What an estimate review gives you
Insurance estimates are dense: hundreds of line codes, unit prices, quantities and depreciation percentages. Most policyholders can see the total is too low but can’t see why. An estimate review translates that document into a plain list of what’s missing, what’s mispriced and what’s mis-measured — and how much each issue is worth.
What we check, line by line
- Price list and date. Is the estimate priced for your Georgia region and the current month, or an outdated list?
- Quantities. Roof squares, wall square footage, linear feet of trim and flooring checked against our own measurements.
- Missing trades — electrical, plumbing, HVAC, insulation, cleaning, permits — that are needed to complete the work.
- Overhead and profit. Whether a general contractor is reasonably needed to coordinate multiple trades.
- Depreciation. Rates applied to labor, non-depreciable items, and whether holdback can be recovered.
- Code items required by local building departments and covered by ordinance-or-law provisions.
Then you decide the next step
With a review in hand, you can submit a supplement request to the carrier, share it with your contractor, or — if the gap remains — move to appraisal with a valuation already built. About a third of the reviews we perform close the gap without any formal appraisal at all.
Frequently asked questions
Can you review an estimate before the adjuster finishes?
We can review any draft you receive, but reviews are most useful on the carrier’s full estimate after the inspection, when the scope is set.
Do I need to send the estimate in a particular format?
A PDF of the full estimate, including the summary and line items, is ideal. Photos the adjuster took and any reinspection reports help as well.
Is an estimate review a commitment to appraisal?
No. It’s a standalone service. You decide what to do with it.