An insurance estimate can run dozens of pages. You don’t need to be an estimator to find the most common problems.
1. Scope
Check that every damaged room, roof slope and exterior wall appears. Missing areas are the most common and most expensive gap.
2. Quantities
Compare square footage, linear feet and roof squares with your own measurements. Our roof pitch and squares calculator can help with roofs.
3. Unit prices
Prices should reflect your area and the current market. Ask your contractor to flag prices that look low.
4. Depreciation
Look at the age and life expectancy behind each depreciation figure, and whether labor was depreciated.
5. Overhead and profit
If the repair needs a general contractor to coordinate several trades, O&P may be appropriate.
6. Code items and tax
Check for permits, Uniform Construction Code items and New Jersey sales tax on materials.
What to do next
List the differences, attach your evidence and send a supplement request. If the gap stays large, an estimate review or appraisal may help.