What do I do if
My contractor's estimate doesn't match the carrier's scope.
Different methodologies, pricing lists, and scope assumptions.
My contractor's estimate doesn't match the carrier's scope.
Root cause
Why this happens
Different methodologies, pricing lists, and scope assumptions.
Know the law
Your rights as a Florida policyholder
Contractor estimates at market rates should approximate the correct claim amount.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 later.
What to do
Solution steps
- 01
Step 1
Align contractor estimate format with Xactimate line items
- 02
Step 2
Identify each gap line-by-line
- 03
Step 3
Obtain second contractor opinion
- 04
Step 4
Submit supplemental with detailed gap analysis
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Carrier says matching is not required.
FS 626.9744 governs matching, but carriers narrow its application.
Carrier applied roof age-based ACV even though policy should be RCV.
Some Florida policies have roof age endorsements that downgrade coverage.
Carrier refused to pay code upgrades as "betterment".
Ordinance or law coverage is distinct from betterment. Carriers sometimes conflate.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 later.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
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See also
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
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- ✓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 later.
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