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Prove It

Policy-Based Scope Validation for Restoration Contractors

Prove It

What Is PROVE IT™?

PROVE IT™ is a repeatable front-end process that every contractor can follow when building an estimate for an insurance-paid property claim. Instead of waiting for adjuster pushback, you submit your Xactimate estimate with supporting documents that:

  • Reference the insured’s actual policy
  • Set the tone for professional communication
  • Require any reductions to be backed by specific policy citations

This is how you shift the game — from “maybe they’ll pay” to “if they reduce, they need to explain why.”

When Should You Use PROVE IT™?

Every single time you write an estimate for an insurance-funded repair.

PROVE IT™ is not just for denied claims or frustrating disputes — it’s designed to be used up front, with every job. This is a proactive system, not a reactive fix.

Use it:

  • On mitigation and reconstruction estimates
  • Before submitting any Xactimate to the carrier
  • To build a track record of professionalism with adjusters
  • As your company’s default documentation standard

By using PROVE IT™ early, you reduce the chance of friction later. It’s not about getting 100% approval every time — it’s about leading with clarity and reducing the guesswork in the process.

Set the tone for professional communication

How PROVE IT™ Works (Step-by-Step)

  • Request the Full Policy – Use our request templates to obtain the complete insurance policy (not just the declarations page).
  • Perform a Targeted Coverage Review – Learn how to quickly identify what’s covered, what’s excluded, and what clauses can support your line items.
  • Build Your Estimate Strategically – Add supporting justification to your Xactimate — not fluff, but smart language that shows why each item is appropriate and necessary.
  • Submit with the PROVE IT™ Letter – Attach a professional cover letter that asks for any reductions to be backed by specific policy citations.
  • Track, Respond, and Escalate as Needed – You’ll know how to log responses, recognize vague denials, and follow up with respectful but firm next steps.

What PROVE IT™ Helps You Achieve

  • Higher approval rates
  • Less back-and-forth with vague objections
  • Stronger negotiating position
  • Documentation that protects your time and your margins
  • A reputation for being professional, prepared, and policy-literate

No contractor wins every claim — but those who submit well-documented, policy-backed estimates win more often, with less delay.

What PROVE IT™ Helps You Achieve

What’s Included in PROVE IT™

Your CoolCoach membership includes full access to the PROVE IT™ system:

  • Training modules
  • Downloadable templates (policy request emails, submission letters, tracking sheets)
  • Real-world case examples
  • Ongoing support and updates

Whether you’re new to insurance work or you’ve submitted thousands of scopes, PROVE IT™ will sharpen your approach and elevate your confidence.

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