaimXray vs. Online Claim Portals ($99+/mo)

ClaimXray vs. Online Claim Portals: Instant $29 Xactimate Supplement vs. Waiting 5 Business Days

ClaimXray vs. Carrier Desk-Review Filters

ClaimXray vs. Carrier Desk-Adjuster Workflows: Built for Rebutting Automated Scope Cuts

ClaimXray vs. 15% Public Adjuster ($4,500+)

ClaimXray ($29) vs. 15% Public Adjusters ($4,500+ Fee): Keep 100% of Your Supplement Recovery

ClaimXray vs. Desk Adjuster Software ($3.6k/yr)

Best Xactimate Supplement Alternative Without a $3,600/Year Desktop License

ClaimXray vs. Claude AI

Can I Use Claude AI to Audit an Xactimate Estimate? Native Word Supplements vs. Chatbots

ClaimXray vs. Dispute Letter Templates ($39/mo)

Generic Dispute Templates vs. ClaimXray: Instant $29 Xactimate Supplement vs. Monthly Memberships

ClaimXray vs. EagleView / Hover Reports ($65–$95)

ClaimXray vs. EagleView & Hover Alone: Why Roof Measurements Need an Xactimate Supplement Audit

ClaimXray vs. Enterprise Carrier AI

How to Beat Carrier Desk-Adjuster AI: Self-Serve Xactimate Supplementing in 60 Seconds

ClaimXray vs. Freelance Estimators ($350–$1,500)

Outsourced Supplement Writers vs. ClaimXray: Instant $29 Supplement vs. $500+ Freelance Fees

ClaimXray vs. Infikraft / Manual Templates

Infikraft & Manual Templates vs. ClaimXray: 60-Second Automated Xactimate Supplementing ($29) vs. Monthly Template Subscriptions