There is no requirement in your policy stating that you have to get three estimates. Advocate Claims Public Adjusters will put the estimate of damages together for you and save you the trouble of getting three estimates. In addition, the estimates must be determined on a per-line item basis and most contractor estimates do not comply with this. If your three contractor estimates are not properly detailed, the insurance company will ignore them anyway. Furthermore, most contractors do not have the software, knowledge, or time to write estimates for free.