What an insurance estimate review covers
We read the carrier’s full estimate the way a panel would: every line, quantity, unit price and note. Then we compare it with the property, your photos and your contractor’s numbers. The result is a written summary that sorts the differences into a few clear groups:
- Missing scope: rooms, slopes, structures or trades that were never included.
- Short quantities: measurements, waste factors and accessories that were undercounted.
- Pricing issues: outdated unit costs, missing labor minimums, steep or high charges left out.
- Depreciation and holdback: how much was withheld and how to recover it.
- Policy items: code upgrades, overhead and profit, and matching questions to raise with the carrier.
Why start with a review
Many disputes close at this stage. A well-documented supplement request backed by a clear comparison gives the adjuster a reason to revise the estimate without a formal panel. If it does not, the review becomes the foundation for appraisal, so none of the work is wasted.
What we need from you
Send the carrier’s complete estimate as a PDF, your declarations page, any letters from the carrier, your photos and your contractor’s estimate if you have one. We will tell you what we see and whether appraisal looks worth pursuing.
Frequently asked questions
Do I need a contractor’s estimate before a review?
It helps but isn’t required. We can review the carrier’s estimate against the property and photos on their own.
Will the carrier know you reviewed the estimate?
Only if you share our findings. Many clients use the review to support a supplement request.
Is the review fee credited if I move to appraisal?
Fee arrangements are set in writing before work starts. Ask us how review and appraisal fees fit together on your claim.