Why carriers dismiss contractor bids
- Preference for controlled Xactimate pricing
- Contractor markup concerns
- "Non-preferred vendor" arguments
- Timing (post-catastrophe surge pricing)
Contractor-quote credibility factors
Supports the quote's weight
- Licensed contractor in good standing
- Reputation and references
- Detailed scope and breakdown
- Multiple competitive quotes (if obtained)
- Line-item detail matching Xactimate format
Weakens the quote's weight
- Unlicensed contractor
- No detail breakdown
- Single quote with no comparison
- Significantly above market
- Contractor-carrier prior disputes
Making the quote count
- Get multiple contractor quotes
- Compare bids line-by-line
- Combine with current Xactimate
- Document market conditions
- Submit formally as claim documentation
Statutory / regulatory basis
Florida Statute 627.70131 requires good-faith investigation including reasonable consideration of policyholder-provided information. Dismissing contractor quotes without review is a potential bad-faith indicator.