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.
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’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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