Adjustors and Contractors Help

You are not going to be reimbursed from your insurance by anything other than what is in that scope.

Contractors want the scope so they can match up their scope of work to it.

In any house, if you bring in 5 contractors, you'll get 5 different scopes of work - there are just too many interpretations of what needs to be fixed.

So by asking for the scope, the contractor knows exactly what the insurance company is willing to repair, thus they can get paid for the repairs.

Now, here's my "being an arse" answer. Insurance estimates are not designed to pay the homeowner X amount, and then the homeowner get less work done for Y amount and then the homeowner pockets the X-Y=Z amount.

Everyone wants to go buy a free boat. Don't do it on the back of your contractor.

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Now, here's my "being an arse" answer. Insurance estimates are not designed to pay the homeowner X amount, and then the homeowner get less work done for Y amount and then the homeowner pockets the X-Y=Z amount.

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I agree, and doing so is insurance fraud. Your insurance company pays you/contractor what it costs to 'make you whole' again,, IE to fix what is broken, not for you to pocket the left over money after you hired a sub-par contractor to do less work or less quality work on the house than what the insurance company is paying for.

In any case, the check from the insurance company will probably be made out to you AND the contractor to prevent you from doing this anyway.