The methodology behind Claimory's supplement recovery, shown as an illustrative worked example. The recovery is the sum of three streams a typical independent collision shop already earns but does not collect: missed supplements, short-pay recovery, and cycle-time leakage. This page shows the assumptions, the math, and an illustrative worked example so any shop can plug in its own numbers and produce a recovery estimate specific to its book of business. The figures here are a model, not a promise.
Industry baseline is roughly 1 to 3 supplements per insurance claim, with an average dollar value between $300 and $900 per supplement. Independent collision shops without a supplement-tracking system catch fewer than half of the supplements they are entitled to. The supplement workflow in Claimory surfaces aging claims and missed line items so the shop catches more of them inside the carrier submission window.
Carriers routinely soften labor operations, blend time, and feather-prime-block ops on the way to approval. A typical reduction sits between 8% and 18% of submitted dollars. Claim Audits compare the carrier-approved estimate against the shop's submitted estimate line by line and flag the deltas with the source line, so the shop can supplement back the difference rather than absorb it.
Every extra day a vehicle sits adds rental exposure, customer dissatisfaction, and downstream administrative cost. A 1.5 to 2.5 day cycle-time reduction across 25 claims a month, at an average daily carry of $35 to $90 per vehicle, recovers between $1,300 and $5,500 per month. Customer portal updates and adjuster-email automation shrink the wait windows that drive most cycle-time inflation.
Plug industry-typical inputs into the three streams. This is an illustrative model, not a promise, and it measures revenue the shop already earned but never collected. Missed supplements: 25 claims x 1.8 supplements x $320 x 50% missed = $7,200 per month. Short-pay recovery: 25 claims x $2,800 average submitted x 12% short-pay x 50% recovered = $4,200 per month. Cycle-time leakage: 25 claims x 1.8 days saved x $60 per day = $2,700 per month. Total modeled recovery for this example shop: $14,100 per month, $169,200 per year. Against the $129.99 Professional plan, that is a payback of about 109x. No tool recovers the full modeled gap, and real numbers vary by carrier mix, DRP composition, severity, and process. Every assumption above is an editable input on the page, so lower-volume shops or DRP-light books land lower, and higher-volume shops with heavy insurance work land higher. Plug in your own numbers for an estimate specific to your shop.
Claims per month: 25 (typical independent shop). Supplements per claim: 1.8 average. Dollar value per supplement: $320 average. Carrier short-pay rate: 12% average. Cycle-time reduction: 1.8 days average. Per-day vehicle carrying cost: $60 average. None of these are universal. The interactive supplement gap calculator at claimory.io/tools/supplement-gap-calculator and the cycle time calculator at claimory.io/tools/cycle-time-calculator let any shop plug in its own numbers.
No. Every dollar in the methodology is revenue the shop already earned but did not collect. Missed supplements were owed by the carrier. Short-pay deltas were submitted but reduced. Cycle-time leakage was paid out as rental or absorbed as soft cost. The methodology measures recovery, not new sales.
No. The methodology is a transparent worked example based on industry-typical inputs. Real shop numbers vary by carrier mix, DRP composition, severity, technician throughput, and existing process. The 14-day free trial gives you the data to calibrate against your own claims.
Claim Audits read the full claim record (estimate, supplements, photos, vehicle, carrier, location) and flag operations commonly missed for that damage profile, that carrier, and that DRP program. Every flag links to the source line and the reason. The estimator reviews the suggestions and decides which to add. Nothing is auto-applied to the estimate.