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Ocean Point Claims:hidden line items in estimates
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Hidden Line Items in Estimates

Xactimate estimates can be 20-50 pages long. Line items that should be included routinely get buried, reduced, or omitted, and homeowners rarely catch the gaps without a detailed audit.

Commonly hidden or omitted items

Demolition and disposal

  • Separate line often required
  • Included with some items, not others
  • Disposal fees specific

Dust protection / containment

  • Required for certain scopes
  • Often marked minimal
  • Full scope often missing

Temporary facilities

  • Rental of port-a-johns, equipment
  • Storage pods
  • Commonly omitted

Mobilization

  • Especially on hard-access properties
  • Multi-story additional cost
  • Rural access charges

Permit fees

  • Often included in supplement
  • Sometimes omitted entirely
  • Jurisdiction-specific

PPE and consumables

  • Materials beyond primary
  • Adhesives, fasteners, sealants
  • Tape, plastic, rags

Testing and inspection

  • Post-remediation clearance
  • Code-required inspections
  • Third-party verification

Overhead and profit

  • 10-and-10 supplement
  • Applied to qualifying scope
  • Often not applied

Finding the gaps

  1. Line-by-line comparison with contractor quote
  2. Xactimate-native audit (check standard items)
  3. Scope-specific checklists
  4. Photo-to-scope reconciliation

Related

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