Initial estimates often come from quick adjuster assessments using standard pricing software. Many claims have legitimate room for supplemental review when contractors find additional damage during repairs. Steps to take. (1) Get a written estimate from a licensed contractor of your choosing. (2) Compare line by line against the carrier's estimate. Differences are usually in scope (what is covered) more than price (cost per item). (3) Document the differences in writing to the adjuster, with photos and the contractor's reasoning. If the carrier still will not budge. Most homeowners policies include an appraisal clause. Either party can invoke it. You hire your own appraiser, the carrier hires theirs, the two appraisers select an umpire, and the panel determines the loss amount. It is faster and cheaper than litigation. We help clients with these steps. The wider the gap between estimates, the more it pays to push back.