Glossary · estimating
Labor Burden
Overhead added to labor costs in estimates.
Labor burden (taxes, insurance, benefits) typically 25-35% on top of wages. Carrier estimates should include burden; verify against your estimates.
In practice
Where you encounter "Labor Burden"
Policyholders encounter "Labor Burden" in policy language and claim correspondence. Knowing the precise definition keeps you from accepting carrier framing.
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Related
Related terms
Tool estimating rebuild cost.
Quarterly pricing update in Xactimate.
Sales tax on materials component of estimate.
Know the law
Related statutes
Public adjuster.
Carrier duties.
Notice deadlines.
Bill of Rights.
Matching.
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- ✓We work for policyholders, not insurance companies
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Go deeper
Related resources
Emergency playbooks.
FNOL to settlement.
Statutes.
Denial reasons.
Carrier profiles.
All 67 counties.
Claim terms.
Damage categories.
Storm profiles.
Decision tools.
Real recoveries.
Common problems.
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Glossary
Related insurance terms
Related glossary entry: Assignment of Benefits (AOB).
Related glossary entry: Deductible.
Related glossary entry: Pack-Back.
Related glossary entry: Fair Rental Value.
Related glossary entry: Quick-Pay Discount.
Related glossary entry: Civil Remedy Notice (CRN).
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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