What an insurance estimate review covers
Carrier estimates are long, coded and easy to misread. We go through the full document, not the summary page, and compare it with your photos, your contractor’s bid and, where needed, our own inspection. You receive a written summary showing what’s missing, what’s underpriced and what’s reasonable.
What we look for
- Measurements: roof squares, wall area and floor area that don’t match the property.
- Missing line items: underlayment, flashing, drip edge, detach-and-reset items, permits, dumpsters.
- Pricing that doesn’t reflect current costs in your county.
- Depreciation applied to non-depreciable items or at rates out of line with the item’s age and condition.
- Overhead and profit omitted where a general contractor is reasonably needed.
- Matching and continuity issues on roofs, siding and flooring.
Three possible outcomes
Sometimes the estimate is fair and we tell you so, which saves you money and stress. Sometimes the gaps are real but modest, and a documented supplement request is the efficient fix. And sometimes the gap is large and the carrier won’t move, which is when appraisal clause representation becomes worth discussing.
Use our claim gap and net recovery estimator to see whether a dispute is large enough to justify appraisal fees.
Questions about insurance estimate review
What do I need to send for a review?
The carrier’s complete estimate (PDF), your declarations page, photos and any contractor estimate you have.
Will the insurer know I had a review done?
Only if you share it. Many owners use the review to write their own supplement request.
Is a review the same as appraisal?
No. A review is a consulting service. Appraisal is a formal policy process with a binding result.