Two estimates
The adjuster writes or commissions an estimate; the contractor writes one in the same format. Differences are almost always in quantities, missed items, methods and code upgrades. They are reconciled line by line, usually in one or two rounds, with photographs and the standard behind each method.
Supplements
Demolition reveals things the assessment could not see: charring behind drywall, heat-damaged wiring, an undersized header. Supplements document each with photographs and are submitted for approval; carriers expect them on fire rebuilds.
Draws and the servicer
Building payments are released in draws as work completes and is inspected; for mortgaged homes the servicer is a payee and has its own draw process. Depreciation is released at completion on documentation.
Disagreements
Reconciliation first. Then the appraisal clause in most policies, a formal process where each side's appraiser and an umpire decide the amount. Washington's fair claims rules set response deadlines and the insurance commissioner takes complaints. For large or stalled disputes, a public adjuster or an attorney.
Keeping it moving
One folder, a log of every contact, written explanations requested for every delay, the contractor answering scope questions directly, and decisions on upgrades made early.
