Accurate, Documented, Defensible Property Damage Estimates
We prepare professional property damage estimates that reflect the true cost of repairs, documented line by line with photographs and measurements.
Why a Professional Estimate Changes Your Settlement
The insurance company estimate determines what they pay. If the estimate is incomplete, uses incorrect unit costs, or omits required code upgrades, you receive less than you are owed. A professional counter-estimate prepared to the same standard and using the same software gives you the evidence you need to negotiate a fair settlement.
We prepare estimates using Xactimate, the industry-standard software. Every line item is documented with photographs, measurements, and written justification. We include all required code upgrades, overhead and profit, and matching requirements. We do not guess. We measure and calculate.
Joshua Osteen holds Level 2 Xactimate certification and has a background in construction and remodeling going back to age 14. He brings both the technical estimating expertise and the hands-on construction knowledge to prepare estimates that are accurate and defensible.
Our Estimating Services
Xactimate Estimates
Full property damage estimates prepared in Xactimate, the industry-standard software used by insurance companies.
Field Measurements
On-site measurements of all damaged areas to ensure the estimate reflects actual conditions.
Insurance Estimate Review
Line-by-line review of insurance company estimates to identify missing items and incorrect costs.
Supplemental Estimates
Supplemental estimates for damage discovered after the initial settlement.
Code Upgrade Documentation
Documentation of code-required upgrades for Ordinance or Law coverage claims.
Contractor Estimating Support
Xactimate estimating services for contractors handling insurance repair projects.
The Anatomy of a Professional Estimate
Line-by-Line Accuracy
Unlike generic contractor bids that combine costs into lump sums, our estimates are itemized down to the individual materials and hourly labor rates. This granular approach matches the exact format insurance adjusters require, significantly reducing friction during negotiations.
Code Upgrades & Compliance
Repairs often trigger modern building code requirements. We proactively identify and document necessary upgrades,such as updated electrical panels or increased insulation,ensuring these costs are covered if your policy includes Ordinance or Law provisions.
Overhead and Profit (O&P)
When a claim requires multiple trades (e.g., roofing, drywall, flooring), a general contractor is required to coordinate the repairs. We rigorously document and justify the inclusion of 10% Overhead and 10% Profit, a standard that is frequently disputed or excluded by insurance companies.
Matching and Uniformity
If damage forces you to replace half a roof or part of a floor, you shouldn't be left with mismatched materials. We build estimates that include the cost of replacing undamaged adjacent or continuous materials to achieve a reasonably uniform appearance, as required by law in many states.
Get an Estimate That Reflects What Repairs Actually Cost.
Contact us to discuss your estimating needs.
