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"How Insurers & Adjusters Can Underpay Basic Construction Replacement Cost ValuescMany contractors and consumers that are involved in establishing/estimating replacement costs for a catastrophe damaged home or business may run into a very unfair and irrational construction estimation methodology that some insurers try to force on naive or even educated insurance claimants. To understand how it works, look at the two estimation examples at the bottom of this article. The first estimate is a common and historically basic "Cost Plus 10% Profit" type construction estimate. The second is a insurer contrived synthetic construction estimate. As you compare the two estimates, keep in mind that common sense dictates that from the roof to the foundation, each construction component's costs contain general contractor and specialty contractors business costs, which would include their own overhead and profit costs.    • Latest:  Roof Repair Dallas TX   These are necessary and INHERENT construction replacement costs, (like materials and labor), insurers & insurance agents account for, yet insurance adjusters may try to avoid disclosing and paying to claimants, whether they use a contractor or not. Does the Texas Department of Insurance Condemn or ..."

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