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