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A real adjuster estimate.
What we found in it.
This is a representative adjuster estimate — the type of document ClaimSplain analyzes. Names and identifiers have been changed. The findings are based on actual document language, exactly as ClaimSplain reads them.
Sample: residential total-loss adjuster estimate — 4 issues found
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Educational sample only. This analysis is based on a representative document and does not constitute a coverage determination, claim valuation, or legal advice. Upload your own document for a ClaimSplain analysis of your specific claim.
ClaimSplain found 4 issues in this estimate
Wrong Geographic Pricing Applied
Pricing was applied from a zip code outside the loss location — out-of-area rates can understate costs by 12–22%.
Cited to document
"Location: [Out-of-state zip applied]" — Estimate header, p.1
Pricing Database Over 18 Months Old
The RSMeans database is dated Q1 2024; for an August 2025 loss, every unit cost may reflect an older cost environment.
Cited to document
"RSMeans — last updated Q1 2024" — Estimate footer, p.1
Depreciation Applied to Non-Depreciable Items
The $68,244 depreciation includes debris removal, labor, and code upgrades — categories typically non-depreciable under HO-3.
Cited to document
"DEPRECIATION APPLIED: $68,244.00" — Summary page
Replacement Cost Holdback Window Not Stated
ACV ($215,856) is paid with depreciation held back, but no deadline to claim it is stated — missing it forfeits the holdback.
Action required
Request written confirmation of your holdback claim deadline from your carrier.
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