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We provide a detailed report produced in either Xactimate® or our own proprietary estimation software (your choice) that you will use to negotiate a fair settlement. Our estimate includes code upgrades, labor, materials and trade details as well as documentation, white papers and more describing the building environment of your local area.

Initially, we worked with United Policyholders to design a report that could be affordable and effective. Today, we continue to support their efforts. We have donated over $9,000 to their cause to date to their mission to educate people after disasters. This fall, we hope to launch a new initiative with them to further reduce cost, time and frustrations of claims settlement.


We use up-to-date, local material and labor costs for your specific area. It is normal that after a disaster, strong inflationary pressures force prices up on materials and labor. For example, in Santa Rosa, between January and May of 2018, material costs rose 32% due to supply and demand caused by the October 2017 North Bay fires

We often see insurance company estimates that do not account for demand surge pricing or code upgrade expenses. We create a report to more accurately reflect those and all your expected rebuild costs.

As we are paid a flat fee, you don't have to worry we will inflate the costs for our benefit. We have performed hundreds of hours of pro-bono work. We're nice guys. We like helping. When a client calls and says their claim is settled and they got all their money, that is the most satisfying thing in the world for us.

Our reports are compiled by a California licensed contractor who is has built homes most of his adult life and is currently building his own. We can use Xactimate® software, a format insurance companies can understand, or our own proprietary software (BW Estimator®)  in order to properly reflect what it will cost to rebuild. Because we use a licensed contractor and our figures are accurate, insurance companies have failed to find any reason they can't accept our reports as accurate. This speeds up your claims process and gets your money released fast, without the frustrations, delays and agonizing back and forth for what can sometimes be many years.

The cost of our report will vary depending on the project. Prices begin at $1,500 up to as much as $8,000 for complex builds. Factors such as size, complexity of the home and the type of data and specifications available for the home all go into the cost of your estimate. We can provide "Code Upgrade" only reports, partial reconstruction reports and full loss reports. We will give you a price quote before signing any contracts. We begin work upon receipt of signed contract and deposit and we can usually have the estimate completed within 4 weeks. 

"BW Builder came up to Paradise, saw our property and gave us a scope of loss report that allowed us to settle properly with our company. Without their help, we'd have been completely lost. Thank God that they were able to help us!"- Rosie A. - Paradise, CA