For insurers & adjusters
Scope and estimate validation
Every handler knows the feeling: a contractor’s estimate lands and the number looks wrong — too high, too low, or built on a scope that doesn’t match the photographs. Challenging it without technical backup is a negotiation; challenging it with evidence is a decision.
- 01MCIOBChartered Construction Manager●
- 02AssocRICSAssociate Member, RICS●
- 03Fixed feesAgreed before work starts●
- 04Evidence-ledReports built to be relied on●
- 05Two clear lanesProfessional / policyholder●
- 06A decade in claimsSurveying and complex losses●
Scope validation is that evidence. The submitted scope and estimate are reviewed against the actual damage — from the file, or with a site inspection where the papers don’t settle it — line by line: items that don’t belong, items that are missing, quantities that don’t survive measurement, rates outside market range.
The output is a validation report your file can rely on: each variance identified, evidenced and priced, with a defensible adjusted figure. Prepared under a Chartered Construction Manager who has priced, delivered and audited reinstatement works — the review reads the estimate the way the contractor wrote it.
Use case
When validation earns its fee
- 01
Estimates that look wrong but need evidence to adjust
- 02
Scopes with betterment, duplication or peril-creep concerns
- 03
High-value or contested losses where the figure will be challenged
- 04
Desktop reviews at volume — validation works from papers nationally
The output
What the review covers
- 01
Line-by-line reconciliation of scope against evidenced damage
- 02
Quantity checks against measurement, not assertion
- 03
Rate benchmarking against recognised schedules and market ranges
- 04
Betterment, duplication and out-of-peril items identified and priced
- 05
Missing items flagged too — validation cuts both ways, which is what makes it credible
- 06
A written validation report with an adjusted, defensible figure
From brief to answer
How it works
- 01
Send the file
Scope, estimate, photographs, and the policy peril. Desktop reviews are quoted on the papers.
- 02
Review
Line-by-line reconciliation, with a site inspection added where the papers leave genuine doubt.
- 03
Report
Variances evidenced and priced, adjusted figure stated, ready for your negotiation with the contractor.
Questions, answered
What people ask before instructing
Desktop or site-based?
Desktop first — most estimates can be validated from a well-photographed file, and it is faster and cheaper. Site inspection is recommended honestly where the papers cannot settle a material line, and attendance runs within our travel radius.
Will the review always cut the figure?
No — and you would not want a reviewer who guaranteed that. Where the estimate is right, the report says so; where items are missing, they are added. What you get is a figure that survives challenge, in either direction.
Can this run at volume?
Yes — desktop validation on instructed terms scales, with consistent format and turnaround agreed at onboarding.
Need scope validation?
Tell us where the claim stands and you'll get a fixed fee — plus a straight answer on whether this service genuinely helps your position.