Precise, defensible line-item estimates for every property claim.
We prepare unit-cost, room-by-room damage estimates that speak the language of adjusters, contractors, and carriers — so homeowners and small businesses in California recover what their policy actually owes them.
By The Numbers
Estimating that stands up to scrutiny.
Every report we produce is line-item, unit-cost, and photo-referenced — the way carriers expect. Our documentation reduces friction, shortens the claim cycle, and keeps the scope of loss honest on both sides.
Residential Property
Single-family homes, condos, and multifamily units. From kitchen water losses to full fire rebuilds — we scope, sketch, measure and price every affected room.
Commercial & Small Business
Retail, office, hospitality and light industrial. We document business personal property, tenant improvements, and code-required upgrades adjusters often miss.
Roof & Envelope
Wind and hail assessments with pitch, square-count and slope diagrams — clear enough that a carrier can approve without a re-inspection.
Water & Mold
Category and class documentation aligned with IICRC S500/S520 — so drying, demolition and containment line items match what actually happened on site.
Fire & Smoke
Structural, contents and code-upgrade estimating for kitchen fires through total losses — with itemized cleaning protocols for smoke-affected areas.
Second-Opinion Reviews
Already have an estimate you don't trust? We compare it against measured scope, current unit costs, and general-condition line items so you know what's missing.
Four steady steps, no surprises.
Initial Consultation
A 20-minute call. We listen to what happened, review your policy declarations, and confirm we're the right fit before you spend a dollar.
On-Site Documentation
We photograph, measure and sketch every affected area — including hidden damage areas most in-and-out inspections skip.
Line-Item Estimate
Within 72 business hours you receive a full Xactimate-format estimate with photos, sketches, unit costs and general-conditions line items.
Adjuster Coordination
We stay reachable while your adjuster reviews. Questions get answered the same day so your claim keeps moving.
Unit costs the way carriers price them.
We don't guess at repair costs. Our unit-cost database is refreshed against current California labor and material pricing and cross-checked against the same tools carrier adjusters use — Xactimate and Symbility — so the numbers we submit aren't disputed on their format.
- Room-by-room scope with door-to-door measurements
- Photo-tagged line items, not generalized allowances
- General conditions, permits, and code upgrades called out
- Rebuild pricing that reflects your ZIP code, not a national average
- Depreciation and RCV/ACV clearly separated
Homeowners & contractors, in their own words.
Phyllis walked our home three times before submitting anything. Her estimate was so detailed the carrier approved it without a re-inspection. Worth every penny.
We refer every complicated water loss in Tulare County to Sierra Ridge. The scope of loss is complete, the general conditions are correct, and the report doesn't get rewritten.
After the kitchen fire our first estimate missed the smoke cleaning in half the house. Sierra Ridge's report caught it and added nearly $18,000 that the carrier paid.
Not sure your estimate is complete?
Send us your paperwork and a few photos. In 24 hours we'll tell you honestly whether a second-opinion estimate is worth the money — or whether your carrier's number already looks fair.