1. Withheld ("recoverable") depreciation
On replacement-cost policies the carrier pays depreciated value first and owes you the rest after you repair or replace. Many people never collect it. Calculate yours →
2. Contractor overhead and profit (O&P)
Repairs involving multiple trades typically warrant 10% overhead plus 10% profit. First estimates often leave it off.
3. Forgotten contents
People remember the TV and forget the closet. A room-by-room inventory routinely adds thousands. Build yours free →
4. Code upgrades and hidden damage
Rewiring to current code, matching undamaged materials, smoke behind walls, moisture under floors. Scope that only shows up when someone looks.
5. Loss of use / ALE
Hotels, rent, meals, mileage while displaced. It's a separate coverage, and it's on you to track it.