Start with the numbers
An insurance estimate review in Delaware is the smallest, fastest service we offer, and often the most useful. We go through the carrier’s estimate line by line and compare it against the damage, the policy and current pricing for your area. You get a clear written list of what’s missing, what’s under-priced and what the difference is worth.
What we check
- Scope: rooms, slopes, elevations or items that were never included.
- Quantities: measurements, waste factors and square counts.
- Pricing: unit costs compared with current regional price data and local contractor bids.
- Labor and minimums: trade minimums, setup, protection and cleanup.
- Policy items: depreciation methods, code upgrades, overhead and profit and sales tax treatment.
Three possible outcomes
- The estimate is reasonable. We tell you so, and you can settle with confidence.
- The gap is modest. A documented supplement request to the adjuster may close it without appraisal.
- The gap is significant. You have a written basis for invoking appraisal, and we can step in as your appraiser.
Many disputes end after the review because the insurer accepts well-supported supplement items. That’s a good result — appraisal is a tool, not the goal.
What to send us
The carrier’s full estimate (PDF, not just the summary page), your declarations page, any letters from the insurer, your photos and any contractor estimates. Our claim gap and fee estimator gives you a quick first look.
Frequently asked questions
Do I need my contractor’s estimate first?
No, but it helps. We can review the carrier’s estimate against the damage and current pricing even without one.
Will the insurer know I hired you?
Only if you choose to share our review. Many owners use it privately to decide on next steps or to support a supplement request.
How much does a review cost?
We quote a flat fee in writing before starting, based on the size and complexity of the claim. The first conversation is free.
Related services
Umpire & Neutral Appraiser Services
Impartial umpire work for panels that need a neutral decision on items the appraisers can’t settle.Learn more
Appraisal Clause Representation
Named as your appraiser once the policy’s appraisal provision is invoked, from demand letter to signed award.Learn more