Estimating repairs with the software that is utilized by your insurance carrier is a detail oriented process, so your adjuster needs to take the time to make sure there is accuracy in all areas. There are several things that might cause your adjuster’s estimate to be less than is needed for the repairs to be completed, these are the most common:
One of the biggest reasons an estimate might be too low is that it doesn’t include all the work that needs to be done. Repairing damage often involves multiple steps, and if any of those steps are missed, you’re not going to get the money you need. It’s essential to make sure every detail of the necessary work is captured.
Your adjuster uses software to figure out the cost of labor and materials in your area, but let’s be honest—it’s not always spot-on. Prices can vary, and if the estimate doesn’t match up with what things actually cost, you’re entitled to ask for more. Don’t just take their word for it—do a little digging and compare.
Not all materials are created equal. Whether it’s plywood, tile, or windows, there are different grades of quality, and your estimate might default to using average-grade stuff. But if your home needs something better, don’t hesitate to speak up. Provide proof of the higher-quality materials you need, and push for an adjustment to your estimate.
At the end of the day, getting the right estimate is about ensuring your home gets the care it deserves. Don’t settle for less—know what to look for, ask the right questions, and make sure your insurance company delivers on its promises. Your home is worth it.