The standard of care is published. What carriers pay for is not.
Anyone can grade your file against the standard of care. Ruby grades it against the carrier's standard of payment: what carriers dispute, cut, settle and deny, learned across 100,000+ insurance claims taken all the way to the check.
The figures on this page come from 18,837 files settled since 2023 and an analysis of 25,581 water mitigation files across 160 carriers. All aggregate, with no contractor-level data.
The carrier on the file moves the number about ten points.
The median file at Carrier A settled at 79.5% of what was billed. At Carrier K it was 69.1%. Ruby reads every file knowing which carrier it is going to and what that carrier tends to pay for.
Carrier A
3,442 files
79.5%
Carrier B
467 files
74.6%
Carrier C
3,830 files
74.1%
Carrier D
408 files
74.0%
Carrier E
366 files
73.9%
Carrier F
2,150 files
70.7%
Carrier G
2,894 files
70.2%
Carrier H
1,951 files
70.1%
Carrier I
1,686 files
69.9%
Carrier J
768 files
69.8%
Carrier K
875 files
69.1%
Files settled since January 2023 with $1,000 or more billed. Settled share is the settled amount divided by the billed amount, taken as the median per file. The eleven carriers with the most settled files, 18,837 files in all. Carriers are lettered, not named. Aggregate, with no contractor-level data.
10.4 points
Between the median file at Carrier A and at Carrier K.
18,837
Settled files across eleven carriers, each with hundreds of files or more.
So does the adjuster.
Inside a single carrier, the adjuster you draw spans 8 to 16 points of the billed amount. Each bar runs from the adjuster at the 10th percentile to the one at the 90th, by each adjuster's own median file.
Carrier C
21 adjusters
16.1 points
67.2% to 83.3%
Carrier I
22 adjusters
10.5 points
66.6% to 77.1%
Carrier F
22 adjusters
8.5 points
67.4% to 75.9%
Carrier J
15 adjusters
8.4 points
64.3% to 72.7%
Carrier G
16 adjusters
7.6 points
67.3% to 74.9%
The same files. For every adjuster with 15 or more settled files, their own median settled share; each bar spans the 10th to the 90th percentile of those adjusters, at the five carriers with 15 or more such adjusters (96 adjusters in all). The gold tick is the carrier's median file. Carriers are lettered, not named.
$1,200
On a $12,000 invoice, 10 points is $1,200.
That is about the distance between the tougher and the easier adjusters at the same carrier, and about the distance between Carrier A and Carrier K.
Then there is the file itself.
You don't choose the carrier or the adjuster. You do control the documentation, and it accounts for almost a quarter of what carriers cut from water mitigation invoices.
23.5%
of every dollar carriers cut on water mitigation invoices is documentation, not price and not scope.
79%
of those documentation dollars trace to one artifact: the daily moisture log.
21% less
collected on files where the carrier cut over 30% for documentation, against a clean file.
+27 days
longer to close those same files.
From an analysis of 25,581 water mitigation files across 160 carriers. Aggregate, with no contractor-level data.
One log defends most of the bill.
The daily moisture log stands behind 79% of every documentation dollar carriers cut, and the four equipment lines it defends carry 78% on their own. Ruby checks that log while the job is still drying, when a gap can still be fixed.
The first four are defended by the daily moisture log; after-hours labor by technician time logs.
Documentation matters more as the invoice grows.
| Invoice size | Share of files | Documentation cut, % of billing | Documentation share of all cuts | Days to close |
|---|---|---|---|---|
| Under $5k | 17.8% | 7.3% | 13.2% | baseline |
| $5k to $15k | 63.7% | 12.5% | 21.6% | +13 days |
| $15k to $40k | 15.9% | 15.6% | 26.6% | +41 days |
| $40k and up | 2.5% | 17.8% | 28.9% | +59 days |
Same analysis of 25,581 water mitigation files across 160 carriers.
A cited response, line by line.
When a carrier's estimate comes back short, Ruby lines it up against your invoice and isolates every cut. She weighs each one against how that carrier and that adjuster have settled files like it, then drafts a response cited to the job's own proof (moisture logs, photos, equipment records) and the standard behind the line. A person reviews it before anything goes out.
| Line | Contractor scope | Carrier scope | Gap |
|---|---|---|---|
| Air movers (8 units) | 48 unit-days | 40 unit-days | $264.00 |
| Large dehumidifiers | 21 unit-days | 10 unit-days | $944.46 |
| Equipment decontamination | 21 pieces | 4 pieces | $986.85 |
| Negative-air equipment | 6 unit-days | 2 unit-days | $460.36 |
| Total gap | $2,655.67 |
A real comparative review, anonymized. Each gap is the difference in scope, valued at the carrier's own rates.
The field record, and the settlement that cleared.
Field tools see the job. Billing tools see the invoice. Ruby was built by a team that spent a decade carrying invoices through negotiation to the check, so her answers know which documentation actually moves the number.