New Beginnings Construction explains why they do not write insurance estimates for storm damage claims in Charleston. While homeowners often request estimates for insurance, the roles of contractors and insurance companies are distinct. Insurance estimates, created by carriers using software, are not construction plans and can be incomplete. Contractors risk legal issues by writing estimates, as they are not licensed public adjusters. The company emphasizes that they provide proper construction scopes based on visible damage and code requirements, ensuring homeowners avoid claim denials and improper repairs. Understanding these differences protects homeowners and ensures quality restoration.