Insurance Companies Require
Insurance Claim Estimates From
Contractors, Attorneys, And Public
Adjusters To Be Written Using Line
Item Detail... Don't Be Left Scrambling


Joe Brennan - Insurance Claim Estimates / EstimatorMany professionals and policyholders are in need of insurance claim estimates and insurance appraisal estimates for claims with insurance companies. Most insurance companies require detailed estimates to support the damages of a claim. We provide detailed, line item, insurance claim estimates for homeowners, business owners, insurance companies, contractors, attorneys, and public adjusters.

Always Get A Second Opinion!

Too many policyholders rely on their insurance company to visit their property, inspect their claim, and provide a claim settlement for their damages. This should almost NEVER HAPPEN!

I'm not saying that there are no good adjusters out there and that they can't be trusted, not at all. There are many excellent adjusters that do an excellent job. However, are you under the delusion that they will never make a mistake, miss hidden damages, or that they all have multiple years of experience? Not a chance.

Have you ever had a second opinion before having your car fixed? Have you or anyone you know ever needed a second opinion after seeing a doctor? A second opinion when shopping for a car, computer, or hiring a contractor? Have you ever had more than one estimate to build or repair something for your home? I'm assuming you've answered yes to at least one of these questions, if not more. Then why do policyholders allow insurance company adjusters to TELL THEM what they will pay on their insurance claim?

Most insurance adjusters have learned how to pass an insurance claim exam and learned how to use an insurance estimating program... but have never worked on an insurance repair job. Many have never built or repaired a home, nor have they ever worked for any type of Construction Company. Chances are they will miss something needed to properly complete the repairs of your claim.

It's YOUR property, it's YOUR insurance policy, and it's YOUR responsibility to protect yourself. Again, your adjuster may be dead on with his/her analysis. Regardless, you should have a contractor or insurance claim professional provide you with a detailed, line item insurance claim estimate to compare to.

What Is A Line Item Detailed Estimate?

Sometimes a contractor will use a complete sf price for a roof or deck, but the insurance company is requesting the estimate be broken down per line item. Using the roof example; the insurance companies want to see each process of the roof replacement, AND each type of material being used on the roof - listed separately. Here's an example;

Unit Cost

The numbers in the above example are fictitious; however, it shows the basics of a Line Item, Detailed Estimate. Each line item is broken down in detail and displays the description, quantity, unit cost, and total for each separate line item. This type of detail is needed so the insurance company can review and compare each separate line item and unit costs with their own software. Having the insurance claim estimate formatted the way the insurance companies like to see them, results in a faster settlement.

In the event of an insurance claim dispute a more detailed estimate allows for a smoother, less time consuming process. It's difficult for the insurance companies to dispute insurance claim estimates that are presented to them in the exact format that they are requesting.

Watch yourself, educate yourself, and protect yourself by obtaining a second opinion on any and all insurance claim damages you incur. If you won’t look out for yourself… who will?

We provide estimates using the exact price database, format, and software required by 80% of all insurance companies. The professionals at Insurance Claims Group, Inc. can provide insurance claim estimates that are a result of fire, smoke, wind, water, flood damage, theft, hail, and hurricanes. Please contact us to discuss your needs. Feel free to call (919) 669-9111 to speak with someone or fill out the Insurance Claim Estimate form here.

Who's Behind These Estimates?

Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. Joe has been in the property loss business for more than 24-years. His loss experience began as a contractor / builder, which included water and fire damage restoration repair services. After 20-years of insurance restoration estimating and repair experience, Mr. Brennan became a licensed, independent, insurance claims adjuster.

Joe has maintained his IICRC Certification in both Fire and Water Restoration and also maintains active adjuster licenses in 10-states. Throughout his career, he has handled many multi-million dollar losses, both commercial and residential. The amount of combined experience and knowledge of new construction, damage repairs, and insurance claims handling has advanced his ability to act as a Dispute Appraiser and Appraisal Umpire. Mr. Brennan is highly educated with the appraisal process and has acted as an appraiser and umpire on dozens of claims.

We also have a group of qualified insurance claim experts around our coverage areas, each with multiple years of construction and insurance claim damage experience.

We Provide Insurance Claim Estimates For...

  • Public Insurance Adjusters: We can provide insurance claim estimates via Xactimate using your company logo and contact details. The estimate will be submitted to you as if you wrote the claim. You have full copyrights to the completed product upon request. Public Insurance Adjusters can contact us here for more detailed information.

  • Independent Appraisers: Many independent appraisers that are involved with a claims dispute that has entered the Insurance Appraisal Process, may require estimate assistance. We can provide an estimate for your Appraisal with as much detail that you require. If needed we can visit the loss with you and provide input based on our 24-years of experience in the insurance loss and repair industry. Independent Appraisers that are in need of any type of insurance claim estimate can contact us here for more detailed information.

  • Contractors: Many contractors are involved with insurance repairs. Some have never provided an insurance claim estimate as detailed as the insurance company is requesting. Others may even use Xactimate but have found themselves too busy to complete some of their larger estimates. No worries; Contractors that are in need of any type of insurance claim estimate can contact us here for more detailed information.

  • Attorneys: Attorneys may require an estimate for any number of reasons. If you require an Insurance Claim Estimate using the estimating software used by 80% of all insurance companies do not hesitate to contact us for your needs. We provide detailed insurance damage estimates for Bad Faith Claims, the Insurance Appraisal Process, and any other insurance claim disputes you desire. Attorneys can contact us here for more detailed information.

  • Policyholders: If you are a homeowner or business owner with insurance claim damage to your home, building, and/or contents (furniture, clothing, electronics, etc.) we can help. Sometimes the insurance company will require a detailed estimate even though you will be doing the work yourself. Other times you may find yourself involved in a dispute with your insurer and are engaged in the Appraisal Process. No matter the reason, we can provide estimates that will be accepted by insurance companies backing up your insurance claim. Policyholders can contact us here for more detailed information.

Not Sure What Your Needs Are... Give Us A Call !

How do you know unless you ask? We will answer all your insurance related questions at no cost. Get your questions answered by an Insurance Claims Expert so you can make an informed, educated decision on whether we can assist you or not. Call us at (919) 669-9111 of fill out our Insurance Claim Estimate form letting us know the best time to contact you back.

We provide Insurance Claim Estimates and Insurance Appraisal Estimates in North Carolina (NC), South Carolina (SC), Georgia (GA), Florida (FL), Alabama (AL), Mississippi (MS), Louisiana (LA), Texas (TX), Virginia (VA), Maryland (MD), Delaware (DE), Washington DC, Pennsylvania (PA), New Jersey (NJ), New York (NY), Ohio (OH), Kentucky (KY), Indiana (IN), and Oklahoma (OK). If you are in need of any type of Insurance Appraisal Estimate or Insurance Claim Estimate as outlined; please do not hesitate to contact us. We are here to help you in any way we can.


Insurance Claims Group, Inc. 2054 Kildaire Farm Road, Suite # 426, Cary, NC 27518
PH: (919) 669-9111 FX: (919) 573-9595 -

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Joe Brennan