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Fair, as completeness — not as a price index

We cannot tell you whether $4.72 a square foot for baseboard is the going rate. We can tell you whether the estimate splits mitigation from reconstruction, carries a moisture log, names the water category, and asks you to assign benefits on the doorstep.

6 checks split, log, category, AOB, units, matching Assignment of benefits is the document to be slowest about. Several states have legislated to restrict it. A reputable company will wait while you read it.

Tick what is on the document. A ticked item is a question to ask, not proof of fraud. Absence of these items is not a clean bill of health. We do not have a unit-cost index, so this is not an Xactimate checker in the sense the search query wants — and saying so is the honest version of that tool.

What is on the document

Tick what you can see. Nothing is emailed.

— Items present
— How to read it
— List length

What this assumed —

Completeness, not a price index. HyreRestore does not adjust claims and does not audit Xactimate.

Questions this calculator answers

How do I know if a restoration estimate is fair?
Read it as two invoices, with a moisture log, a water category, unit prices you can see, and no assignment of benefits signed on the doorstep. Fairness of a unit price is a different question we cannot answer without a market index we do not have.
What is an assignment of benefits?
A document that transfers your right to the insurance payout to the contractor. Legal in most places, abused in some, restricted in several states. Read it. A work authorisation is a different paper.
Is a supplement a red flag?
No. Damage behind finishes is found after demolition. Supplements with documentation are normal.

Sources and methodology

Figures dated 23 August 2026. Last reviewed .

Related

  • Water loss cost Two invoices, if you want to rebuild the arithmetic yourself.
  • Claim timeline Supplements live in the adjuster stage, not as a surprise at the end.
  • Is it covered? A beautiful estimate on an excluded peril is still your invoice.

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