Turn an under-scoped estimate into a contractor-ready file.

This silent, 96-second film follows a two-level house with 18 scoped areas, moving from exposed ceiling damage through a 3D reconstruction of the interior and rear exterior repairs.

The repair sequence shows floor protection and masking, preparation of damaged surfaces, insulation and drywall repair, a waterproofed and finished shower, and two rear roof/deck systems. Labels show 1,505.18 square feet of floor protection, 728.49 linear feet of masking, 187.23 square feet of subfloor repair, 471.49 square feet each of insulation and drywall repair, and 674.69 square feet of texture. Shower details include 94.50 square feet of wall membrane, 27.08 square feet of mosaic, and a 7-linear-foot curb. The rear left deck includes 128 square feet of sheathing repair.

A cutaway view connects those repairs to an estimate with 263 line items. The film compares a prior replacement-cost estimate of $60,288.61 with an approved estimate of $145,432.35 including tax and overhead and profit: $15,334.13 for roof and deck repairs, $118,608.89 for the interior, and $11,489.33 for other exterior and general work. The displayed increase is $85,143.74, or 141.2%. It closes with the SaguaroScope logo.

Xactimate estimating, handled.

You run the job.
We write the estimate.

Estimates and supporting documentation for roofing, reconstruction and water mitigation. Built from your scope and records. Ready for your team’s review.

Start a File Explore services

Services by trade

Start with the work you do.

See the difference

The finished surface is only part of the repair.

An estimate should describe the work needed to complete the repair.

Starting description

Replace damaged drywall and paint.

The visible result is named. Access, connected materials, preparation and code upgrade still need to be checked against the actual project.

Repair sequence to evaluate

Make the work visible.

  1. 01Protect the work area and contents
  2. 02Detach affected fixtures and trim
  3. 03Remove damaged materials
  4. 04Prepare and restore the substrate
  5. 05Install, finish and reset
  6. 06Clean and restore pre-loss conditions
When does supporting documentation belong in the file?

For Simple F9 Documentation or Advanced F9 Documentation, file evidence and repair requirements determine which additions are justified. The assigned service connects supported additions to construction logic, documentation and applicable code or manufacturer guidance. Estimate Only includes an estimate and corresponding sketch, with no F9 notes.

Explore scope-gap documentation

Start with the file

Which sentence sounds like your file?

WATER MITIGATION

The mitigation work is documented.
Build my estimate.

Turn your defined water mitigation scope, drying logs and equipment records into an editable ESX and review PDF. Fixed fees from $149, with factual source notes and an exceptions list. Optional technical support is available for the estimate we write. We confirm scope, price and delivery before work begins.

Explore water mitigation estimating →
Estimate Only

I know the work.
Write my estimate.

Estimate + Sketch Only. No F9 Notes. One project-specific estimate with correctly sourced and identified line items and one corresponding sketch, based on your defined scope. A carrier estimate is not required. F9 notes, code arguments, manufacturer documentation, embedded claim photographs, supplement arguments and carrier communication are excluded.

Explore Xactimate estimate writing →
Simple F9 Documentation

Most principal scope is approved.
Document the remaining disputed items.

Targeted F9 notes and limited code support for specific disputed items where most reasonably supportable repair scope is already approved. The estimating team assigns this service after reviewing the complete file. Progressive fees apply only to attributable additional carrier-approved RCV, with the baseline excluded and a $399 minimum.

Review the scope-gap service →
Advanced F9 Documentation

The file needs deeper technical support.

Comprehensive F9 documentation for materially under-scoped or technically difficult claims, with code research, manufacturer documentation when applicable and advanced technical position development. The estimating team assigns this service after reviewing the complete file. Progressive fees apply only to attributable additional carrier-approved RCV, with the baseline excluded and a $499 minimum.

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Service scope and approval details

You request F9 Documentation Review. SaguaroScope assigns the documentation level after reviewing the complete file. Clients do not choose between Simple F9 Documentation and Advanced F9 Documentation. F9 notes are delivered with the estimate. The base estimate fee is billed separately at handoff before final release; approved periodic accounts follow their agreed terms. The separate F9 percentage fee or minimum follows your reported final claim outcome and our verification. No upfront F9 fee or estimate-fee credit applies. Carrier Technical Coordination is available by written Service Order for eligible F9 Documentation assignments and SaguaroScope-written mitigation estimates. At the client’s direction, SaguaroScope may transmit and technically explain client-approved estimates and supporting construction documentation, defend its technical estimate, correct factual scope deficiencies, respond to factual carrier-scope questions, and provide reasonable backend technical support concerning the accepted repair scope. SaguaroScope does not accept or reject carrier payments, bind the contractor or insured, interpret policy coverage, or make settlement decisions. Carrier approval is not guaranteed. Water mitigation keeps its separate fixed-fee schedule and payment terms.

A clear working relationship

From your file to your team's review.

  1. 01 / PROVIDE

    Send what you have.

    Your defined scope or current estimate, measurements, photos and available documentation. For water mitigation, include job status, drying logs and equipment records.

  2. 02 / CONFIRM

    Agree on the work.

    For F9 Documentation Review, the estimating team assigns the documentation level after reviewing the complete file. We confirm the service, requirements, price and delivery target. You may accept or decline before preparation begins.

  3. 03 / PREPARE

    Build and check.

    Prepare the estimate and the supporting documentation included in the accepted order.

  4. 04 / DELIVER

    Keep control.

    Your company reviews and approves the deliverables. An accepted Carrier Technical Coordination Service Order may authorize transmission of client-approved technical materials.

Read the full process

Built around the actual work

Clear scope. Traceable support. Contractor control.

The file should connect the repair, the available evidence and the service you ordered. Our work is designed to make that connection easier to review.

Meet SaguaroScope
  • 01Project-specific scope and identified line items
  • 02Repair sequence checked against available file information
  • 03Supporting documentation qualified by the accepted order
  • 04An editable file for contractor review and approval

Know the pricing basis

The price follows what the file needs.

WATER MITIGATION · FIXED FEES

Writing: $149 / $249 / $399.
Limited review: $99.

Complete residential water files are classified by documented workload. Water pricing is separate from Estimate Only and F9 Documentation and is not tied to carrier approval. View scope limits, inclusions and payment terms.

See water mitigation pricing →

Estimate Only

Roofs from $179

Estimate + Sketch Only — No F9 Notes.
Roof: Simple $179 / Moderate $214 / Complex $249.
Interior: Simple $299 / Moderate $449 / Complex $599.
SaguaroScope confirms the workload classification.

Simple F9 Documentation

$399 minimum

10% of the first $25,000 added, 8% of the next $25,000, and 5% above $50,000.

Advanced F9 Documentation

$499 minimum

12% of the first $25,000 added, 9% of the next $25,000, and 6% above $50,000.

How F9 fees work

F9 Documentation percentages apply progressively only to additional carrier-approved RCV supported through SaguaroScope’s work; the original carrier estimate is excluded. The total fee is the greater of the bracket calculation or applicable minimum. The base estimate fee and later F9 fee are fully separate. F9 notes are delivered with the estimate. The base estimate fee is billed separately at handoff before final release; approved periodic accounts follow their agreed terms. The separate F9 percentage fee or minimum follows your reported final claim outcome and our verification. No upfront F9 fee or estimate-fee credit applies. SaguaroScope’s estimating team assigns Simple F9 Documentation or Advanced F9 Documentation after reviewing the complete file. The client does not select the documentation level and cannot require the lower tier. The client may accept or decline the assigned service before work begins.

See full pricing, inclusions and exclusions

Practical estimating resources

Build a clearer file from the start.

Use these guides to understand the estimate, identify questions and prepare the records behind your scope.

Free fee calculator & mitigation checklist →Outsourcing Xactimate estimating: contractor guide →Annotated scope examples: quantities, records & overlap →Xactimate estimating guide for contractors →Review an under-scoped carrier estimate →Commonly missed reconstruction operations →Detach and reset in restoration estimates →What are Xactimate F9 notes? →What is an ESX file? →

Start with one file

Send the file. We will tell you exactly what it needs.

Ready with a scope or estimate? Use the full file intake. Still deciding? Send a short project inquiry.

Send a file →Ask about your project
Send a file

Choose what this file needs.

Send a file

Estimate Only

Estimate + Sketch Only. No F9 Notes.

One project-specific estimate with correctly sourced and identified line items and one corresponding sketch from your defined scope.

Estimate + Sketch Only — No F9 Notes
Roof — Simple: $179; Moderate: $214; Complex: $249.
Interior — Simple: $299; Moderate: $449; Complex: $599.

These are fixed prices. SaguaroScope confirms the workload classification after reviewing the complete assignment.

Completed F9 notes, code arguments, manufacturer documentation, advanced technical positions, embedded claim photographs, supplement arguments, carrier submission, carrier correspondence, adjuster negotiation and Carrier Technical Coordination are excluded.

01

Simple F9 Documentation

Targeted F9 documentation for specific disputed items where most reasonably supportable principal repair scope is already approved, with limited F9 or code support.

Progressive fees on attributable additional carrier-approved RCV only: 10% of the first $25,000, 8% of the next $25,000 and 5% above $50,000; $399 minimum. The original carrier estimate is excluded.

You request F9 Documentation Review. SaguaroScope assigns the documentation level after reviewing the complete file. Clients do not choose between Simple F9 Documentation and Advanced F9 Documentation.

F9 notes are delivered with the estimate. The base estimate fee is billed separately at handoff before final release; approved periodic accounts follow their agreed terms. The separate F9 percentage fee or minimum follows your reported final claim outcome and our verification. No upfront F9 fee or estimate-fee credit applies.

Carrier Technical Coordination is available by written Service Order for eligible F9 Documentation assignments and SaguaroScope-written mitigation estimates. F9 Documentation and Carrier Technical Coordination are separately priced services. Your company reviews and approves every deliverable.

02

Advanced F9 Documentation

Comprehensive F9 documentation for materially under-scoped or technically difficult claims, with code research, manufacturer documentation when applicable and advanced technical position development.

Progressive fees on attributable additional carrier-approved RCV only: 12% of the first $25,000, 9% of the next $25,000 and 6% above $50,000; $499 minimum. The original carrier estimate is excluded.

You request F9 Documentation Review. SaguaroScope assigns the documentation level after reviewing the complete file. Clients do not choose between Simple F9 Documentation and Advanced F9 Documentation.

F9 notes are delivered with the estimate. The base estimate fee is billed separately at handoff before final release; approved periodic accounts follow their agreed terms. The separate F9 percentage fee or minimum follows your reported final claim outcome and our verification. No upfront F9 fee or estimate-fee credit applies.

Carrier Technical Coordination is available by written Service Order for eligible F9 Documentation assignments and SaguaroScope-written mitigation estimates. F9 Documentation and Carrier Technical Coordination are separately priced services. Your company reviews and approves every deliverable.

03

Send one file. We will tell you exactly what it needs.

Send a file