How to use this ROM
A ROM (Rough Order of Magnitude) gives a directional cost range before detailed scoping or contractor bids are available. It is not a final estimate, but a fast way to gauge budget and spot obvious gaps in a carrier’s number.
Use it to set expectations, prioritize inspections, and decide which areas need deeper documentation before negotiations start.
Best for
- Quick budgeting
- Cross-checking carrier estimates
- Understanding cost ranges
- Highlighting discrepancies
- Supporting supplement requests
Input the loss details
Capture the essentials for a directional estimate. All fields are static for planning purposes.
Damage Description
Property Area
Material & Labor Factors
Generate Rough Order of Magnitude
Use these inputs to create a directional cost band. This is a static UI — calculations are not automated yet.
Estimated Range
Use these numbers as a directional band until detailed quantities and assemblies are confirmed.
Low
$8,500
High
$14,200
Range accounts for unknown scope, material substitutions, and regional labor variability.
Materials
- Core assemblies (roofing, drywall, flooring)
- Finish levels aligned to selected grade
- Fasteners, adhesives, sealants
- Allowances for code upgrades
Labor
- Trade labor time based on intensity selection
- Mobilization and setup
- Access constraints or protection
- Cleanup and punch list
Specialty Trades
- Mitigation (drying, mold containment)
- Mechanical, electrical, plumbing impacts
- Structural or engineering oversight
- Debris hauling and disposal
Export Estimate
Create a shareable record for your claim file or attach to supplement requests.
Use with these tools
Pair the ROM output with downstream checklists and documentation tools.
Evidence Organizer
Centralize photos, receipts, and mitigation records to support your range.
Claim Playbook
Step-by-step actions to negotiate around under-scoped carrier numbers.
Document Generator
Draft cover letters, supplement requests, and evidence summaries.
Claim Analysis Tools
Compare carrier estimates and flag missing line items before you counter.
Claim Timeline
Track deadlines and inspection milestones tied to each cost assumption.
AI Response Agent
Draft quick responses to carrier requests using your ROM assumptions.