What we look at
Insurance estimates are long and full of codes, abbreviations and unit prices. We read every line against your photos, your contractor’s bid and, where needed, an inspection. The review covers:
- Quantities. Roof squares, wall and ceiling square footage, linear feet of trim and fence: measured, not guessed.
- Missing items. Tear-out, haul-off, permits, protection, detach-and-reset, steep and high charges, scaffolding.
- Unit pricing. Whether the price list and labor rates fit your area and timing.
- Depreciation. Whether depreciation is applied to labor or to items your policy doesn’t allow it on, and whether ages and lifespans are reasonable.
- Overhead and profit. Whether a general contractor is reasonably needed to coordinate the trades.
- Matching and uniformity. Whether the scope leaves visible mismatches in tile, stucco, flooring or cabinetry.
What you receive
A written report listing each gap, the estimated dollar effect and the supporting reasons, plus our honest recommendation. Many disputes end at this stage: you send the report with a supplement request and the insurer revises its estimate. If it doesn’t, you have the foundation for appraisal.
Who uses estimate reviews
Homeowners, HOA boards, property managers, contractors who want a second set of eyes before a supplement, and attorneys who need an independent valuation of the physical loss.
Questions about this service
Do I need an inspection for an estimate review?
Not always. Good photos and measurements can be enough for a first review. Larger or more complex claims usually benefit from a site visit.
If you review my estimate, do I have to hire you for appraisal?
No. The review stands on its own. Use it however you like.
Can contractors use this service?
Yes. We review estimates for contractors, but on any appraisal panel we serve independently, not as the contractor’s advocate.