What a review covers
- Scope: rooms, slopes, elevations and trades that were left out.
- Measurements: wall, ceiling, roof and floor quantities checked against the property.
- Pricing: unit costs compared with current pricing for your part of New Jersey.
- Code and permits: Uniform Construction Code items, permits and inspections.
- Depreciation: whether ages, life expectancies and caps are reasonable and whether labor was depreciated.
- Overhead and profit: whether a general contractor is reasonably needed to coordinate the repair.
- Sales tax: whether New Jersey sales tax on materials was applied correctly.
What you receive
A written summary that lists each material difference, explains why it matters and puts a dollar range on it. If the total gap is small, the summary is often all you need to support a supplement request. If it’s large, it becomes the starting point for appraisal.
Who uses estimate reviews
Homeowners who want a second opinion before signing a release, condo boards checking a large settlement, contractors who need support for a supplement, and attorneys who want an independent valuation before deciding on strategy.
Frequently asked questions
Do I need an on-site inspection for a review?
Not always. Many reviews start from the estimate, photos and measurements. If something can’t be checked from the file, we recommend an inspection before relying on the numbers.
Can I use the review to negotiate myself?
Yes. Many owners submit the review with their own supplement request. It is written so an adjuster can follow it line by line.
Is a review the same as an appraisal?
No. A review is an analysis of the carrier’s estimate. An appraisal is the formal process in your policy that ends in a binding award.