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Construction estimates are a big part of the insurance process. Caution must be used when settling a claim using only estimates as the cost basis.

The following discussion that I found online might be of help when trying to determine how homeowners should interpret estimates?

http://www.elocal.com/blog/homeowners-interpret-estimates-2279 

Inspirational Quotes

If you want to forget all your other troubles, wear too tight shoes. 

The Houghton Line, November 1965

Testimonials

The insurance companies probably have you on their "Hit List" - Never before have they been so challenged and in such numbers.

Rice Fire Survivor, 2007