Estimate and supplement review on every line, not a sample — each one checked against the damage photos
Every line reviewed, not a sample, so inflated labor and parts are caught.
See one case, screen by screen ↓Software that checks a repair estimate, a supplement or a repair invoice line by line before it is paid — whether each part was damaged, whether the hours and rate are fair, whether an operation is billed twice, and whether the policy covers it. Estimate & Supplement Review does this on every line, against the photos, and drafts the note back to the shop.
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A shop’s estimate runs to dozens of lines, and the supplement that follows teardown adds more, days after the field photos were taken. A water dry-out invoice bills every air mover and dehumidifier by the day. A desk appraiser working 30 or 40 of these a day can only sample them, and supplements under the threshold go through unread.
So lines that should be questioned get paid: a front bumper on a rear impact, body labor above the county’s prevailing rate, repair hours left on a panel that is now being replaced, a sensor no photo shows, equipment left running after the walls were dry. Nobody had time to put the line next to the picture. And when a line is cut without the picture, it starts a phone call with the shop instead of ending one.
Estimated split for one auto supplement, by hand and with the solution, in minutes.
Seven agents box every damage photo and link every line to it; the desk appraiser decides and signs.
Leah Whitford’s 2022 Honda Accord EX was rear-ended at a light in Grove City, Ohio. Ten days after the field photos, Kestrel Auto Body sends supplement S1: 12 lines, $3,186.40. Here is what happens next, screen by screen, in the working solution.
Marcus opens the work that arrived since Friday: 34 items — supplements, auto estimates, dry-out invoices and contractor estimates. Each card shows the amount and a photo-support meter: red where a photo or a log contradicts a line, amber where a photo is still missing. AP-26-118402 S1 from Kestrel Auto Body is at the top: $3,186.40, 2 contradicted, 2 with no photo.
“Every line read and linked to photos as it arrived.”
The supplement was reviewed on Friday, as it landed. The estimate reader matched its 12 lines to the original estimate: 11 new, one changed from repair to replace. The photo tagger boxed 28 parts across the 6 teardown photos and the 12 field photos. The evidence linker tied 10 of 12 lines to a photo, the price checker ran rate, hours and overlap, and the coverage checker confirmed collision applies, with the $500 deductible taken on the original estimate.
“7 agents · 41 s · Oct 9, 16:12–16:13”
Click a line and its photos light up. On teardown photo T2 the rear bumper reinforcement is boxed — bent about 22 mm — and the energy absorber is crushed at the centre. The trunk floor pan buckle is on T3, the frame measurement printout on T4. These lines are supported; on the reinforcement, absorber and floor pan only the labor rate is adjusted.
“S1-1 · Rear bumper reinforcement · $488.80 — Supported by this photo · rate adjusted.”
Line S1-4 replaces and refinishes the front bumper cover: $892.00. The viewer opens the staff appraiser’s photo P4 of September 26, with the front bumper boxed in blue — intact, gaps even, paint unbroken. The lower grille on S1-5 goes with it. Both lines are marked “Contradicted by photo”, on the photo itself.
“Added in the supplement on Oct 9. This photo, taken Sep 26, 2026, shows it intact.”
Supplement check puts every new line beside the earliest photo of the same part. Marcus drags across the frame: Nora Quist’s field photo of September 26 on one side, Kestrel’s teardown photo of October 8 on the other. None of the six teardown photos shows the front of the car — the only bumper photographed at teardown is the rear cover. He disputes the line.
“The loss was a rear impact. P4 and P5 … show the front bumper cover intact: gaps even, paint unbroken, no scuffs.”
The right rear parking sensor ($350.00) and its calibration ($185.00) have no photo support. In P3 the sensor sits in shadow; in T1 the cover is off and the sensor is out of frame. A close photo of the sensor and its connector has been asked for. The $535.00 is held, not cut.
A line with no photo is never cut — it is held while a photo is asked for.
All 50 lines — 38 original, 12 supplement — sit in one table with their photos, finding and decision. Body labor was billed at $64.00 an hour; the Franklin County prevailing rate, and the shop’s own original estimate, is $58.00. The rear body panel asks 2.5 more hours where the guideline allows 1.0 more. And with the rear bumper cover now replaced, the original 3.0-hour repair on it ($174.00) comes off.
The note to Dale Kovacs at Kestrel is drafted from the findings: $1,409.00 agreed today, and every amount not agreed shown line by line with its photo in the margin and the reason. Where a new photo would change the answer, it says so. Marcus can switch it between a plain and a brief version before he signs.
“If the front cover is damaged, please send photos of it and we will look again.”
Marcus signs at 09:26. The dispute is $1,242.40 — over $1,000 — so Ilene Park, the APD supervisor, co-signs from her phone at 09:31. The note goes to Kestrel through the repair portal with 5 photos attached, originals unaltered. $1,409.00 is released for payment, bringing the repair to $5,529.02 agreed.
Kestrel has added front-end parts to rear-impact supplements four times in 90 days — $2,349.90 in all. Each time the appraiser’s photos showed the front intact, and the first three lines came off once the shop saw the photo. At three in 90 days the pattern goes to Jess, with the photos.
“The review shows the photos; it never calls it more than a pattern.”
The appraiser who decides, the supervisor who co-signs, the property estimator and the network manager — what their week looked like, and what it looks like now.
Seven agents box every damage photo and link every line to it; the desk appraiser decides and signs.
Looks at every damage photo — the view, the parts in frame, and whether each is damaged, intact or not clear — with a box drawn around each part and the date, time and who took it.
Reads estimates, supplements and repair invoices line by line — operation, part, hours, labor type, rate, part price, amount — and matches each supplement line to the original as new, changed or repeated.
Links each line to the photos that support it, and compares every supplement line with the earliest photos of the same part. A line with no photo is held and a photo is asked for.
Checks labor rates, part prices, guideline hours, included operations and blend against the county’s prevailing rates and the repair guidelines.
Checks the line against the policy coverage summary: coverage in force, the deductible and where it was taken, exclusions and prior damage on file.
Reads the drying log, finds the day each wall met the dry goal, and counts the air movers and dehumidifiers seen in the job photos against the units and days billed.
Drafts the note back to the shop or contractor: every amount not agreed, with its photo, its reason and what would change it, and the total agreed now.
Decides every line; supervisor co-signs over $1,000. The agents propose; a named person decides.
The appraiser can ask in plain words — or tell it what to do — and every answer points at the photo or record behind it.
Why is the front bumper line disputed?
S1-4 replaces and refinishes the front bumper cover ($892.00) and S1-5 its lower grille ($38.40). The loss was a rear impact at a light. Nora Quist’s photos of Sep 26 show the front bumper intact — gaps even, paint unbroken. None of the six teardown photos shows the front; the only bumper photographed on Oct 8 is the rear cover.
Has Kestrel done this before?
Yes — front-end parts on a rear-impact supplement 4 times in 90 days: AP-26-109377, AP-26-112050, AP-26-115918 and today’s $930.40. The first three came off after the shop saw the photo. Kestrel’s supplement rate is 71% against 48% across the network.
What is waiting on a photo?
Two lines, $535.00: S1-10, the right rear parking sensor ($350.00), and S1-11, its calibration ($185.00). No photo shows the sensor clearly. The shop was asked for a close photo at 09:14 today. The lines are held, not cut.
Draft the note to Kestrel
Done. The note agrees $1,409.00, explains the $1,242.40 not agreed line by line with its photo, and asks for the sensor photo. Because the dispute is over $1,000, Ilene Park co-signs after you.
12 screens from the working solution, on its sample data. Pick one to see it large.
What the agents check every line against is a setting, versioned, and can be tested on last month before it takes effect.
| Setting | Default | Choose from |
|---|---|---|
| A photo for every part replaced or repaired | On — no photo, the line is held and a photo asked for | On · Off |
| Shown intact earlier, added later | On — shown on that photo as a contradiction | On · Off |
| Prevailing local labor rate | Franklin County body $58.00/h, surveyed Sep 2026 | By county · body, refinish, frame, mechanical, paint materials |
| Included and overlapping operations | Repair-to-replace removes the original repair hours | On · Off |
| Drying equipment paid to the dry goal | Drywall 12%, or within 2 points of the unaffected reference | On · Off |
| Agree small clean lines without a person | Off — every line is signed by a person | Off · On (under $250, full photo support, no rule hit) |
| Supervisor co-signs | Disputes over $1,000 on one item | A threshold per role |
| Tell the repair network manager | Any pattern, 3 in 90 days | A threshold per role |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample claims · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (Mitchell Intelligent Review product page, the vendor’s own figure — up to 10% saved per estimate). People, carriers, shops and claims named on this page are fictional — characters and sample data in the working solution.
Software that checks a repair estimate, a supplement or a repair invoice line by line before it is paid — whether each part was damaged, whether the hours and rate are fair, whether an operation is billed twice, and whether the policy covers it. Estimate & Supplement Review does this on every line, against the photos, and drafts the note back to the shop.
The evidence linker puts each new supplement line beside the earliest photo of the same part. If the field photos show that part intact, the line is marked “Contradicted by photo” and shown on that photo, on a then-and-now slider the appraiser can drag across.
It is held, never cut. The evidence linker asks the shop for a photo of the part, and the line waits until one arrives. In the working solution, the right rear sensor and its calibration — $535.00 — wait for a close photo.
Yes. The drying log checker finds the day each reading point met the dry goal and counts the equipment seen in the job photos. Air movers and dehumidifiers are paid through the dry day; equipment in no photo or log, or antimicrobial billed on a dry room, is shown to the property estimator.
No. The agents recommend; the desk appraiser decides every line and signs every note. Disputes over $1,000 on one item are co-signed by the supervisor, and the rule to agree small clean lines without a person is off unless you switch it on.
No. A contradiction is never called fraud on screen or in the note. The note gives the photo and the reason, and what the shop can send to change it. A repeat pattern goes to the repair network manager, as a pattern.
Yes. Prevailing labor rates by county and labor type, the photo rules, blend, included operations, the dry goal, sign-off thresholds and pattern alerts are all settings. Changes are versioned, can be tested on last month, and take effect on the next item reviewed.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your rate survey, repair guidelines, note templates and a sample of past estimates and supplements — and it goes live once every quality gate has passed. We will walk you through it on your own claims first.
A coverage position on day one, every answer tied to the policy wording.
1-min demoCatastrophe Claims ManagementSurge claims assigned and moving in hours, with no spreadsheet rosters.
1-min demoFNOL & Claims Triage AutomationEvery new claim sized and on the right desk before an adjuster opens it.
1-min demoWe’ll run Estimate & Supplement Review on a sample of your own estimates, supplements and photos.