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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 

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I never saw a wild thing sorry for itself. A small bird will drop frozen dead from a bough, without every having felt sorry for itself.

DH Lawrence

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Thank you for all that you and CARe have done to help so many of us. As you well know from our own experience, the distress of suddenly losing one's home and possessions is overwhelming and truly changes a person's life. The information and resources you have provided has been a godsend. You and your organization help empower people when they need it most. Thank you very much.

2003 Cedar Fire Survivor, San Diego CA