Before you begin
Organize the inputs behind a rebuild-cost estimate; do not substitute market value for reconstruction cost.
Your entries are not submittedThis worksheet runs in your browser. Print it, save it as a PDF, or copy the notes into your own secure records.
Dwelling Limit Worksheet
| Done | Item and purpose | Your notes |
|---|---|---|
| Finished square footage Verify the structure size used by the estimator. | ||
| Construction type Record frame, masonry, roof, exterior, and foundation details. | ||
| Local labor and materials Ask how current local reconstruction costs are reflected. | ||
| Interior quality Note kitchens, baths, flooring, built-ins, and custom finishes. | ||
| Attached features Include attached garage, porches, decks, and permanent structures. | ||
| Debris removal Check whether the estimate and policy address debris costs. | ||
| Code upgrades Review ordinance or law coverage for required upgrades. | ||
| Inflation protection Record automatic increases and when they apply. | ||
| Replacement extension Note any extended or guaranteed replacement provision and conditions. | ||
| Evidence Keep the estimator, measurements, photos, and renovation receipts. |
How to finish the review
- Mark uncertain answers instead of guessing.
- Attach the quote, declarations page, and form or endorsement that supports each answer.
- Ask the agent or carrier to resolve differences in writing.
- Repeat the same fields for every quote so price is compared on equal terms.