Where differences usually come from
- Scope items missing from the carrier's estimate
- Quantity differences — measurements and counts
- Unit pricing
- Labor rates and labor hours
- Materials and material grade
- Depreciation and how it was applied
- Repair methodology and required procedures
- Valuation methodology on vehicles and property
- Items excluded or removed from the estimate
- Contractor or repair-facility estimates and supplements
- Expert reports and what they actually say
Carrier position versus documented loss
We build the comparison in writing: what the carrier scoped, what the documentation shows, and where the two differ and why. That comparison is the deliverable — not an assertion that a number should have been higher.
What to send
The carrier's estimate and payment summary, any contractor or repair estimate, photographs, measurements if you have them, expert or inspection reports, and correspondence.
Send both estimates if you have them.
We'll produce the line-level comparison and explain what appears supported, what appears omitted, and what documentation could change the analysis.
Related claim help
Important Information
White Rock Public Adjusting, LLC is not an insurance company, law firm, contractor, or carrier-affiliated entity, and does not provide legal advice. Services vary by claim type, jurisdiction, licensing requirements, and individual circumstances. No claim outcome is guaranteed. Licensed public adjusting is available in Texas and Florida, subject to the applicable claim, license, law, contract, and circumstances. Public adjusting services are provided only where White Rock and the applicable professional are properly licensed and legally authorized. Submitting information does not create a public-adjusting representation agreement.