What is a Scope of Loss?

A Scope of Loss in Hover is a line-item estimate for an insurance claim. It turns a job's measurements, inspection, and damage assessment into a list of repair and replacement items that use Xactimate line item codes, with descriptions, quantities, and units. Every Scope of Loss belongs to a job, and its quantities come straight from the job's 3D model, so nobody has to type measurements into a claim estimate by hand.

Under the hood, a Scope of Loss is a type of Estimate. It uses the same data model as an Estimate, so clients can get Scope of Loss data such as the PDF or CSV report through the same API actions.

Why people use Scope of Loss

Restoration contractors and adjusters use Scope of Loss to write claim estimates from the same data they already trust in Hover. They don't have to build line items from scratch for every claim. Instead, their teams review and adjust a scope that Hover has already put together from measured, documented damage. Teams can add notes and pricing, then send the line items to Xactimate. Field teams, estimators, and carriers all work from the same numbers, and those numbers stay tied to the job and its model.

Why you'd want it in your CRM

When you bring Scope of Loss data into your CRM, the claim scope lives on the matching lead, project, or claim record. Your team gets one source of truth for what was scoped, which job it belongs to, and the report that went to the carrier. Everything syncs automatically, so there's no re-keying and no hunting for PDFs.

To access Scope of Loss data on your org's sub-orgs

To get access to sub-org data through the REST API, reach out to your rep or the Hover Solutions Engineering team at [email protected].