What Insurance Adjusters Don’t Tell You About Repair Estimates

Your insurance adjuster isn’t your general contractor—and they’re not always your advocate. Their job is to limit claim costs for the carrier, and that often means underestimating what’s really needed to make you whole.

⚠️ Common Estimate Shortcuts

• Using outdated pricing databases that don’t reflect current material or labor costs

• Leaving out permit costs or specialty trade work (e.g., electricians, framers)

• Pushing minimal repairs that don't restore your home to pre-loss condition

• Referring you to low-cost contractors that may skip quality or design elements

💬 How Peridot Assist Fills the Gaps

We review estimates line-by-line and compare them against actual construction standards, local code, and proper cost databases like Xactimate. We then file supplements with documentation to ensure you get a fair, complete rebuild.

🆓 Send Us Your Estimate

Not sure if your estimate is enough to truly restore your home? Send it over. We’ll review it for free and explain what’s missing—no pressure, no obligation.