Interior and reconstruction estimating
Xactimate reconstruction estimate writing.
Get your reconstruction scope written into a Xactimate estimate and sketch, with an editable ESX file and review PDF. Our estimate writers work from your room measurements, photos and repair scope. Start with a callback—no files needed. We confirm the price and delivery date before work begins.
Interior Estimate Only from $299. Estimate + Sketch Only — No F9 Notes.
A defined service
Keep the repair scope clear, room by room.
Defined interior scope
Project managers provide the room dimensions, damaged materials, finishes and repairs to estimate. We organize that scope by room and trade. Your restoration company checks the field facts and approves the finished estimate.
Supported repair operations
Protection, detach and reset, demolition, substrate preparation, assembly layers, transitions and trade sequence may need attention. Include an operation only when project records and the actual line-item inclusions support it.
Separate from field mitigation
For water damage projects, separate completed mitigation work from the repairs still needed. Check removal and preparation work against the mitigation estimate so it is not counted twice. Mitigation writing and review have separate prices and terms.
Room-by-room scope
Turn a reconstruction scope sheet into a clear estimating handoff.
List the work needed in each room: removal, surface preparation, replacement materials, finishes and any fixtures to detach and reset. Match each operation to measurements and photos. Flag missing dimensions for your team to confirm; a photo alone is not a measured quantity.
A scope sheet defines the requested work; it does not replace the editable Xactimate estimate. Use the floor-plan and sketch guide for measurement inputs and the reconstruction operations checklist to review the defined scope. Check mitigation and reconstruction overlap before assigning work already included in the mitigation file.
Inspect a real reconstruction estimate
Review the anonymized reconstruction sample: 65 actual line items across six pages, selected from a 44-page, 319-item estimate. It includes electrical and HVAC operations, ceiling and finish quantities, flooring and trim, with selected notes explaining the scope. The public copy omits client identities and pricing.
Compare the full Xactimate estimate-writing service, including the distinction between Estimate Only and separately accepted F9 Documentation.
Interior Estimate Only
A fixed fee for a defined estimate.
Estimate + Sketch Only — No F9 Notes
Simple Estimate Only
$299Generally a limited interior scope with standard materials and minimal specialty detailing.
Workload guidelines
Generally up to 2 rooms or distinct affected areas, 3 trades, 2 floors, 2 finish/material types, 1 cabinet or built-in area, 2 ceiling types/heights, 5 doors or windows requiring estimating and 1 specialty system. Typical work includes standard drywall, paint, flooring, basic demolition/replacement, baseboard, common flooring, limited transitions/cabinetry and minimal specialty detailing.
Moderate Estimate Only
$449More rooms, coordinated trades, finish transitions or cabinet and fixture work.
Workload guidelines
Generally up to 7 rooms or distinct affected areas, 5 trades, 3 floors, 4 finish/material types, 2 cabinet or built-in areas, 4 ceiling types/heights, 8 doors or windows and 2 specialty systems. Typical work includes drywall, paint, flooring, finish carpentry, cabinets, electrical/plumbing, multiple flooring transitions, partial cabinet replacement, countertops, tile, millwork, multiple ceiling elevations, moderate contents manipulation and plumbing/electrical fixture work.
Complex Estimate Only
$599Extensive, specialty or highly coordinated interior reconstruction work.
Workload guidelines
May apply when any Moderate guideline is exceeded. Indicators include full-home reconstruction, extensive kitchens/bathrooms, custom cabinetry or millwork, structural framing, major electrical/plumbing, HVAC, fire-suppression systems, commercial kitchens, elevator areas, large-scale contents manipulation, extensive tile/stone, specialty wall coverings, historic or high-end finishes, acoustic systems, large commercial spaces, multiple tenants, industrial interiors, healthcare, hotels, schools, data centers, malls and high-rises.
Simple, Moderate and Complex describe estimating workload only. These are guidelines, not automatic entitlements or formulas. SaguaroScope confirms the classification after reviewing the complete assignment, documentation quality, estimating time, coordination, trades, specialty conditions and overall effort.
Combined or Other projects receive a reviewed scope and written quote. No combined price is inferred by adding table entries. Commercial, industrial, specialty and unusually coordinated assignments require review.
Estimate Only includes one project-specific estimate with correctly sourced and identified line items and one corresponding sketch. F9 notes, code arguments, manufacturer documentation, advanced technical positions, embedded claim photographs or photo reports, supplement arguments, carrier submission, carrier correspondence, adjuster negotiation and Carrier Technical Coordination are excluded.
Optional documentation add-on
When disputed scope needs technical support.
You request F9 Documentation. SaguaroScope assigns Simple F9 Documentation or Advanced F9 Documentation after reviewing the complete file. Clients do not choose the documentation level. You may accept or decline the assigned scope and terms before work begins.
Simple F9 Documentation
Targeted support may address limited flooring, cabinet or finish continuity, noncompliant plumbing, smoke detectors, fire blocking, insulation R-values and limited missing line items where most principal repair scope is generally already approved.
| Progressive bracket | Rate |
|---|---|
| First $25,000 | 10% |
| Next $25,000 | 8% |
| Above $50,000 | 5% |
$399 minimum total documentation fee
Advanced F9 Documentation
Broader support may address omitted rooms or repair operations, major kitchens or bathrooms, fire or whole-house damage, structural damage, major framing/electrical/plumbing issues, and extensive continuity or sequencing needs. These are documentation examples, not automatic inclusions or field-service offers.
| Progressive bracket | Rate |
|---|---|
| First $25,000 | 12% |
| Next $25,000 | 9% |
| Above $50,000 | 6% |
$499 minimum total documentation fee
The estimate is prepared with the accepted F9 notes in its line items. Standard accounts pay the base estimate fee at handoff before final ESX/PDF release; approved periodic accounts follow their agreed billing and release terms.
The separate F9 percentage fee or applicable minimum is billed after you report the final carrier settlement or approval and we verify it. No upfront F9 deposit or handoff F9 minimum applies. The base estimate fee is not credited toward F9.
RCV means replacement cost value. Percentage fees use only the additional carrier-approved RCV supported through SaguaroScope’s work. The original carrier estimate is excluded. The brackets are progressive: each later rate applies only to dollars within that bracket.
How is the carrier baseline established?
Baseline Carrier RCV is the carrier’s most recent written replacement-cost amount for the same claim and substantially the same scope immediately before SaguaroScope begins percentage-based documentation work. The final approved RCV minus the baseline is the potential additional RCV, never below zero; fees use only the supported increase attributable to SaguaroScope’s work. The original estimate, deductible, previously approved scope and unrelated increases are excluded.
How is the documentation level assigned?
Assignment considers the approved scope; breadth and significance of omitted slopes, rooms, systems and finishes; disputed trades; technical complexity; code and manufacturer support; documentation quality; and the work required. Claim dollars alone do not determine the level, and no fixed percentage-of-scope cutoff applies.
Does the estimate fee reduce the later F9 fee?
No. The base estimate fee and F9 documentation fee are fully separate. The F9 fee is the greater of the applicable progressive calculation or minimum, without an estimate-fee credit. See the current pricing page for the fee basis and payment terms.
Optional · separately authorized
Carrier Technical Coordination
Carrier Technical Coordination is available by written Service Order for eligible F9 Documentation assignments and SaguaroScope-written mitigation estimates. At the client’s direction, SaguaroScope may transmit and technically explain client-approved estimates and supporting construction documentation, defend its technical estimate, correct factual scope deficiencies, respond to factual carrier-scope questions, and provide reasonable backend technical support concerning the accepted repair scope.
SaguaroScope does not accept or reject carrier payments, bind the contractor or insured, interpret policy coverage, or make settlement decisions.
01
Technical Deployment
Billed when SaguaroScope transmits the approved technical package and establishes the submission record.
02
Backend Technical Support
Applies only when SaguaroScope completes a substantive backend technical response.
Detailed project pricing is stated in the written Service Order. F9 Documentation and Carrier Technical Coordination are separately priced services.
Once the Backend Technical Support phase is earned, reasonable later technical-response rounds concerning the same accepted repair scope are included at no additional charge. Materially expanded project scope may require a written change order.
Your file checklist
What to send
- Project location, company contact, job status and the room-by-room repair scope you want estimated.
- Room dimensions, measured quantities, diagrams, and any available sketch or ESX.
- Affected materials, finishes, repair sequence and the trades involved in each area.
- Photos connected to the affected rooms and documented work, including records of any completed mitigation operations.
- The current carrier estimate if one exists, your identified omissions or disputes, and relevant invoices or project instructions.
Working from Matterport records · Preparing a floor plan or sketch
The next steps
From your records
to your review
- Send
Provide the project records and identify whether you need Estimate Only or F9 Documentation. An inquiry does not authorize work or a charge.
- Review fit
We review the complete assignment, identify missing information and confirm the workload classification or documentation level.
- Accept the order
Review the proposed service, deliverables, fee, required inputs, revisions and delivery target. Work begins after acceptance of the applicable terms.
- Prepare and deliver
We write and check the accepted scope, prepare the estimate and sketch, and return the agreed ESX/PDF deliverables. Accepted F9 notes accompany the estimate. We identify unresolved questions for your review.
- Review your file
Your company verifies the field facts and reviews the deliverables included in the accepted order. You retain approval of the final technical materials and all coverage, settlement and payment-acceptance decisions.
Before you send a file
Questions contractors ask
Who can write a Xactimate reconstruction estimate for my company?
SaguaroScope provides remote reconstruction estimate writing for contractors. We review the defined scope and supporting records, confirm the assignment and prepare the agreed estimate, sketch, editable ESX and review PDF. Files are supported nationwide subject to accepted service and scope.
What should I send for a reconstruction estimate?
Send the project location, company contact, defined scope, measurements, photos and relevant material or project records. For reconstruction, identify rooms, affected materials, assembly layers, quantities and trade sequence. Include an existing estimate or ESX if available.
Can you write the estimate without a carrier estimate?
Yes. Estimate Only can be written from a sufficiently defined contractor scope and supporting measurements without a carrier estimate. Percentage-based F9 work requires its written carrier baseline and compensation basis to be established before that documentation work begins.
What files will I receive?
An accepted reconstruction writing order includes the project estimate, corresponding sketch, editable Xactimate ESX and review PDF. Estimate Only has no F9 notes; accepted F9 documentation is added to the estimate when separately ordered. Deliverables and revisions follow the accepted order.
How much does reconstruction estimating cost?
Interior/Reconstruction Estimate Only is $299 Simple, $449 Moderate or $599 Complex. SaguaroScope confirms workload after file review. The base estimate fee and any later F9 percentage/minimum fee are separate; no estimate-fee credit applies. Specialty scope receives a confirmed quote.
How long does an outsourced reconstruction estimate take?
SaguaroScope confirms a delivery target after reviewing scope, measurements, record completeness and current capacity. Missing facts, specialty work or added scope can change the target. There is no universal turnaround guarantee.
Does SaguaroScope negotiate claims or control submission?
No. SaguaroScope does not determine coverage, represent the insured, negotiate settlements or guarantee carrier approval. Your company verifies the field facts and approves the estimate. Separately authorized technical coordination may transmit and explain client-approved materials; your company retains control of submission and homeowner communication.
Start with the scope.
We’ll confirm the next step.
Send the project details and available records. We confirm fit, service, price, required inputs and a delivery target before production. The accepted order controls deliverables, revisions and payment terms.
Reviewed October 20, 2026 · SaguaroScope Editorial