What we check
- Measurements. Roof squares, pitch and waste; wall and floor areas; linear feet of siding, gutters and trim.
- Missing trades. Items left off entirely: drip edge, ice and water shield, permit fees, electrical or plumbing detach and reset, insulation, painting of adjoining areas.
- Pricing. Whether unit costs reflect current pricing in your part of Wyoming, including travel and remote-site costs where they apply.
- Depreciation. Whether depreciation is reasonable and applied the way your policy describes, and whether recoverable depreciation is shown correctly.
- Overhead and profit. Whether a general contractor is reasonably needed to coordinate multiple trades.
- Matching and code. Whether matching and code-upgrade items are addressed.
What you get
A plain-English written summary of the differences between the carrier’s estimate and what the work actually requires, with a dollar range for the gap. Many owners use that summary to submit a documented supplement request — and many disputes end there. If they don’t, the review becomes the foundation of an appraisal.
When an estimate review is the right first step
When you have the carrier’s estimate but aren’t sure whether it is short, when your contractor’s bid is a lump sum that doesn’t line up with the carrier’s line items, or when you want to know whether the cost of appraisal is justified before you start.
Questions about insurance estimate review
Do I need my own contractor’s estimate first?
No. We can review the carrier’s estimate on its own, though a contractor’s bid helps us understand what the repair will really involve.
Is an estimate review the same as appraisal?
No. It’s a review and a written opinion. Appraisal is the formal process in your policy that produces a binding award.
Can you review an estimate for a claim already paid?
Yes, as long as the claim is still open or within the time your policy allows for reopening or supplements.