Your contractor says one number. Your insurance company says another. And you're stuck in the middle trying to figure out who's right. Here's the problem: everyone in this process has a financial incentive that conflicts with yours. Except you. You're the only one without an advocate.
Wants the bill as high as possible with maximum margin. Achieves this by inflating scope, using wrong line items, or cutting corners (cheaper materials, incomplete work) while billing for premium.
Wants the payout as low as possible. Achieves this by underestimating damage, using restrictive depreciation, or denying coverage for necessary work.
Gets paid a percentage of the settlement increase. Makes more money when the bill is higher, so their incentive is to maximize the claim — not necessarily to find the truth.
The only person in this equation who benefits from accuracy. You don't want to overpay the contractor, but you also don't want to accept an insurance lowball. You want to know what's actually justified.
You need an advocate whose only job is to tell you the truth about the numbers. That's what a building consultant does.
Look, I'm not going to sell you on this. You either need someone to look at your estimate or you don't. If you do, I can help. If you don't, you're probably fine.
Here's what this is: I take your contractor's invoice and your insurance estimate, I compare them to what actually should have happened based on the damage, and I tell you what's justified. That's it.
This is technical assessment, not policy interpretation. I look at the work and the numbers. I don't read your policy, I don't negotiate with adjusters, and I don't file claims. If you need someone to fight your insurance company over coverage, hire a public adjuster or an attorney. If you need someone to tell you whether the numbers make sense, that's what I do.
When a property developer builds a commercial project, they don't just hire a general contractor and hope for the best. They hire a project manager or consultant whose job is to represent their interests — to make sure the GC's estimates are accurate, the architect's plans are buildable, the engineer's specs are realistic, and the budget reflects reality.
That consultant doesn't have a financial stake in the outcome. They're paid a flat fee to provide expertise and oversight.
That's what a building consultant does for you. You're the developer. Your house is the project. The contractor is the GC. The insurance adjuster is the lender. And everyone has their own agenda. You need someone whose only job is to tell you the truth about the numbers.
Email your contractor's invoice, insurance estimate, photos, and any other documentation you have. Don't worry about organizing it — just send what you've got.
Someone takes a look and tells you if it smells funny. No cost, no commitment. This is the "does this need a closer look?" step. If everything looks fine, we'll tell you. If something's off, we'll let you know what the next step would be.
If the initial look finds something worth digging into, a consultant will reach out with pricing options (basic review, full review, site visit if needed). You decide whether to proceed. No pressure, no upsells, no games.
You'll receive a written report showing what's justified, what's not, and why. We reconstruct what actually happened based on the contractor's own timeline and documentation, then price it correctly. If they said they worked 410 hours, we show you what 410 hours of work looks like when priced right.
Armed with accurate information, you decide what to do next. Negotiate with the contractor. Challenge the insurance estimate. Hire a public adjuster if you need policy coverage help. Or pay the bill if it's justified. Your call.
No percentage fees. No hidden costs. You pay for expertise and time, not a cut of your settlement.
Send your documents. Someone looks and tells you if it smells funny. No cost, no commitment.
Quick desk review. Structured look at the invoice against standards and documentation.
Line-by-line analysis for larger or more complex projects. Most fall in the $750-$1,500 range.
On-site inspection when needed. Depends on project scale and location.
Industry consultants typically charge double these rates. We're able to offer lower pricing because we're leveraging experienced professionals who work for large firms and are willing to do this work on the side at a fraction of the usual cost.
Why? Because they're sick of watching restoration companies take care of themselves, watching insurance companies hire consultants to defend the carrier without consideration for the homeowner, and seeing property owners left to fend for themselves. This is about fixing a broken system, not maximizing profit.
Most disputes can be resolved with a desk review — comparing the contractor's invoice to the insurance estimate, checking the math, and identifying discrepancies. But not all of them.
Some situations require more than document analysis. They require someone to physically inspect the property, verify conditions, and document what's actually there. Here's when you need to escalate beyond the desk:
When the disputed amount is over $50K, or when the project involves multiple trades, structural damage, or environmental hazards (mold, asbestos), a site visit provides the documentation needed to support your position.
Example: Commercial property fire damage with structural concerns and code compliance issues.
When the contractor claims the work was done correctly but you see defects, or when the insurance company claims the damage isn't as extensive as the contractor says, someone needs to physically inspect and document the conditions.
Example: Contractor billed for premium materials but installed builder-grade, or claimed extensive water damage that can't be verified.
If the dispute escalates to legal action, you'll need an expert report with site documentation, photos, and technical analysis that can hold up in court or arbitration.
Example: Contractor filed a lien, insurance denied the claim, or you're pursuing legal action for damages.
When the contractor billed for work that may not have been completed, or when you need to verify that the scope matches what was actually done, a site inspection provides the evidence.
Example: Contractor billed for 10 days of drying equipment but you suspect it was only on site for 3 days.
Start with the free initial look. If red flags emerge, move to a basic or full desk review. If the desk review reveals major discrepancies that require verification, or if the claim is large enough to justify the additional cost, escalate to a site visit.
Most homeowners don't need a site visit. But when you do, it's worth every penny — because it provides the documentation needed to resolve disputes that can't be settled with paperwork alone.
These are actual case studies. Real numbers, real outcomes, real ROI.
Florida
Arizona
Oregon
Texas
Real feedback from homeowners who used our estimate review service.
A public adjuster interprets your insurance policy and negotiates with the carrier on your behalf. They get paid a percentage of the settlement increase (typically 10-20%). A building consultant provides technical assessment of the physical damage and estimate accuracy. We get paid a flat fee regardless of the outcome. Read the full comparison here.
That's fine. A building consultant and a public adjuster serve different functions. Your PA handles policy interpretation and carrier negotiation. We handle technical assessment of the work and the numbers. Many homeowners use both — the consultant provides the technical foundation, and the PA uses that to negotiate with the carrier.
Send whatever you have: contractor's invoice or estimate, insurance company estimate, photos of the damage, adjuster correspondence, repair documentation, timelines. Don't worry about organizing it — just send what you've got and we'll figure out what's useful.
The free initial look takes 24-48 hours. A basic review takes 1-2 weeks. A full review takes 2-3 weeks depending on complexity. Site visits are scheduled based on availability and location.
If your claim was denied for policy coverage reasons (exclusions, limitations, etc.), you need a public adjuster or attorney. If your claim was denied because the insurance company says the damage isn't as extensive as claimed, or the work wasn't necessary, that's a technical question we can help with.
Then we'll tell you that. Our job is accuracy, not taking sides. If the contractor's invoice is justified and the insurance estimate is too low, the report will show that. You can then use that information to challenge the insurance company's position (often with the help of a public adjuster).
Send your documents. Someone will take a look and tell you if it smells funny. No cost, no commitment. If there's something worth digging into, you'll get pricing options and you can decide what's next.
Submit Your Invoice for ReviewFree initial look • 24-48 hour turnaround • No obligation