Recover Underpaid Insurance
Claims in Minutes

ClaimLeak analyzes insurance and contractor estimates to detect missing scope, identify underpaid line items, and generate supplement request packages automatically.

Built for restoration contractors, public adjusters, roofing professionals, and supplement writing services.

Typical Property Claim

Insurance Estimate

$14,800

Actual Repair Cost

$23,500

Supplement Opportunity

$8,700

ClaimLeak finds those missing items automatically.

How It Works

Step 1

Upload Estimates

Upload carrier and contractor estimates — PDF, XLSX, or CSV.

Step 2

Scope & Pricing Analyzed

Line items are extracted, matched across documents, and discrepancies are flagged automatically.

Step 3

Missing Items Detected

Underpaid items, missing scope, and quantity mismatches are identified.

Step 4

Supplement Package Generated

Get a professional supplement letter with code citations, ready to send.

What's Inside the Platform

Each feature is designed to help you recover more money, faster — with the documentation to back it up.

Estimate Comparison Engine

Included in all plans

PDF & Spreadsheet Parsing

Upload Xactimate PDFs, contractor bids, or spreadsheets. ClaimLeak extracts every line item — descriptions, quantities, units, and costs — automatically.

Smart Line Item Matching

The same repair can be described five different ways. ClaimLeak matches items across Xactimate codes, contractor terminology, and mixed formats to find true discrepancies.

Discrepancy Analysis

Side-by-side comparison flags every underpaid item, quantity mismatch, and pricing difference between the insurance and contractor estimates.

Claim Scoping Engine

Included in all plans

Instead of just comparing two estimates, the Claim Scoping Engine analyzes the insurance estimate on its own. It determines what should be included based on the claim type, then identifies everything that's missing — even if you don't have a contractor estimate yet.

Scope Gap Detection

Automatically identifies line items the carrier left out. For a roof replacement claim, that might be drip edge, underlayment, or starter strip that are required but not included.

Underpaid Item Detection

Flags items that are included but priced too low — wrong quantities, missing waste factors, or below-market unit costs based on the scope of work.

Contractor RFP Generation

Generates a detailed Request for Proposal document listing the full expected scope of work. Hand it to a contractor to get an accurate bid that covers everything the job actually requires.

Supplement Packages

A complete supplement request letter itemizing every missing and underpaid item, with justifications and dollar amounts — formatted and ready to send to the carrier.

Code Intelligence Engine

Available on Professional plan

Supplements backed by building codes are harder for carriers to deny. The Code Intelligence Engine automatically looks up which codes apply to the property and cites them in your supplement arguments.

Jurisdiction Detection

Automatically identifies which state and local building codes apply based on the property address. Different states adopt different code editions — ClaimLeak knows which one matters.

IRC/IBC Code Citations

References specific sections from the International Residential Code (IRC) and International Building Code (IBC) — like R905.2.8.5 requiring drip edge on shingle roofs.

Code-Backed Arguments

Each missing scope item in your supplement letter includes the specific code section that requires it. Instead of “drip edge is standard,” your supplement says “drip edge is required per IRC R905.2.8.5.”

Manufacturer Requirements

Cites manufacturer installation specifications that require specific materials or methods. If the manufacturer says synthetic underlayment is required for warranty, it goes in the supplement.

Also Included

Results in Under 2 Minutes

Upload an estimate and get a complete supplement package before your coffee gets cold.

Any Estimate Format

Xactimate PDFs, contractor bids, spreadsheets — upload whatever you have.

Claim Dashboard

Track every claim, supplement status, and recovery amount across your entire book.

Team Workspaces

Invite your team with role-based access. Everyone sees their claims, admins see everything.

O&P Calculations

Automatically calculates overhead and profit when three or more trades are involved.

Export Everything

Download supplements as Word docs, discrepancy reports as Excel, and RFPs as PDFs.

Scope Items Insurance Adjusters Commonly Miss

These line items are frequently left out of insurance estimates but are required for code-compliant repairs. ClaimLeak flags them automatically.

Tear-Off & Disposal

IRC R908.3.1

Existing coverings must be removed when damaged or when multiple layers exist.

Synthetic Underlayment

IRC R905.2.7

Underlayment is required beneath all asphalt shingle roof coverings.

Drip Edge

IRC R905.2.8.5

Drip edge is mandatory at all eaves and gables of shingle roofs.

Mold Remediation

IICRC S520

Professional mold remediation required when microbial growth is present after water intrusion.

Structural Drying

IICRC S500

Water-damaged structures require monitored drying to prevent secondary damage.

Contents Manipulation

Xactimate O&P

Moving, protecting, and resetting contents during restoration is frequently omitted.

Step & Counter Flashing

IRC R905.2.8.3

Required at wall intersections, slope changes, and roof openings.

Moisture Barrier Replacement

IRC R702.7

Weather-resistant barriers must be replaced when damaged during repairs.

Permits & Inspection

IRC R105.1

Building permits required for roof replacement and major repairs in most jurisdictions.

Simple, Transparent Pricing

Start free with 2 claims. No credit card required.

Starter

$99/month

10 claims per month

  • 10 claims per month
  • 1 user
  • PDF & spreadsheet parsing
  • Claim Scoping engine
  • Scope gap detection
  • Supplement letter generation
  • PDF export
  • Email support
Get Started
Most Popular

Growth

$299/month

Unlimited claims

  • Unlimited claims
  • 1 user
  • Everything in Starter
  • Contractor RFP generation
  • Discrepancy analysis (two-estimate comparison)
  • Priority support
Get Started

Professional

$499/month

Unlimited claims

  • Everything in Growth
  • 3 team members included
  • Additional seats $59.99/mo each
  • Code Intelligence engine
  • Jurisdiction detection
  • IRC/IBC code citations
  • Code-backed supplement arguments
Get Started

Ready to Recover More from Every Claim?

Upload your first estimate and get a supplement package in under 60 seconds. No credit card required.

Analyze a Claim in Under 60 Seconds