AI-Powered Estimate Review

Accurate Estimates.
Faster Resolutions.

Quoto compares carrier and contractor estimates side by side — line by line — and clearly identifies every discrepancy, omission, and variance between the two. Designed to bring transparency and accuracy to the claims process for everyone involved.

Built for accuracy at every step of the claim

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PDF Estimate Comparison

Upload both estimates as PDFs. Quoto reads and parses each one, mapping every line item into a structured side-by-side view.

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Side-by-Side Analysis

Review carrier and contractor amounts on every line item — matches, variances, and omissions are clearly identified at a glance.

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Photo Upload & Labeling

Attach jobsite photos to individual line items with labels and descriptions, creating a thorough and organized visual record.

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AI Discrepancy Summary

Quoto generates a clear, professional summary of all identified discrepancies with exact dollar amounts for documented communication.

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Publish & Share

Generate a professional PDF report and share it directly with carriers, adjusters, or contractors in seconds.

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AI Supplement Letter

Quoto drafts a professional supplement request letter from your comparison results — ready to send to the carrier, adjuster, or attorney.

See it in action

A real estimate comparison processed through Quoto — every line item reviewed, every variance clearly documented.

Estimate Comparison ReportPowered by Quoto AI

#	Description	Carrier Qty	Carrier Total	Contractor Qty	Contractor Total	Variance	Status
Roof (6 items)
1	Tear off, haul and dispose of comp. shingles	40.01	$2,432.21	40.01	$2,503.83	+$71.62	Inconsistency
2	Roofing felt - 15 lb.	40.01	$1,286.59	40.01	$1,286.59	—	Match
3	Asphalt starter - universal starter course	151.33	$282.04	151.33	$282.04	—	Match
4	Laminated - comp. shingle rfg. - w/out felt	40.33	$10,155.00	40.33	$10,155.00	—	Match
5	Hip / Ridge cap - Standard profile - composition shingles	75.67	$427.14	75.67	$427.14	—	Match
6	Roof vent - turtle type - Metal	3	$197.39	4	$263.19	+$65.80	Inconsistency
Front Elevation (2 items)
7	R&R Gutter / downspout - aluminum - up to 5"	20	$200.31	20	$200.31	—	Match
17	R&R Wrap wood window frame & trim with aluminum sheet	—	—	1	$278.81	+$278.81	Missing
Right Elevation (2 items)
8	R&R Gutter / downspout - aluminum - up to 5"	9	$90.14	10	$100.15	+$10.01	Inconsistency
9	R&R Wrap wood window frame & trim with aluminum sheet	3	$836.44	3	$1,117.28	+$280.84	Inconsistency
Rear Elevation (2 items)
10	Window screen - rescreen, 10 - 16 SF	1	$46.39	1	$46.39	—	Match
18	R&R Fascia - metal - 8"	—	—	10	$80.08	+$80.08	Missing
Left Elevation (3 items)
11	R&R Gutter / downspout - aluminum - up to 5"	10	$100.15	20	$200.31	+$100.16	Inconsistency
19	R&R House wrap (air/moisture barrier)	—	—	1328.92	$601.14	+$601.14	Missing
20	R&R Siding - vinyl	—	—	1328.92	$7,293.71	+$7,293.71	Missing
Labor Minimums Applied (2 items)
13	Gutter labor minimum	1	$120.52	1	$67.17	$-53.35	Inconsistency
14	Window labor minimum	1	$169.58	1	$169.58	—	Match
Debris Removal (1 items)
12	Haul debris - per pickup truck load - including dump fees	1	$160.66	1	$160.66	—	Match
TOTAL GAP						+$8,782.17

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One click to a professional supplement letter

Quoto turns your comparison results into a ready-to-send supplement request — formatted, accurate, and based entirely on the numbers.

Supplement Request LetterGenerated by Quoto AI

June 16, 2026

Claim Number: CLM-2024-087341

Insured: Robert & Linda Harmon

Property: 4821 Maplewood Drive, Columbus, OH 43215

RE: Supplement Request — Storm Damage Claim

I am writing on behalf of the insured to formally request a supplement to the above-referenced claim. After a thorough review of the carrier's estimate, we have identified several discrepancies and omitted line items that are necessary to restore the property to its pre-loss condition.

Pricing Discrepancies

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Tear off, haul and dispose of comp. shingles[Roof]+$71.62
Carrier allowed $2,432.21; current market rate is $2,503.83.
•
Roof vent - turtle type - Metal[Roof]+$65.80
Carrier approved 3 units; site inspection confirms 4 units require replacement.
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R&R Gutter / downspout - aluminum - up to 5"[Right Elevation]+$10.01
Carrier allowed 9 LF; field measurement confirms 10 LF affected.
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R&R Wrap wood window frame & trim with aluminum sheet[Right Elevation]+$280.84
Carrier allowed $836.44; correct pricing per current Xactimate is $1,117.28.
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R&R Gutter / downspout - aluminum - up to 5"[Left Elevation]+$100.16
Carrier approved 10 LF; field measurement confirms 20 LF affected.

Omitted Line Items

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R&R Wrap wood window frame & trim with aluminum sheet[Front Elevation]$278.81
Omitted from carrier estimate. Storm damage to front elevation window trim was documented in inspection photos.
•
R&R Fascia - metal - 8"[Rear Elevation]$80.08
Omitted from carrier estimate. Rear fascia sustained direct storm damage and must be replaced.
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R&R House wrap (air/moisture barrier)[Left Elevation]$601.14
Required whenever siding is removed to ensure proper moisture protection per building code.
•
R&R Siding - vinyl[Left Elevation]$7,293.71
Left elevation siding omitted despite documented storm damage. 1,328.92 SF requires full replacement.

Total Supplement Requested+$8,782.17

All work reflected in this supplement is necessary to restore the property to its pre-loss condition and complies with local building codes. Supporting documentation, including field measurements and inspection photos, is available upon request. Please review this supplement at your earliest convenience. We are happy to schedule a joint inspection if needed.

Respectfully,

James T. Caldwell

Caldwell Roofing & Restoration

Phone: (614) 555-0192

License #: OH-RC-48821

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