Quoting a restoration project after a fire, flood, or storm is not like quoting a kitchen remodel. You aren't just selling to the homeowner; you're selling to an insurance adjuster who needs to see the exact scope, materials, and labor breakdown in a format they understand. If your estimate isn't structured correctly, you'll be stuck in a cycle of revisions and delays.
The Xactimate Language
Adjusters speak the language of Xactimate. This means your line items should match standard industry codes and pricing. While you don't necessarily need to use Xactimate itself, your proposal must be structured with the same level of granular detail: exactly how many square feet of drywall, how many linear feet of baseboard, and the exact cost of each material.
The Power of the Photo Scope
In restoration, photos are your best friend. A single clear photo of a damaged subfloor or a hidden water leak is worth more than a ten-page description. When you build your estimate, attach these photos directly to the relevant line items. This makes it much harder for an adjuster to cut that item from the claim.
The Supplement Strategy
Restoration projects almost always reveal hidden damage once work begins. Instead of eating the cost, document the new findings immediately and submit a 'supplement' to the claim. This ensures you're paid for the work you actually do, not just what was visible during the initial walkthrough.
Key Takeaways
- Granular Detail: Break your estimate into the smallest possible line items.
- Photo Documentation: Attach photos to every item that might be questioned.
- Standard Pricing: Use industry-recognized rates to avoid adjuster pushback.
- Rigorous Supplementing: Never do extra work without documenting and submitting it.