Compare the reason, not only the total
Two estimates can differ for many reasons: one omits an area, uses a different quantity, selects another line item, applies a different price, or treats a repair assumption differently. A top-line dollar comparison hides those decisions.
The Carrier Estimate Gap Finder creates a row for each material difference and keeps the source for the firm's position beside it.
What is included
- Claim and estimate version control
- Room, elevation, or trade grouping
- Carrier and firm line-item fields
- Quantity, unit-cost, and calculated-total comparison
- Line-by-line quantity, unit-cost, and total-variance formulas
- Evidence file, type, issue, provenance, and limitation fields
- Review question, fact-needed, owner, disposition, and status fields
- Comparison change and licensed-approval log
A disciplined review sequence
- Confirm that both estimates belong to the same claim and document their version dates.
- Normalize the comparison by room, trade, or loss area.
- Separate line descriptions, quantities, unit costs, totals, and support differences.
- Link each difference to the evidence that supports the firm's position.
- Identify what still needs field verification or licensed review.
- Record the licensed review disposition and preserve material changes in the approval log.
The worksheet does not decide coverage or prove that a line item is owed. It makes the disagreement explicit enough for a licensed public adjuster to evaluate and support.
Professional boundary
This is an operational comparison aid, not estimating, coverage, engineering, legal, or building-code advice. Always apply the policy, claim facts, current code sources, and the judgment of qualified professionals.
Official references
- Florida Statute 627.70131: Claim estimates and insurer explanations
- Florida Statute 627.7142: Homeowner Claims Bill of Rights
- Florida DFS Public Adjuster Code of Ethics and Contract Checklist
Restoria completed an editorial check of the cited primary sources on July 12, 2026. No Florida-licensed public adjuster or attorney review or endorsement is claimed.
