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
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 next.
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.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
FS 626.9744 governs matching, but carriers narrow its application.
Some Florida policies have roof age endorsements that downgrade coverage.
Ordinance or law coverage is distinct from betterment. Carriers sometimes conflate.
Free claim review
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 next.
Know the law
Relevant statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
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All 67 Florida counties.
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Every major Florida storm profiled.
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Common problems answered.
See also
Other common problems
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Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
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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