In order to negotiate with the insurance company, it would be useful to have a software package that would help itemize, price, calculate, and estimate, not only the value of contents but also the cost per square foot of restored construction, the labor cost of tearout of damaged property, debiris disposal costs, etc. Insurance companies have such software packages. It would be great if the insured could also use one.
Is there any insurance loss estimating software homeowners can buy to calculate losses for claims?
There are two main software packages that insurance companies use. It would be cost prohibitive for a homeowner to purchase it. However, most contractors that do insurance repair work have the same programs. The easiest thing for a homeowner to do is have their contractor put together an estimate for the repairs. If there is a price difference from the adjusters estimate - then the contractor and adjuster will work it out - or you can just send the contractor estimate to the adjuster to review.
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