Read every post about the subject in this site and then just don't accept their nonsense talk. Are you using Xactimate or some other estimating program? If so, how are their unit prices set up: with O and P, or without? Xactimate does not include O and P. It's very easy to prove and explain. Therefore, it's appropriate to add it at the end. If they refuse to allow it at the end, just change all the unit prices to include it. Either way, you'll get the same amount.
You need to understand, and believe, that your price is the only one that matters. Their estimate is just that, and estimate. Your price is the real deal. They are required by law to pay your estimate, unless they can prove that it does not fall into the "normal" range of prices in your area.
What does that mean? That means that you can't pull an outrageous number out of the sky and demand payment. If you try to charge $2,000 per square for labor for 3 tab, it will be very easy for the insurance company to deny your estimate on the grounds that it is not reasonable. On the other hand, if you take their unit price, and add 22% (to cover the 10% Overhead and 10% Profit, cumulative), then you will certainly fall within the "normal" rates for your area.
Also, add in EVERYTHING about your roof and accessories. Add every little detail. It all adds up, especially after you apply the O and P.
One other "attitude" might help you get your "estimates" approved. Somehow, if you can convey to the adjuster that you intend to collect the entire legitimate RCV, even if you have to sue your customer, they seem to understand a little better about how serious you are about protecting your profit margin. It's a bit radical, but realistic if you think about it. If they've signed a contingency deal to allow you to do the work for the RCV, including any applicable supplements, doesn't it make sense that you could march into court and win a suit with your legitimate estimate? Logically, the insurer understands that if you sue your customer, and wins, they will sue the insurer and win. Guess who ends up paying ALL the legal costs?
So, the question remains, is your estimate legit? If so, why are you afraid to stand up for it? How far are you willing to go to stand up for your rights? I've decided that I'll take it to the wall. So far, every adjuster has seemed to understand that I'm serious about my estimate and that I intend to fight the battle as far as I need to to get it paid; and they have approved my supplement requests.
One little tidbit that might be helpful for y'all to know. Here in TX, if a claimant files a lawsuit because the insurer didn't pay the claim fair, the lawyer's fees are paid out ON TOP of the damage estimate. NOT ONE PENNY comes out of the damage claim. FURTHERMORE, the claimant, is entitled to TREBLE DAMAGES!!!! The lawyer that explained that to me says that he takes his fees out of the treble damages. In addition to the treble damages, the insurance company will also have to reimburse the lawyer for his fees and expenses. My lawyer didn't specifically say that this same program works in other states but we were sitting in TX when we discussed all this.
Can you see the box that the insurer puts himself in when they deliberately underpay a claim? Why do they do it? Very simple....it's a number's game. They know that if they intentionally underpay 99% of the claims (I believe Larry's number), that when all things are said and done, they will be BILLIONS ahead because of the number of people who cave in and accept their pitiful offerings. The actual number of people who hire a lawyer and sue are very small in relation to the number of people who file claims and then accept the underpayment.
I give credit to Larry and the others on this particular site for opening my eyes. Ever since I've made up my mind to get paid fair, because of what they've taught me, I've gotten paid fair. You can get paid fair too, but you will have to demand it and be ready for action.