Contractor's Checklist

You're on the roof or in the basement. The carrier's estimate just landed in your inbox and the numbers don't add up. When should you recommend the homeowner invoke appraisal?

1. The Scope is Incomplete

Carrier missed entire elevations, hidden damage, or code-required upgrades.

2. Unit Pricing is Below Local Market

The line items exist, but the prices are 30–60% below what any reputable contractor would charge in your zip code.

3. Depreciation is Excessive

Carrier is depreciating items that shouldn't be depreciated, or applying useful-life schedules that don't match reality.

4. The Carrier Won't Engage

After multiple supplements with documentation, the desk adjuster goes silent or sends form-letter denials.

5. The Numbers Just Won't Reconcile

You've negotiated in good faith and the gap is still tens of thousands of dollars.

When two or more of these are true, it's time. Send your contractor contact our way and we'll handle the appraisal from there.