Estimating & Insurance Claim FAQs
Getting Started
We provide detailed, line-item repair cost estimates for disaster-damaged and construction properties. That includes itemized labor and material costs from local rate databases, damage documentation (drones, thermal imaging, moisture sensors), code-upgrade recommendations, and Xactimate ESX files for adjuster or contractor use.
Three steps: upload your photos, adjuster notes, or policy documents through the order form; we send a scope and flat-fee quote within 24 hours; you approve and download your finalized estimate. There's no account to create.
Photos, measurements, plans, and the adjuster's estimate if you have one. The more documentation you provide, the more complete and defensible your estimate will be.
Yes. We provide estimating services for contractors and property owners nationwide across all 50 states, with 24/7 intake.
Pricing & Turnaround
We charge a flat fee based on the complexity of the scope — never a percentage of your claim or job. You see the price before you commit.
No. You pay only after we deliver your finalized estimate. There are no upfront charges and no hidden fees.
Most estimates are delivered within 24 hours of document submission. Complex or commercial properties may take 2–3 days.
You can choose email or text notifications for estimate-draft completion, final report delivery, and any revision requests.
Scope & Services
We cover all major property losses: storm, wind, hail, and hurricane damage; water leaks, floods, and burst pipes; fire and smoke restoration; and commercial property damage.
Yes. Demolition estimating covers tear-out, debris hauling, dumpster, and disposal as line items priced to local rates — usually scoped alongside the repair estimate so the full cost back to a clean substrate is documented in one place.
Yes. We provide HVAC estimating, drywall estimating, and masonry estimating as part of a full repair scope or as standalone trade takeoffs, each with material specs and local labor rates.
Yes. We calculate Additional Living Expenses (ALE) using local rental-market data and IRS reimbursement guidelines.
Insurer-ready Xactimate ESX files by default, with Symbility or PDF available on request.
Working With Your Insurer
Our estimates are built to withstand review. Each includes photo annotations and repair-logic explanations, local contractor rate references, and building-code citations for any upgrades.
We provide technical support: we can submit your finalized estimate to the insurer on request and clarify repair details if the adjuster has questions. We do not negotiate the claim on your behalf.
We revise estimates with additional evidence — such as code references and photo documentation — to strengthen your case for resubmission or supplement.
We revise your estimate for free when hidden issues such as mold, rot, or deck damage are discovered after inspection. Supplements are part of our standard process.
About Our Team
Our team includes Xactimate specialists, construction professionals, and people experienced with regional building codes and carrier requirements.
No. We prepare independent cost estimates and documentation. We do not negotiate claims or act as public adjusters.
Why Choose United Estimating
Built for the way insurers actually review claims.
- Flat-fee pricing, never a % of claim
- Delivered within 24 hours
- Insurer-ready Xactimate ESX files
- Free supplement revisions
- Nationwide, all 50 states · 24/7 intake
Still Have Questions? Start With an Estimate.
The fastest way to see how we work is to send us a claim. Order today — no upfront cost, delivered in 24 hours.