An insurance estimate is a long list of codes, quantities and unit prices. Mistakes hide easily: a measurement entered as 18 squares on a 26-square roof, a room left off, a material priced as builder-grade when the home had something better. An insurance estimate review finds those items and puts a value on each.
What the review covers
- Quantities. Measurements and counts compared against the property and your photos.
- Missing items. Trades, materials, labor and code items absent from the estimate.
- Pricing. Unit costs checked against current pricing for the property’s location.
- Depreciation. How depreciation was applied, including whether labor was depreciated. Arkansas courts have addressed labor depreciation, and the rules have developed over time; we flag it so you can raise it with the carrier or an attorney.
- Overhead and profit. Whether a general contractor is reasonably needed.
What you get
A written summary that groups the differences into categories, with a dollar estimate for each and a recommendation: send a documented supplement request, invoke appraisal, or talk to an attorney if the dispute is really about coverage.
Why start here
Many disputes close at this stage. When a carrier sees a clear, specific list of what its estimate missed, a supplement is often approved without the cost and time of appraisal. If it isn’t, the review becomes the foundation of the appraisal file.
Frequently asked questions
What do I need to send for a review?
The carrier’s full line-item estimate, your declarations page, photos and any contractor estimate you have.
Is a review the same as an appraisal?
No. A review evaluates the existing estimate. Appraisal is the formal policy process that produces a binding amount of loss.
Can you review an estimate after I’ve been paid?
Yes, as long as the claim is open and deadlines haven’t passed. Many policies allow supplements after the first payment.
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