An insurance estimate review in Rhode Island is the most common way our work begins. You send the carrier’s estimate, your photos and any contractor bid. We compare them line by line against the damage and local pricing, and we tell you in writing what we found.
What we check
- Measurements: roof squares, wall and floor areas, linear footage
- Missing items: tear-out, protection, cleanup, permits, code items and finishes
- Unit pricing and labor minimums against current local costs
- Depreciation: how much, on what, and whether it’s recoverable under the policy
- Overhead and profit when the job needs a general contractor
- Deductibles, including hurricane or named-storm percentages
What you get
A plain-English summary of the differences and their approximate value, and our view of the best next step. Often that’s a documented supplement request to the carrier. Sometimes it’s appraisal. Occasionally it’s a conversation with a Rhode Island attorney about something outside appraisal.
Try the numbers yourself
Our settlement gap estimator shows whether the dispute is large enough to justify appraisal costs.
Questions about insurance estimate review
How long does an estimate review take?
Usually a few business days once we have the estimate, photos and policy. Complex commercial files take longer.
Do I have to hire you for appraisal afterward?
No. Many owners use the review to support a supplement request and never need appraisal.
Can you review my contractor’s estimate too?
Yes. Reviewing both shows where each one may be high or low, which makes for a stronger position.