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Writing a restoration estimate isn’t just about plugging numbers into a program and hoping the check comes in. It’s about telling the story of the job — what happened, what needs to be fixed, and how it’s going to get done, step by step.
A residential or commercial restoration services estimate written in a clear, logical manner achieves all of the following:
· It helps you make sure that no important details are overlooked, to improve accuracy.
· It helps insurance adjusters, homeowners and subcontractors understand the scope of the loss, the necessary repairs, and the associated costs, to prevent confusion and misunderstandings.
· It minimizes questions, delays and disputes to create a smoother claim approval process.
· It facilitates faster claim wrap-up and payment once your work is done.
· It builds the reputation of your restoration company by establishing it as a credible restoration business that respects the claims estimating process and cares about the details.
So, let’s break down how to write estimates that tell the job story, using a couple different methods.
Think about how a restoration job actually unfolds on site. You don’t have the painter show up before the drywall is hung, and you don’t install baseboards before the flooring goes in. The order of operations approach is all about laying out your estimate in the same sequence the work happens, by trade and by phase. This isn’t just for your own sanity. It’s for the adjuster and the homeowner, too.
When you write your estimate in the order the trades roll through, you’re walking the reader through the job as if they’re there with you. For example, you might start with demo and mitigation, then move to structural repairs (framing, insulation, drywall), then finishes (paint, trim, flooring), and finally specialty trades (HVAC, electrical, plumbing).
This approach is especially helpful on bigger jobs with multiple trades. Keep the structure tight, maintain a logical order, and you’ll have fewer headaches during the adjuster’s review phase.
Another tried-and-true method is the top-down approach. Here, you start at the ceiling and work your way down to the floor in each affected room or area. This is especially handy for certain jobs, such as water damage restoration or fire damage restoration, where every surface from the crown molding to the baseboard might be affected.
Let’s say you’re scoping a living room. Start with the ceiling (repairs, texture, paint). Then move to the upper walls, windows, doors, lower walls, and finally the floor. This way, you’re less likely to miss something, and your estimate reads like a logical walk-through of the space.
Once again, keep the structure tight and maintain a logical order.
Most estimate rejections boil down to three things: missing context, a confusing layout, and line items out of order. If your estimate jumps all over the place, leaves out key details, or makes the reviewer hunt for information, you’re setting yourself up for delays or denials.
Remember, the adjuster wasn’t on site. They need you to paint the picture for them. The more organized and detailed your estimate, the less likely they are to push back or ask for revisions.
The following three tips will help keep you on track.
It’s one of the best restoration tools you can have on hand. For example, look at what you can do with the magicplan app for contractors:
Plus, if you or your team don’t have the time or capacity to write estimates yourself, magicplan Pro Estimate+ gives you the option to send your site data to certified experts from Epic Estimates, who’ll prepare a full, carrier-compliant estimate for you—right inside the magicplan app, no extra steps needed.
Section headers aren’t just for looks. They’re your best tool for guiding the reader through the job story. Use bold, concise headers for each trade or room, and keep your formatting consistent. For example:
· LIVING ROOM – CEILING
· LIVING ROOM – WALLS
· LIVING ROOM – FLOOR
This structure lets the adjuster and the homeowner see at a glance what’s happening where, and in what order.
Here’s a simple truth: adjusters are busy, often under-trained, and sometimes incentivized to pay as little as possible. If your estimate is scattered, with related tasks split up or out of order, you’re making it easy for them to miss or deny key parts of your scope. For example, if you list baseboard removal in one section of your estimate and bury baseboard installation in a different section, you’re asking for a “scratch out” or a missed payment.
So, be sure to keep all related line items grouped together for each trade or room or surface. This tells a clearer story, to protect your scope from being chopped up or misunderstood.
Learn more: Why and How to Boost Your Bottom Line with a Custom Pricing Strategy
Writing each restoration estimate to tell the job story isn’t about fancy language or padding the bill. It’s about providing a clear and compelling narrative of the loss and the proposed restoration, ultimately leading to a more satisfying experience for all individuals involved.
Whether you prefer the order of operations or the top-down approach, make good use of professional estimate software that will help you build a story. Keep your headers consistent and your line items groups. And always remember: the best estimates are the ones that make it easy for everyone to say “yes.” That’s how you get paid, keep jobs moving, and build a reputation as a pro who knows how to tell the real story of the work.
magicplan Pro Estimate+ (Powered by Epic Estimates) comes with a “we’ll do it for you” option: You can send any scope to magicplan and get a ready-to-go, carrier-compliant estimate built by pros using the Xactimate program or Cotality software. Schedule a call with our sales team today to learn more about this unique service.
Benjamin Brown
Sales Consulting Manager