Already received a check? Look at the scope.
Five things to compare before assuming the carrier’s estimate covers the whole repair.
A Florida story that starts with a real problem
A Jacksonville roof estimate looked complete until a contractor pointed out missing ridge, underlayment, and code items.
The problem: Totals hide the truth. Two estimates can share a similar bottom line and describe completely different work.
What to do next (and what we look for)
Read line by line: rooms, quantities, materials, removal, and matching. Ask what is excluded. Compare photos to the written scope. Note placeholders and “lump sum” lines that skip detail.
Solution, outcome, and takeaway
A careful estimate review is education first. It helps you ask better questions of your carrier, contractor, or public adjuster — without assuming any particular settlement.
Educational only — not legal advice. Coverage, timelines, and results depend on your policy and circumstances. Past recoveries do not guarantee similar outcomes.