If you’ve experienced a flood, fire, or other home damage, you’ll be dealing with your insurance company—a potentially unpleasant experience. Your insurance company will generally provide a price to return your home to the state it was in before the damage, and it’s usually too low. You may opt to hire a professional independent adjuster and often we recommend this. In addition, however, you’ll want a professionally written scope of work and quote from a reputable contractor. An insurance quote includes a thorough home assessment, review of your insurance company’s scope and budget, and a professionally written scope and budget to complete the project. Fees range from $250.00 to $750.00 depending on the size and scope of the project.