What an estimate review covers
We compare the carrier’s estimate with the damage, the policy and current Utah pricing. Then we explain what we found and what it’s likely worth.
- Scope. Rooms, slopes, elevations or items that were left out.
- Quantities. Measurements, squares, waste factors and linear feet.
- Pricing. Unit costs compared with current local labor and material pricing.
- Depreciation. Ages, life expectancies and whether depreciation looks reasonable.
- Overhead and profit. Whether the job needs general contractor coordination.
- Code items. Requirements of your local building department.
What happens next
Many disputes close at this stage. A well-documented supplement request can bring the carrier’s estimate up without formal appraisal. If it doesn’t, you’ll have a clear picture of the gap and whether appraisal costs make sense.
A good fit when
- You just received the carrier’s estimate and something looks off.
- Your contractor’s number is much higher and you want to know why.
- You’re deciding whether appraisal is worth the cost.
Frequently asked questions
What do I need to send for a review?
The carrier’s complete estimate (not just the summary), your declarations page, photos and any contractor estimate you have.
Will the review be shared with my insurer?
Only if you choose to share it. Many clients use the findings to support a supplement request.
Is a review worth it on a small claim?
Sometimes a quick review shows the gap is small and not worth pursuing. That answer is useful too.