Estimates that hold up when the carrier pushes back.

The estimate is the argument. It should read like one.

Most estimates lose money in the same places: scope that was never captured, line items with no stated basis, and supplements submitted after the position was already given away. Everything below is built to close those gaps before the file goes back to the desk.

• EST

  Xactimate estimating

  Residential and commercial, written from your field measurements, adjuster scope notes, or aerial and 3D reports. Priced to the correct list and date of loss, sequenced the way the work actually gets built.

• SUP

  Supplement justification

  The scope that surfaces after demo, or that never made it into the first estimate. Identified, priced, and tied to what is already documented in the file — not asserted.

• F9

  F9 note drafting

  The narrative under the line item: what it covers, why it is there, and what the adjuster needs to see to approve it without a phone call. Written per item, not pasted.

• CODE

  Code-cited scope defense

  Convergent citation across OSHA requirements, the IRC and IBC, and manufacturer installation instructions — so a contested item rests on published authority instead of on opinion.

• RFG

  Roof takeoffs and bids

  BUR, TPO, PVC, modified bitumen, standing seam, and steep-slope. Squares, tapered insulation layouts, edge metal, penetrations, and accessories, in a format you can hand to a customer or attach to a claim.

How a file moves.

1. Send the file

   Photos, adjuster scope notes, measurements, any prior estimate, and the date of loss. Incomplete is fine — the gaps are useful information.

2. Scope review before writing

   You get a read on what is missing, what is mispriced, and what will not survive review, before a single line item is keyed.

3. Estimate and F9 notes

   Written in Xactimate with justification attached at the item level, delivered as an ESX and a PDF you can send as-is.

4. Revisions through settlement

   When the carrier responds, the answer comes back documented. Files are not abandoned at delivery.

The range, not the roster.

Client work does not get turned into marketing. What follows is the shape of the files that come across the desk — commercial storm and fire losses through residential rebuilds.

Client, carrier, insured, and location detail is never published — including yours.

TradeOfi writes estimates. It does not adjust claims.

Send what you have.

Everything runs through email for now. New work is reviewed the day it comes in — and if it is not a fit, you will hear that instead of a quote.

Helping small businesses do better business.