What's the difference between a remote estimate and an on-site estimate?

A remote estimate is built from photos, scope notes, and documentation you provide. It's faster and works for most cases. An on-site estimate means we walk the property ourselves — required when the case may need to be defended in court.

Do I need an on-site inspection for my case?

Not for most cases. We help you decide on the discovery call based on the disputed amount, the carrier posture, and what the case looks like. If we tell you a remote estimate is enough, that's because it actually is.

Are you available outside Florida?

For on-site work, no — we only inspect properties in Florida. For remote estimates, we work nationwide. Florida-specific compliance documentation is included by default for Florida losses.

How fast can you turn one around?

Remote estimates ship in 24–48 hours. Estimates that require an on-site inspection ship in 5–10 business days. Same-day estimates are possible for emergencies — call us and we'll figure out what's possible.

Do you work in Spanish?

Yes. The whole team is bilingual. Reports, calls, and supporting documentation — same quality in either language.

Why don't you publish your prices?

Because the right number depends on what you actually need. A small supplement and a large commercial fire claim are not priced the same, and any number we publish would be wrong for half the cases. Send us your case; we'll quote it within 24 hours.

Terms and Conditions

Last Updated: May 08, 2026

1. Acceptance of Terms

By accessing or using the website located at www.worldclassestimates.com (the "Site"), requesting a quote, submitting case materials, or engaging WorldClass Estimates LLC ("WCE," "we," "our," or "us") for any service, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, do not use the Site or our services.

These Terms apply to every visitor, prospective client, and active client in the United States, regardless of the state in which you reside or practice.

2. Who We Are

WorldClass Estimates LLC is a Florida limited liability company that provides property insurance estimating services. We prepare detailed, defensible repair and restoration estimates for use in property insurance claims. Our clients are licensed public adjusters, attorneys, restoration companies, and litigation funding companies.

WCE is not a licensed public adjuster, not a law firm, and not an insurance company. We do not adjust claims, provide legal advice, or issue insurance policies.

3. What WCE Does — and What WCE Does Not Do

What we do. We prepare Xactimate estimates, supplemental estimates, reinspection reports, expert reports, and related estimating products based on the information and documentation our clients provide. Our work product is an estimate — a professional opinion of the cost to repair or restore damaged property, prepared in accordance with industry-accepted standards and methodologies.

What we do not do. We do not guarantee claim outcomes, settlement amounts, or litigation results. An estimate is not a promise of payment by any insurer. We do not provide legal advice, adjust claims on behalf of policyholders, or act as expert witnesses unless separately engaged under a distinct expert-witness agreement.

4. Eligibility

Our services are available only to professionals operating in the property insurance and restoration industries, including licensed public adjusters, attorneys, restoration companies, and litigation funding companies. By engaging WCE, you represent that you are authorized to act on behalf of the entity or policyholder for whom the estimate is being prepared.

5. Service Modalities

WCE delivers estimating services through two primary modalities:

Desk Estimate. We prepare the estimate remotely using documentation, photos, measurements, and data provided by the client. The client is responsible for the accuracy and completeness of the materials submitted. A desk estimate does not include a physical site visit by WCE.
On-Site Inspection and Estimate. Where available, WCE personnel physically inspect the property, take measurements, document conditions, and prepare the estimate based on first-hand observation combined with any client-provided materials. On-site inspections are currently available only in the State of Florida (see Section 7).

6. Quotes and Engagement

Before work begins, WCE provides a written quote describing the scope, deliverables, timeline, and price. Work does not commence until the client accepts the quote and, where applicable, submits the required deposit.

A quote is valid for the period stated on its face. If no period is stated, the quote is valid for fourteen (14) calendar days from the date of issuance. WCE reserves the right to revise a quote if the scope of the engagement changes materially after acceptance.

7. Florida-Only On-Site Inspections

On-site inspection services are currently offered only for properties located in the State of Florida. Availability is subject to scheduling, travel logistics, and WCE staffing. WCE may decline an on-site inspection request at its discretion. If an on-site engagement is accepted and later cannot be performed due to circumstances beyond WCE's control (e.g., access denied at the property, unsafe conditions, force majeure), WCE will offer to convert the engagement to a desk estimate or issue a refund of any unearned deposit.

8. Revisions

Each engagement includes one (1) round of revisions at no additional charge, provided the revision request:

Is submitted within thirty (30) calendar days of delivery of the original estimate.
Does not change the scope of the original engagement (e.g., adding rooms, structures, or damage categories not in the original quote).
Is based on the same set of facts and documentation originally provided.

Additional revision rounds, scope expansions, or revision requests submitted after the thirty-day window may be quoted as new work at WCE's standard rates.

9. Payment, Methods, and Cancellation

9.1 Pricing

All prices are quoted in U.S. dollars. WCE's pricing is engagement-specific and based on the scope, complexity, and turnaround time requested.

9.2 Accepted payment methods

WCE accepts payment via ACH bank transfer, credit card, debit card, wire transfer, Zelle, and company check. Payment instructions are included on each invoice.

9.3 Payment terms

Unless otherwise stated on the invoice, payment is due upon delivery of the completed estimate. For on-site inspections, a deposit may be required at the time of scheduling; the balance is due upon delivery. Invoices unpaid after thirty (30) days from the due date may accrue a late fee of one and one-half percent (1.5%) per month, or the maximum rate permitted by Florida law, whichever is less.

9.4 Cancellation and refunds

Before work begins. You may cancel an engagement at any time before WCE begins work and receive a full refund of any deposit paid.
After work begins. If you cancel after WCE has begun work, WCE will invoice for work completed through the date of cancellation at its standard rates. Any deposit paid will be applied against the amount owed.
After delivery. No refund is available after the completed estimate has been delivered to the client.

10. Confidentiality and Non-Disclosure

All case materials, documentation, and information you provide to WCE in connection with an engagement are treated as confidential. WCE will not disclose your case information to any third party outside the engagement without your prior written consent, except where required by law, subpoena, or court order.

A formal Non-Disclosure Agreement (NDA) is available at no cost upon request. Contact estimator@worldclassestimates.com to request one.

11. Standards and Compliance

WCE prepares estimates in accordance with:

Xactimate industry-standard estimating software, using current pricing databases.
IICRC S500 (water damage), IICRC S520 (mold), and IICRC S540 (trauma/crime scene) standards where applicable.
OSHA safety and hazardous-material handling guidelines where applicable.
Florida Building Code and relevant local building codes.
Daubert and Frye evidentiary standards when the estimate is intended for litigation use (expert reports only).

Compliance with these standards does not guarantee any particular outcome in a claim or case. It means that our methodology is consistent with what is generally accepted in the property insurance estimating profession.

12. Intellectual Property

All estimates, reports, and work product delivered by WCE are the intellectual property of WCE until full payment is received. Upon receipt of full payment, WCE grants the client a non-exclusive, perpetual, royalty-free license to use, reproduce, and distribute the delivered work product in connection with the insurance claim or legal matter for which it was prepared.

WCE retains the right to use anonymized and de-identified data from engagements (e.g., aggregate pricing data, scope patterns, regional loss statistics) for internal research, training, and improvement of its services. No client-identifying or case-identifying information will be used externally without consent.

13. Limitation of Liability

To the maximum extent permitted by Florida law:

WCE's total liability arising out of or in connection with any engagement — whether in contract, tort (including negligence), strict liability, or otherwise — shall not exceed the total fees paid by the client to WCE for that specific engagement.
In no event shall WCE be liable for indirect, incidental, consequential, special, or punitive damages, including but not limited to lost profits, lost claim proceeds, diminished settlement value, or litigation costs, regardless of whether WCE was advised of the possibility of such damages.
WCE is not liable for errors, omissions, or inaccuracies in the estimate that result from incomplete, inaccurate, or misleading information or materials provided by the client.

14. Disclaimers

No guarantee of outcome. An estimate is a professional opinion of repair cost. It is not a guarantee that any insurer will pay the estimated amount, that a court or trier of fact will accept it, or that the client will achieve any particular settlement or verdict.
No legal advice. Nothing in our work product or communications constitutes legal advice. Clients should consult their own legal counsel regarding claim strategy, litigation decisions, and legal obligations.
No insurance advice. WCE does not interpret insurance policies, coverage provisions, or exclusions. Our estimates address the cost of repair, not whether a loss is covered.
As-is information. The Site and its content are provided "as is" and "as available." WCE makes no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

15. Indemnification

You agree to indemnify, defend, and hold harmless WCE, its members, managers, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

Your use of the Site or our services.
Your breach of these Terms.
Your violation of any law or regulation.
Any dispute between you and a third party (including an insurer, policyholder, or opposing party) related to an estimate or work product prepared by WCE.

16. Third-Party Links

The Site may contain links to third-party websites, tools, or services. WCE does not control and is not responsible for the content, privacy practices, or availability of those third-party sites. Inclusion of a link does not imply endorsement. Your use of third-party sites is at your own risk and subject to those sites' terms and policies.

17. Modification of Terms

WCE may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. If the changes are material, we will provide additional notice (such as an email to active clients or a banner on the Site). Your continued use of the Site or our services after the revised Terms are posted constitutes your acceptance of the changes.

18. Governing Law and Venue

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising under or in connection with these Terms or any engagement shall be brought exclusively in the state or federal courts located in Osceola County, Florida, and you consent to the personal jurisdiction of those courts.

19. Severability and Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. WCE's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

20. Entire Agreement

These Terms, together with the Privacy Policy, any executed engagement letter or quote acceptance, and any Non-Disclosure Agreement, constitute the entire agreement between you and WCE with respect to the subject matter hereof and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.

21. Contact Us

For questions about these Terms and Conditions, contact us:

WorldClass Estimates LLC 722 Patrick St, Suite 102 Kissimmee, FL 34741 United States

Email: estimator@worldclassestimates.com Phone: (305) 224 1018 · (321) 314 2220 Web: www.worldclassestimates.com