What exactly is on my insurance estimate and how do I read it?

When your insurance adjuster sends the estimate, it’s filled with line items, abbreviations, and numbers that look like another language. That’s because carriers use an estimating system called Xactimate, which breaks every piece of work into coded line items — materials, labor, taxes, overhead, and depreciation.

Faraday’s claims specialists are trained in Xactimate and read it every day. We’ll sit down with you, walk line-by-line through your scope, and explain exactly what your carrier is paying for — and what they missed. Most homeowners never realize that dozens of small items (flashing, vents, ice-and-water shield, permit fees, etc.) are commonly left out of the initial estimate. That’s money you’re entitled to.

Faraday reviews every page, marks discrepancies, and creates a supplement — a professional request for reimbursement of missing or underpaid items. We submit this directly to your adjuster, with photo documentation, code references, and pricing justification.

The result? You don’t get shortchanged. You get a complete, accurate estimate that reflects every inch of your project — handled by experts who speak the insurance industry’s language fluently. With Faraday, you’ll never have to guess what you’re looking at — we turn your insurance paperwork into a clear roadmap for your rebuild.