Reading Your Carrier’s Estimate Line by Line
Insurance estimates are dense, but the structure is predictable. Here’s what to look for on each page.
Nor’easters can bring days of wind, heavy rain, snow and ice. Damage isn’t always obvious right away. Use this checklist once it’s safe.
From the ground
- Missing, lifted or creased shingles
- Bent or detached gutters and downspouts
- Damaged siding, soffit or fascia
- Limbs or debris on the roof
- Ice buildup along the eaves
In the attic
- Wet insulation or stained sheathing
- Daylight through the roof deck
- Frost or moisture on nails
Inside the home
- Ceiling stains, especially near exterior walls
- Peeling paint or damp drywall
- Water around windows and doors
Document and protect
Photograph everything with dates. Make temporary repairs to prevent further damage, and keep receipts. Don’t climb onto an icy roof — hire a professional.
Report promptly
Notify your insurer as soon as possible. Keep a log of conversations. If the estimate seems low, our estimate review can show exactly where.
Keep reading
When Appraisal Is the Wrong Move
Appraisal is powerful, but it’s not always the right tool. Here are the situations where we’d steer you elsewhere.
The Delaware Appraisal Clause in Plain English
A sentence-by-sentence walk through the appraisal paragraph found in most Delaware homeowners and commercial policies.