Estimating note

Insurer vs. contractor estimates: reading the gap

Placeholder. The final text for this page has not been added yet. Do not rely on it.

In short

Two estimates for the same room can differ because of scope, quantities, pricing, or overhead. This note will walk through a line-by-line comparison so the real differences are easy to discuss.

Where the two numbers come from

Placeholder. Final text to come. This section will explain how each side builds its estimate and what each is trying to capture.

Scope differences

Placeholder. This section will cover items one side includes and the other leaves out.

Quantity differences

Placeholder. This section will cover measurements, waste, and rounding.

Price and overhead differences

Placeholder. This section will cover unit prices, minimum charges, and overhead and profit.

Comparing line by line

Placeholder. A simple method for lining up two estimates and marking each difference by cause.

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