What an estimate review covers
Carrier estimates are usually written in standard estimating software, and they follow a predictable structure: room by room, trade by trade, with quantities, unit prices, depreciation and taxes. A review looks at each part.
- Scope. Are all damaged areas and components included? Are the quantities right?
- Pricing. Do the unit prices reflect current costs where the property is located?
- Depreciation. Is depreciation applied reasonably, and is it recoverable under your policy?
- Overhead and profit. Is a general contractor reasonably needed, and is that cost included?
- Code and access items. Are code upgrades, permits, freight and access costs considered?
- Math. Are totals, taxes and deductibles applied correctly?
What you receive
A written summary of the differences between the carrier's estimate and what we believe the repair requires, organized by category and dollar impact. If the gap is small, a documented supplement request may close it. If it is large, the review becomes the foundation for appraisal.
When a review is the right first step
Most claims should start here. It costs less than appraisal, it often resolves disputes on its own, and it tells you honestly whether the gap is worth pursuing further.
Frequently asked questions
What do I need to send?
The carrier's full estimate (not just the summary page), your declarations page, photos, and any contractor estimates you have.
How long does a review take?
Most residential reviews take a few business days once we have the documents. Larger or commercial files take longer.
Will the carrier accept the review?
Some disputes close with a well-documented supplement. Others need appraisal. The review tells you which path is more likely.