Why “Just Trust the Insurance Estimate” Hurts Your Business

Insurance estimates are a starting point—not the final word.

Adjuster estimates often miss:

• Local code requirements

• Access and safety considerations

• Specialty materials or labor

• Market-specific pricing

  
  

Contractors who rely entirely on insurance estimates risk under-billing jobs or absorbing extra costs.

Knowing how to review, correct, and supplement estimates protects both the homeowner and the contractor. Education empowers contractors to advocate for proper scope and fair payment.