> ## Documentation Index
> Fetch the complete documentation index at: https://docs.x.build/llms.txt
> Use this file to discover all available pages before exploring further.

# Insurance supplement flow

> Submit a published claim to the carrier and let XBuild work the approval

## Working the claim: XBuild's supplement flow

Publishing an insurance claim gets you the documents; **Submit to insurance** gets it worked. XBuild sends your published scope to the carrier and runs the negotiation, AI-assisted with real people in the loop: following up with the adjuster, answering revision requests, and pushing for approval. Insurance projects only. You pay nothing up front; fees are a percentage of what's approved.

### 1. Publish the claim first

Submit to insurance works on a **published** Xactimate or Symbility scope. Build the claim ([Creating an estimate](/features/creating-an-estimate)) and publish it ([Publishing to Xactimate](/features/publishing-xactimate) or [Publishing to Symbility](/features/publishing-symbility)). The publish success screen — and the project's post-publish panel afterward — shows the **Submit to insurance** button.

### 2. Submit to the carrier

1. Click **Submit to insurance**.
2. Review the confirmation screen: what XBuild will send, the fee that applies, a claim summary with the total RCV, and — when the claim info names the carrier — who it's going to.
3. Click submit.

XBuild sends the published scope **plus the full XBuild Report** — the documentation that backs the scope — to the insurance company. A claim can be submitted once; the button disappears afterward.

### 3. What the fees are

The fee is disclosed on the confirmation screen and depends on how the scope was built:

| Scope                                                                         | Fee                                                                                                                                                                                     |
| ----------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Built from scratch — no carrier estimate existed, XBuild's scope is the claim | **5.5% of the approved RCV**                                                                                                                                                            |
| Built on an uploaded carrier estimate that you supplemented                   | **10% of the RCV increase** over the original carrier scope, **\$100 minimum** per supplement invoice — you pay on the value XBuild added, not on what the carrier had already approved |

Fees are invoiced **NET30** after approval, separately from token charges — submitting consumes no tokens. If an approval comes in low, supplementing continues, and **each new approval is its own invoice, billing only the increase over the previous approval** — never twice for the same approved dollar. Invoices appear on the project alongside the claim activity and in [Invoices and receipts](/plans-billing/invoices-and-receipts).

### 4. What happens after you submit

* Follow-up emails go out until the carrier responds — escalating when they don't.
* Adjuster revision requests come back as revised scopes for review.
* Supplementing continues through approval.

You can still contact the adjuster yourself, but the flow works best through one channel — check Claim activity first so you don't cross a follow-up already in flight.

### 5. Follow along in Claim activity

Open the **project panel** (folder icon) on a submitted claim for the **Claim activity** feed — a timeline of emails to the carrier, follow-ups, revised scopes, phone calls, notes, approvals ✅, and supplement requests, each stamped with who did it and when. XBuild team entries are labeled **XBuild**; invoices tied to approvals show on the project too. The feed is the status, and anyone with project access sees the same timeline ([Team collaboration](/features/team-collaboration)).

### 6. Troubleshooting common issues

* **The Submit to insurance button isn't there.** It appears only on **insurance** projects with a **published** scope, and disappears once submitted. Retail proposals never have it.
* **I submitted but nothing's in Claim activity yet.** The first entries appear when the scope goes out to the carrier. Give it a beat, then check the project panel again.
* **Which fee applies to my claim?** The confirmation screen states it. Started from an uploaded carrier estimate → 10% of the RCV increase; built from scratch → 5.5% of the approved RCV.
* **The carrier approved less than the scope.** Supplementing continues automatically. The first approval is invoiced on its amount; later approvals only on the additional RCV they add.
* **Where do I see what I owe?** Approval invoices are NET30 and appear on the project with the claim activity, and under [Invoices and receipts](/plans-billing/invoices-and-receipts).

For further assistance, contact XBuild Support at [support@x.build](mailto:support@x.build).