Contractor reviewing building plans

About Us

Construction Reality vs.
Insurance Theory

Many contractors can swing a hammer, but few understand the complex language of insurance claims. At HIP Contractors, we specialize in bridging the gap between what it actually costs to build and what the insurance software thinks it should cost.

Led by Sherman Davis, a professional with deep expertise in Xactimate pricing and policy structure, we identify the "leakage"—legitimate costs like Overhead & Profit, code upgrades, and material price spikes—that are often missing from your initial estimate.

  • Dual-Licensed Expertise (GC & Adjuster knowledge)
  • Expert Xactimate Estimate Reviews
  • Full Restoration Services
Read More About Our Approach

Our Services

We combine top-tier construction skills with expert claim negotiation.

Residential Construction

Complete restoration services performed to code and manufacturer specifications.

  • Roofing (Full R&R)
  • Exterior Restoration & Siding
  • Interior Recovery & Drywall
  • Flooring & Fencing

Insurance Claim Advocacy

We fight for the missing line items to ensure your project is fully funded.

  • Expert Estimate Review
  • Supplement Management
  • Code Compliance Checks
  • Overhead & Profit (O&P) Recovery

How It Works

The HIP Contractor process ensures transparency and quality.

1

Inspection

We inspect your property and review your initial insurance scope.

2

HIP Estimate

We generate a detailed estimate accounting for real market labor rates.

3

Advocacy

We submit supplements for missing items like O&P and debris removal.

4

Restoration

Our crews get to work, restoring your home to pre-loss condition.

5

Completion

We handle final invoicing and recoverable depreciation paperwork.

Stop Leaving Money on the Table

Your insurance carrier has experts working for them. You should too. Let us review your estimate today.

Contact Sherman Today