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Repair Estimate Prep Checklist

Repair Estimate Prep Checklist

Craft a repair estimate that gets approved — not redlined.

Craft a repair estimate that gets approved — not redlined. |

📋 Before You Estimate:

  • Confirm scope with technician or supervisor

  • Review field photos and cause of loss

  • Verify mitigation was approved and paid

  • Review policy coverage limits (ACV vs RCV, deductibles)

📐 Estimate Must Include:

  • Accurate sketch (rooms, dimensions, materials)

  • Scope of repair (per trade: drywall, paint, cabinets, flooring, etc.)

  • Line item breakdowns (Xactimate, or matching format)

  • Clear notes explaining why each line applies

  • Overhead & Profit (O&P) added if applicable

  • Itemize specialty items (vanities, cabinets, appliances, etc.)

📎 Attach to Estimate:

  • Photos to support each room or repair line

  • Tech notes or job summary

  • Invoice (if already completed)

  • Prior payments or carrier estimate (if available)

Tip

Build every estimate as if it will be reviewed in a legal case.
Precision = faster payouts.

Your Jobs Deserve to Get Paid

Smart Claims™ is the #1 outsourced back office for restoration contractors.

We’ve grown through referrals because we deliver real results: faster payments, airtight files, and less stress for contractors who restore homes, businesses, and lives after property damage.

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Call us at (321) 284-1523
Email us at hello@smartclaims.us