Can you clarify further the difference between a scope of loss and an estimate? I feel like my insurer went straight to the estimate without sharing a detailed scope. How long and how in-depth should the scope be?
A scope of loss is typically more detailed than an estimate; A scope of loss details the materials, quantities, and range of work needed to repair/rebuild what you had prior to the fire. An estimate, or bid, adds in prices for each line item. Ask them how they determined the estimate. The first paragraph on this publication contains an example of a scope of loss – they can vary in length – https://uphelp.org/claim-guidance-publications/the-scoop-on-scope-of-loss/