What an estimate review answers
- Are the measurements right? Roof squares, wall heights, flooring areas and linear footage of cabinets and trim.
- Are trades missing? Electrical, plumbing, HVAC, insulation, painting, cleaning, permits.
- Is pricing current for your area, or using an outdated or wrong regional price list?
- Are depreciation, overhead and profit and sales tax handled the way your policy and Arizona practice suggest?
- Is the gap big enough to justify appraisal, or would a documented supplement request do?
What you get
A plain-English summary of every significant difference between the carrier’s estimate and an independent scope, with a dollar figure for each. If your contractor already has an estimate, we compare all three. The review gives you something concrete to send back to the adjuster, or a clear basis for invoking appraisal.
Who it helps
Homeowners deciding whether to push back. HOA boards that need an independent figure before approving a settlement. Contractors who want a neutral read on a disputed scope. Attorneys who need a quick valuation opinion before advising a client.
Questions about insurance estimate review
Do I need my own contractor’s estimate first?
No. It helps, but we can review the carrier’s estimate on its own and build the comparison from our inspection.
Can you review a supplement the carrier already denied?
Yes. We will look at what was requested, what was denied and whether the denial holds up on the numbers.
Does a review commit me to appraisal?
No. It is a standalone service. You decide afterward whether to supplement, invoke appraisal or accept the payment.