Clear pricing. Defined scope.
We confirm your service, price and delivery target before work begins.
Roofing & reconstruction
Estimate writing
One estimate and matching sketch. F9 notes are a separate service.
Roofing
| Simple | $179 |
|---|---|
| Moderate | $214 |
| Complex | $249 |
Reconstruction
| Simple | $299 |
|---|---|
| Moderate | $449 |
| Complex | $599 |
Pay the estimate fee at handoff before final release. Approved periodic accounts follow their agreed billing schedule.
What’s included
One project-specific estimate for your defined scope, correctly sourced and identified line items, and a corresponding sketch.
Estimate Only excludes: F9 notes, code arguments, manufacturer specifications/documentation, advanced technical claim positions and narratives, embedded claim photographs or photo reports, supplement arguments, carrier submission/correspondence/negotiation, and Carrier Technical Coordination.
Simple, Moderate and Complex describe estimating workload, not F9 service levels or automatic customer entitlements. We confirm the classification after reviewing the complete file. Combined or Other assignments require scope review and a quote.
How we classify roofing estimates
Estimate + Sketch Only — No F9 Notes
Simple Estimate Only · $179
Generally up to 4 roof planes, 2 valleys, 1 pitch change, 1 roofing system, 6 penetrations, 2 wall-to-roof intersections, 2 stories, 8:12 pitch, 40 squares and 2 separate roof sections. Generally up to 2 trades, such as roofing with minor carpentry.
Moderate Estimate Only · $214
Generally up to 10 roof planes, 6 valleys, 3 pitch changes, 2 roofing systems, 12 penetrations, 6 wall-to-roof intersections, 3 stories, 12:12 pitch, 75 squares and 5 separate roof sections. Commonly two coordinated trades, such as roofing with solar coordination. Three or more meaningful trades generally indicate Complex.
Complex Estimate Only · $249
Generally exceeds a Moderate guideline: 11 or more planes, 7 or more valleys, 4 or more pitch changes, 3 or more systems, 13 or more penetrations, 7 or more wall-to-roof intersections, more than 75 squares or 5 sections, or 3 or more trades. Also includes turrets, cones, mansards, dead valleys, radius roofs, extensive parapets or irregular multi-system tie-ins. Commercial, industrial and specialty roofs—including warehouses, barns, data centers, malls and high-rises—generally require Complex classification.
These are workload guidelines, not automatic entitlements or formulas. SaguaroScope makes the final classification based on the complete assignment, documentation quality, estimating time, coordination, trades, specialty conditions and overall effort.
All three classifications include an estimate and sketch only. No F9 notes, code arguments, photographs or manufacturer documentation are included.
How we classify reconstruction estimates
Estimate + Sketch Only — No F9 Notes
Simple Estimate Only · $299
Generally up to 2 rooms or distinct affected areas, 3 trades, 2 floors, 2 finish/material types, 1 cabinet or built-in area, 2 ceiling types/heights, 5 doors or windows requiring estimating and 1 specialty system. Typical work includes standard drywall, paint, flooring, basic demolition/replacement, baseboard, common flooring, limited transitions/cabinetry and minimal specialty detailing.
Moderate Estimate Only · $449
Generally up to 7 rooms or distinct affected areas, 5 trades, 3 floors, 4 finish/material types, 2 cabinet or built-in areas, 4 ceiling types/heights, 8 doors or windows and 2 specialty systems. Typical work includes drywall, paint, flooring, finish carpentry, cabinets, electrical/plumbing, multiple flooring transitions, partial cabinet replacement, countertops, tile, millwork, multiple ceiling elevations, moderate contents manipulation and plumbing/electrical fixture work.
Complex Estimate Only · $599
May apply when any Moderate guideline is exceeded. Indicators include full-home reconstruction, extensive kitchens/bathrooms, custom cabinetry or millwork, structural framing, major electrical/plumbing, HVAC, fire-suppression systems, commercial kitchens, elevator areas, large-scale contents manipulation, extensive tile/stone, specialty wall coverings, historic or high-end finishes, acoustic systems, large commercial spaces, multiple tenants, industrial interiors, healthcare, hotels, schools, data centers, malls and high-rises.
Commercial, industrial, specialty or highly coordinated interiors generally require Complex classification even with a low room count. These are workload guidelines, not automatic entitlements or formulas. SaguaroScope makes the final classification based on the complete assignment, documentation quality, estimating time, coordination, trades, specialty conditions and overall effort.
All three classifications include an estimate and sketch only. No F9 notes, code arguments, photographs or manufacturer documentation are included.
What determines the final classification?
Estimate + Sketch Only — No F9 Notes
Roof: Simple $179 · Moderate $214 · Complex $249.
Interior / reconstruction: Simple $299 · Moderate $449 · Complex $599.
Simple, Moderate and Complex describe the estimating workload only. We review roof geometry or interior layout, estimating trades, quantities, systems, access, specialty materials and documentation before confirming the classification.
The published criteria are workload guidelines, not automatic pricing entitlements. A low room count, small roof or low claim value does not make a technically complex assignment Simple. Commercial, industrial, specialty and unusually coordinated scopes require review.
Combined or Other projects receive a reviewed scope and quote. No combined price is inferred by adding table entries.
No F9 notes, code arguments, photographs or manufacturer documentation are included. F9 Documentation is a separate reviewed service. Carrier Technical Coordination is not available with Estimate Only alone.
Optional estimate add-on
F9 documentation
Notes written into your Xactimate estimate. We assign the level after file review.
Simple F9
| First $25,000 | 10% |
|---|---|
| Next $25,000 | 8% |
| Above $50,000 | 5% |
Advanced F9
| First $25,000 | 12% |
|---|---|
| Next $25,000 | 9% |
| Above $50,000 | 6% |
Percentages apply only to the supported carrier-approved increase. The F9 fee is separate from the estimate fee and is billed after the final carrier outcome is reported and verified.
Simple or Advanced: what’s the difference?
Simple F9 Documentation
Targeted F9 documentation for files where most of the reasonably supportable repair scope has already been approved and the remaining dispute is limited to specific line items, continuity issues, or code-required components.
Includes review of the carrier estimate and contractor scope; preparation or revision of the estimate as required; targeted F9 notes; minor code language on limited line items; standard technical documentation; and delivery to the contractor.
Typical roofing items include ice and water shield, starter, flashings, drip edge, code-required components and limited quantity or pricing corrections. Interior examples include limited flooring, cabinet or finish continuity, noncompliant plumbing, smoke detectors, fire blocking, insulation R-values and limited missing line items.
Progressive fee: 10% of the first $25,000, 8% of the next $25,000 and 5% above $50,000 of additional carrier-approved RCV supported through SaguaroScope’s work. The baseline is excluded. Minimum total documentation fee: $399.
The entire F9 Documentation fee is billed after approval. There is no upfront or handoff documentation fee.
SaguaroScope’s estimating team assigns the documentation level after reviewing the complete file. You may accept or decline the assigned service before work begins.
Extensive manufacturer packages, broad whole-roof or room-by-room reconstruction arguments, advanced technical positions and unlimited revisions are not automatically included in Simple F9 Documentation. Carrier Technical Coordination is a separately priced add-on available by written Service Order. Once the Backend Technical Support phase is earned, reasonable later technical-response rounds concerning the same accepted repair scope are included at no additional charge.
Advanced F9 Documentation
Comprehensive F9 documentation for materially under-scoped, technically difficult, or highly disputed claims requiring advanced technical support.
Includes review of the carrier estimate; detailed scope reconstruction; preparation or revision of the estimate; comprehensive F9 notes; applicable code research; manufacturer documentation when applicable; advanced technical position development; supporting technical exhibits when reasonably required; detailed argument support; and delivery to the contractor.
Roofing examples include supporting a whole-roof replacement where only limited slopes were approved, omitted roof systems, manufacturer requirements and broad matching, repairability, integration or code issues. Interior examples include omitted rooms or repair operations, major kitchens or bathrooms, fire or whole-house damage, structural damage, vehicle or tree strikes, lightning losses, major framing/electrical/plumbing issues and extensive continuity or sequencing needs.
Progressive fee: 12% of the first $25,000, 9% of the next $25,000 and 6% above $50,000 of additional carrier-approved RCV supported through SaguaroScope’s work. The baseline is excluded. Minimum total documentation fee: $499.
The entire F9 Documentation fee is billed after approval. There is no upfront or handoff documentation fee.
SaguaroScope’s estimating team assigns the documentation level after reviewing the complete file. You may accept or decline the assigned service before work begins. 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.
The base estimate fee and F9 documentation fee are fully separate. References to estimate preparation or revision describe the accepted work, not an estimate-fee credit.
How the percentage fee is calculated
The brackets are progressive: each rate applies only to the dollars in that bracket. The applicable minimum still applies.
Baseline Carrier RCV is the carrier’s latest written replacement-cost amount for the same claim and substantially the same scope immediately before percentage-based documentation begins. Fees use only additional carrier-approved RCV attributable to our work. The original estimate, deductible, previously approved scope and unrelated increases are excluded; the attributable increase cannot be negative.
$70,000 supported increase: Simple F9 = $2,500 + $2,000 + $1,000 = $5,500. Advanced F9 = $3,000 + $2,250 + $1,200 = $6,450.
$3,000 supported increase: Simple’s $300 calculation becomes the $399 minimum; Advanced’s $360 calculation becomes the $499 minimum.
When you pay for F9
Your delivered estimate includes the accepted F9 notes. Standard accounts pay the base estimate fee at handoff before final release; approved periodic accounts follow their agreed billing schedule.
The entire separate F9 percentage fee or applicable minimum is billed after you report the final carrier settlement or approval and we verify it. No upfront F9 deposit or handoff F9 minimum applies. No estimate-fee credit applies.
Example: $249 estimate + $499 Advanced F9 minimum = $748 combined.
How we assign the documentation level
F9 DOCUMENTATION REVIEW
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.
Simple F9 Documentation generally fits targeted disputes where most reasonably supportable principal repair scope is already approved. Remaining items need targeted F9 notes, limited code language or standard technical documentation.
Advanced F9 Documentation generally fits materially under-scoped, technically difficult or highly disputed claims requiring comprehensive F9 notes, applicable code research, manufacturer documentation when applicable and advanced technical position development.
We consider the approved scope; breadth and significance of omitted slopes, rooms, systems and finishes; disputed trades; technical complexity; code and manufacturer support; documentation quality; and the work required. Claim dollars alone do not determine the level, and no fixed percentage-of-scope cutoff applies.
The entire F9 Documentation fee, including the applicable minimum, is billed after approval. There is no upfront or handoff documentation fee. The original carrier estimate is excluded from the progressive percentage calculation.
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.
Estimate Only is the separate fixed-price estimate-and-sketch service with no F9 notes. Water mitigation keeps its separate Simple, Standard and Expanded workload tiers, scope and payment terms; these F9 rates do not automatically apply to mitigation.
We consider approved principal scope, omitted work, technical complexity, documentation quality and the support required. Claim dollars alone do not determine the level; there is no fixed percentage-of-scope cutoff. You may accept or decline before work begins; clients cannot require the lower level.
Water mitigation
Writing or file review
Built from your field records. No insurer-written estimate required.
Simple
$149Writing
Standard
$249Writing
Expanded
$399Writing
All tier limits must fit. We confirm the tier before work.
Limited file review
Review of one contractor estimate.
Writing: no deposit; pay at handoff before final ESX/PDF release. Review: pay before work begins. Approved periodic accounts keep their agreed terms.
Compare writing tiers
| Maximum | Simple · $149 | Standard · $249 | Expanded · $399 |
|---|---|---|---|
| Affected rooms / areas | 3 | 7 | 12 |
| Drying zones | 1 | 2 | 3 |
| Calendar days | 5 | 10 | 14 |
| Equipment deployment rows | 12 | 30 | 60 |
| Affected floors | 1 | 2 | 2 |
The lowest tier that fits every dimension applies to eligible, completed residential files. These are workload limits, not recommended drying times or carrier allowances. Larger, specialty or incomplete files need an individual review and written quote if accepted.
How rooms, zones, days and deployment rows are counted
A room/area is one separately measured and scoped location; use actual functional areas, not invented divisions or combined labels to change the tier. A drying zone is a separately tracked drying environment in the contractor's records.
For tier classification, drying span counts calendar dates from the earliest documented placement through the last removal, inclusive, using the project's local dates; intervening gaps still count toward the span. This is not a calculation of allowable billing days.
A deployment row is a distinct equipment placement interval with a documented location, equipment identity/type and placement/removal dates; a movement or changed interval creates another row. Identical units may be grouped only when their location and dates actually match. Row counts are workload measures, not billable unit-day calculations.
Which files qualify for the standard tiers?
One completed loss at one residential building; measured scope; readable, organized photos/logs; identifiable equipment dates/counts; no unpriced specialist research or disputed technical determination.
Category 3, specialty drying, reconstruction, missing core facts and commercial/multi-unit work require an explicit scope decision even if numeric counts are small. No automatic fee or silent upgrade follows form submission. Confirm the fixed price before work; new facts or scope require an accepted change order before additional work.
What writing includes
Editable Xactimate ESX and review PDF for the accepted mitigation scope; room/area organization and documented quantities; equipment-interval reconciliation; concise factual source notes; a source register and an exceptions list.
These fixed fees cover our estimating and documentation work. They are separate from your field mitigation invoice and independent of claim value or carrier approval.
Carrier submission and responses require separately authorized technical support. Specialist research, embedded photo reports, field inspection, remediation design, safety certification, contents and reconstruction remain separate or excluded under the accepted order.
What the $99 review includes
One contractor estimate checked against supplied records: up to 3 rooms/areas, 5 days, 15 deployment rows and 50 existing estimate lines. All limits apply; larger reviews receive a fixed quote.
You receive a marked review PDF or issue register identifying quantity, date, duplication and documentation questions, plus a writing recommendation. No rewritten ESX, research report, carrier response or approval guarantee is included. Technical support requires an upgrade to SaguaroScope estimate writing.
Review-to-writing credit
The paid $99 review fee is credited once toward writing for the same loss and substantially the same scope, when accepted within 14 calendar days of review delivery.
This mitigation credit has no cash value, cannot apply to unrelated services and cannot be used twice. Example: $249 writing − $99 eligible review credit = $150 at handoff; $249 combined review and writing fees. No writing deposit applies.
Optional service
Technical support
Client-approved submission and technical responses. Priced separately.
Roofing & reconstruction
Written Service Order
Available with eligible F9 assignments.
Mitigation
| Technical Deployment $99 minimum | 1% |
|---|---|
| Backend Technical Support $149 minimum | 2% |
Based on the client-approved mitigation estimate, fixed before first submission. SaguaroScope-written estimates only.
Each phase is billed when its defined work is completed. No substantive backend response means no backend fee.
What technical support covers
Carrier Technical Coordination is an optional technical support service for eligible F9 Documentation assignments and SaguaroScope-written mitigation estimates. It includes transmission and tracking of the client-approved technical package, factual defense and explanation of SaguaroScope’s estimate, correction of factual scope deficiencies, and backend technical responses concerning the same accepted repair scope.
Phase pricing and billing
Carrier Technical Coordination is billed in two work-based phases. Technical Deployment is billed when SaguaroScope transmits the approved technical package and establishes the submission record. Backend Technical Support applies only when SaguaroScope completes a substantive backend technical response. Roofing/reconstruction pricing remains stated in the written Service Order. For SaguaroScope-written mitigation estimates, Technical Deployment is 1% with a $99 minimum and Backend Technical Support is 2% with a $149 minimum of the approved mitigation estimate amount fixed before first submission.
Mitigation basis, eligibility and authorization
Both mitigation phases use the client-approved mitigation estimate amount fixed before first submission. Roofing, reconstruction and unrelated claim amounts are excluded. These fees are earned for completed technical work, regardless of carrier approval, settlement or collection.
Mitigation needs no insurer-written estimate, carrier baseline or separate F9 service. A review-only file must first upgrade to SaguaroScope estimate writing.
Backend Technical Support is charged only after a substantive backend technical response is completed. If that work is not needed, that phase is not charged. Reasonable later response rounds on the same accepted scope are included; expanded scope requires an agreed change order.
Your PSO or applicable annual standing agreement authorizes the services. You approve the package before transmission. Ordinary accounts are billed as each support phase is earned; approved periodic billing follows the account's agreed schedule. Writing is billed separately at handoff. No settlement-contingent fee or insurance-baseline calculation applies to these mitigation phases.
Later response rounds and scope changes
No. Once the Backend Technical Support phase is earned, reasonable later technical-response rounds concerning the same accepted repair scope are included at no additional charge. Materially expanded project scope may require a written change order.
Your control of the file
Your company verifies field facts, controls homeowner communication, and reviews and approves every deliverable and the technical package before transmission. The applicable written service order or annual standing agreement authorizes the services.
SaguaroScope does not accept or reject carrier payments, bind the contractor or insured, interpret policy coverage or make settlement decisions. The contractor and insured retain coverage, settlement, appraisal, legal and payment-acceptance decisions. Carrier approval is not guaranteed.
F9 Documentation and Carrier Technical Coordination are separate services. Roofing/reconstruction Estimate Only alone does not include technical coordination.
Water mitigation
Options & terms
Initial fit and completeness check · No charge
No charge for the short qualification check. Estimate writing and technical review are separate paid services.
Missing Xactimate sketch · $49 / $99 / $149
$49 up to 3 simple rectilinear rooms; $99 up to 7; $149 up to 12, using adequate contractor measurements. Complex geometry is quoted separately. Basic grouping/quantity entry is included in writing. Existing usable ESX sketches do not incur this add-on. No site measurement or purchased report is included.
Additional revision or new facts · Agreed $75/hour
Agreed in advance at $75/hour, one-hour minimum, then quarter-hour increments, with a written total cap. Our drafting/calculation errors are corrected without a correction charge.
Rush writing · +35%, minimum $99, if accepted
Subject to confirmed capacity. Add 35% of the writing fee, rounded up to a whole dollar, minimum $99. Simple total $248; Standard $348; Expanded $539. Delivery is confirmed in the order; there is no automatic next-day guarantee.
Payment and delivery
We confirm scope, price, required inputs and a delivery target before production. Submission alone does not accept a service or authorize a charge.
No writing deposit is required. The full writing fee is billed at handoff and must be paid before final ESX/PDF release. Approved periodic clients receive finished files when ready and are billed on their agreed schedule.
The $99 review fee is collected after acceptance and before staff begins review; approved periodic accounts retain their agreed terms. Apply an eligible $99 review credit to the writing fee due at handoff. Fees are independent of carrier approval, payment, job award or collection.
Revisions and changes
Writing includes one consolidated revision request within 7 calendar days of initial draft delivery using the same accepted scope and source facts. Our drafting/calculation errors are corrected without charge and without that time limit.
New facts or added scope require an accepted change order before further billable work. Additional work is quoted with a total cap; no open-ended charge is inferred.
Cancellation
Before completion, reasonable documented work actually performed is billed up to the accepted fee; prepaid excess is credited or refunded. The fixed fee is earned at completion.
No percentage cancellation charge, attribution tail or claim-recovery fee applies to water writing. Separately authorized technical support phases are earned when their defined work is completed.
Specialty files and excluded work
Standard tiers cover completed residential records. Commercial, Category 3, specialty drying and larger files require individual scope review and a written quote if accepted. Fire/smoke, mold, abatement, biohazard and contents fall outside the standard water offer. Reconstruction is priced separately. The accepted service order controls the work.
Work still in progress
Initial fit review is available. Standard tiers cover completed records; a preliminary estimate and later finalization require a separate scope and quote.
Technical research or carrier rebuttal
Specialist research or expanded scope receives a separate written quote. Optional technical support for SaguaroScope-written mitigation estimates uses the two published work-based phases above; no separate F9 service or insurer-written estimate is required.
Combined reconstruction
Separate water and reconstruction prices, with an overlap check. No automatic bundle discount or duplicate operations.
Volume, expenses and taxes
No automatic volume discount or subscription. Any separate arrangement is agreed in writing. No third-party expense is incurred without approval. The accepted order itemizes any legally required tax.
How outsourced estimating costs are calculated

