Computers don't repair and build homes...licensed contractors do.  Your insurance company owes you the amount that an experienced and reputable contractor would charge you to put your home back to its pre-loss condition.  Insurance companies use guideline pricing and "Xactimate" (a home replacement cost estimating software package) to "predict" or "estimate" how much the materials and labor cost should be.  But an estimate prepared by a qualified, licensed, and bonded contractor who has visited the loss site and reviewed information about the pre-loss structure is generally the most reliable basis for a claim settlement.  Remember this is just an "Estimate", whereby "budgetary" costs are established and is not the time to settle your claim.
Phase III Construction utilizes the same guideline pricing and software as the insurance industry to account for and process your complete scope of loss.  We will prepare a thorough, "firm" scope of loss which will include any, and all supplemental additions, "supplements", which may be overlooked or omitted by your insurance company adjuster.  As your choice expert representative and advocate, we make certain to account for everything to make you and your home whole again.