By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: No, Florida statute does not require multiple estimates, but they often strengthen a claim. They help most on large or complex claims, disputed scope, and appraisal preparation. Typically gather two to three licensed contractor quotes, plus the carrier's Xactimate and your own public adjuster's, then submit them together with a narrative.
When multiple estimates help
Large or complex claims
- Contractor quote + Xactimate + PA estimate
- Creates documented range
- Strengthens negotiating position
Disputed scope
- Contractor quotes support specific work
- Contrast with carrier's Xactimate
- Pattern evidence of industry pricing
Appraisal preparation
- Multiple views support panel deliberation
- Reduces risk of outlier panel position
- Demonstrates market consensus
How many is enough
- 2-3 contractor quotes typical
- Plus carrier's Xactimate
- Plus your own PA's Xactimate if represented
Selecting contractors for estimates
- Licensed and insured
- Specific specialty (roofer for roof, plumber for plumbing, etc.)
- No AOB condition
- Detailed written estimate
Common mistakes
- Only one quote (no comparison)
- Quotes from different specialties (apples/oranges)
- Unlicensed contractor quote
- AOB signed to get estimate
Using multiple estimates
- Submit all to carrier with narrative
- Show range and basis
- Identify consensus items
- Highlight outliers both high and low