The lowest entered total is not a quality or coverage decision.
Begin with matching scope
Before comparing totals, identify whether both proposals cover the same rooms, materials, quantities and outcome. Check contents handling, storage, waste disposal, assessments, drying documentation, repair finishes and taxes. If a line is missing, write a question; do not assume it is included or enter an unknown as zero.
This tool performs arithmetic on your amounts. It does not assess workmanship, verify a contractor, interpret insurance or recommend the lower total.
Understand the calculation
For each proposal, the tool adds your base amount and other entered charges, then applies your chosen contingency and tax percentages to that sum. Tax is applied to the entire scenario, including the contingency allowance. Use that approach only if it matches the comparison you intend; confirm actual tax treatment separately.
(base + other charges) × (1 + contingency ÷ 100) × (1 + tax ÷ 100)
Compare your entered proposals
Resolve the differences before choosing
| Difference | Question to send back |
|---|---|
| One proposal includes storage | For how many items, where, for how long and at what ongoing charge? |
| An allowance replaces a fixed amount | What is assumed, and how will the final amount be agreed? |
| A repair area is excluded | Who will assess and price it, and does it affect the rest of the work? |
| Completion records are unspecified | Which reports, inspections, warranties and outstanding-item records will be supplied? |
Use one scope revision for the final comparison. Keep the earlier versions so you can explain how the agreed work and total changed.
Keep the final decision broader than the total
Review qualifications relevant to the scope, the written contract, payment milestones, exclusions and the method for approving changes. Ask the insurer about its own requirements where a claim is involved. Read the estimate disagreement guide if two parties are pricing different work, or use the scope register guide to organize the missing information.
Sources and further reading
Reviewed October 11, 2026. Follow the source’s current guidance and the instructions for the actual property.