Who an estimate review is for
An estimate review fits property owners who have the carrier’s estimate in hand and a feeling that something is wrong, but no clear picture of what or how much. It also fits contractors and public adjusters who want an independent read before advising a client to invoke appraisal.
What we check
- Scope. Are all damaged areas, elevations and rooms included? Are tear-out, detach-and-reset and cleanup listed?
- Quantities. Do roof squares, wall areas and flooring measurements match the building?
- Pricing. Are unit prices current for your Illinois market, and are labor minimums applied?
- Code items. Are local code requirements such as ice-and-water shield, drip edge and electrical upgrades addressed?
- Depreciation and O&P. Is depreciation reasonable and applied only where the policy allows? Is overhead and profit included where multiple trades are involved?
What you get
A written summary listing each gap, why it matters and an approximate value, plus our honest recommendation: request a supplement, invoke appraisal, or accept the estimate. If the problem is really a coverage question, we say so and suggest you talk to an attorney.
Why start here
Appraisal has real costs. A review keeps you from spending them on a small or weak gap, and it gives you a solid foundation if appraisal does make sense. If you hire us as your appraiser afterward, the review work carries straight into the valuation.
Frequently asked questions
Do I need my contractor’s estimate for a review?
It helps, but it isn’t required. We can review the carrier’s estimate against photos and measurements alone.
Will the carrier know I had a review done?
Only if you share it. Many clients use the review to support a supplement request.