The insurance claim process is different than if the homeowner were to pay out of pocket. As the homeowner is only responsible for the deductible, the initial estimate we send to the insurance company is more of a list than an actual quote. We list out on the estimate everything that is required to fully restore the home and although there are prices on the estimate, the prices are industry standard. Then the insurance company will return their estimate with what they believe needs to be done. Often the estimate that comes from the insurance company is different and most of the time is missing essential items. This is the value of having our team advocating for you because if we were to leave it to the insurance company, the home would often be under-restored. The insurance company benefits from doing less restorative work as it leads to higher profits for them. So any initial quote we would give a homeowner would be a poor representation of the actual costs of what will be completed in the job.