Houston Estimate Stories and Field Tips

You don’t have to accept the adjuster’s number as the last word. It’s the insurer’s estimate. You can get your own itemized estimate to share with them.

Water travels. Wet insulation, the bottom of cabinets and the wall cavity below a leak are easy to miss on a quick visit. Adjusters carry heavy caseloads, so a second look at the scope helps.

When only part of a floor or wall is replaced, the new material may not match what’s left. Whether matching items belong in the scope is worth a look.

Demolition creates debris. Removal, haul-off and dump fees are real costs that are sometimes left out of a first estimate.

Before rebuilding, confirm drying is finished and documented. Field note: check the mitigation first.