Before you sign, know what the estimate actually says.

Up to thirty-two checks against the estimate’s own arithmetic, the deposit limit your state sets by statute, the federal standards that apply to the equipment, and published national price ranges. Every one named below. HVAC, roofing, windows, plumbing, electrical.

Quote 1 — HVAC changeoutCalifornia
Contract price$14,850
Deposit at signing$4,000
Statutory cap$1,000
Finding. California caps a home improvement down payment at the lesser of $1,000 or 10% of the contract price. This estimate asks for $4,000. The cap is set by the contractor’s own licensing statute, and citing it is a one-line email.
$3,000.00 — not payable at signing

How it works

Upload what you have, answer three questions, and get the report and a drafted email back in a few minutes.

  1. Upload every estimate you have

    One quote works. Two or three unlock the comparison checks, which are the strongest price evidence in the report because they are your own market rather than a national average.

  2. Tell us the trade, your state, and where you were quoted

    Three taps. The state decides which deposit statute and which federal efficiency minimum apply; where you were quoted decides whether the federal three-day cancellation right attaches at all.

  3. Pay $49

    One payment, no account, no subscription.

  4. We read the estimates into figures, then check the figures

    Two separate passes. Reading and judging are kept apart on purpose — every conclusion is arithmetic or a written rule, run the same way on every report.

  5. Report and drafted email, in your inbox

    Findings ordered by how firmly they are proved: arithmetic on the estimate first, then statutes and federal standards, then the contract gaps, then the price comparison. Plus an email to each contractor, in your voice, asking rather than accusing.

Every check, named

Twenty-six run on any estimate. The rest depend on the trade. Your report says exactly which ran, which could not, and why — a check you never hear about reads as a check that passed, and it is not.

The estimate’s own arithmetic

Six checks. Nothing here is a matter of opinion — it is the contractor’s own paper disagreeing with itself.

01The priced line items add up to the contract price
02Quantity times unit price equals the amount on each line
03Subtotal plus tax, less any discount, equals the contract price
04The tax charged matches the tax rate the estimate prints
05The deposit matches the percentage the estimate claims it is
06The payment schedule adds up to the contract price

Deposits and payment structure

Two checks. In California, Nevada, Maryland, Massachusetts and Pennsylvania the deposit limit is a number in a statute and we test against it with the citation. Everywhere else there is no statutory cap, we say so, and the comparison is customary practice.

07The deposit is within your state’s statutory limit, or within customary practice where no statute sets one
08More than half the price is held until work is done

What the contract does and does not protect

Eleven checks on terms that cost nothing to add before you sign and cannot be added after.

09The estimate carries a contractor licence number you can look up
10The estimate says when the work will be finished
11The estimate says who pulls the permit
12Extra work needs your written approval before it is charged
13Labour and materials warranties are stated separately
14The contract addresses mechanics liens
15The contractor states liability and workers compensation cover
16The estimate itemises what you are paying for
17Allowance lines are flagged as the change orders they usually become
18The estimate says what it does not cover
19Removing and disposing of the old equipment is in the price

Federal rules and sales practice

Four checks against things that are not printed on your estimate and cannot be found by reading it.

20A contract signed at your home carries the three-day cancellation notice
21Any tax credit the estimate promises still exists
22The price is not conditioned on signing immediately
23Any financing offered states its rate

Price

Three checks. Read the section below on what a published range can and cannot tell you before you weigh these.

24The unit price sits inside published national cost ranges
25Your competing quotes are compared against each other
26Your quotes are compared on scope, equipment and warranty, not just price

HVAC only

Six more checks, for thirty-two in total on an HVAC estimate.

27Both halves of the system are being replaced together
28The equipment meets the federal minimum efficiency for your region
29You know which refrigerant generation you are buying
30The system size is plausible for the house
31A load calculation is behind the equipment size
32The estimate says what happens to the refrigerant line set

Roofing only

Three more checks, for twenty-nine in total on a roofing estimate.

27The estimate says whether the old roof comes off
28The estimate specifies the parts of a roof that leak
29The price for replacing rotten decking is agreed in advance

Windows only

Two more checks, for twenty-eight in total on a window estimate.

27The estimate says which kind of window installation you are buying
28Trim and exterior capping are in the price

Plumbing and electrical estimates run the twenty-six general checks. There is no trade-specific set for them because the work is too varied for one to be honest — a repipe and a water heater swap have almost nothing in common. Where the job is a standard tank or tankless water heater, or a 200-amp panel upgrade, the published price range still applies.

Fix before you sign Fix before work starts Verify yourself

Every finding carries one of these, and the figure it rests on.

A sample report

Figures changed. Each finding names the check it came from and what that check measured.

The deposit is within your state’s statutory limit — failed

$3,000.00

California caps a home improvement down payment at the lesser of $1,000 or 10% of the contract price.

10% of $14,850.00 is $1,485.00, so the cap is $1,000.00. This estimate asks for $4,000.00 at signing.
California Business and Professions Code section 7159.5(a)(3)

Fix before you sign

Quantity times unit price equals the amount on each line — failed

$200.00

One line does not multiply out.

“Installation labour”: 16 at $145.00 is $2,320.00, but the line reads $2,520.00. Both figures are printed on the estimate.
Ran on the estimate’s own figures

Fix before you sign

Any tax credit the estimate promises still exists — failed

The estimate says “ask us about your $2,000 federal energy tax credit”. That credit ended for property placed in service after 31 December 2025.

26 U.S.C. section 25C was terminated by the reconciliation act enacted 4 July 2025. Work installed in 2026 does not qualify. Ask for the price without it.
Checked against federal law, not against your document

Fix before you sign

The unit price sits inside published national cost ranges — outside

$4,650.00

$14,850.00 across 3 tons is $4,950 per ton installed. Published national guides put a changeout on existing ductwork at $1,400–$3,400 per ton.

A national range is not a quote for your house. Ductwork, electrical upgrades and difficult access all sit above it legitimately — so this is a question to ask, not a conclusion, and the report says so.
Consolidated 2026 published national cost guides

Fix before you sign

Both halves of the system are being replaced together — failed

The quote replaces the outdoor unit and leaves the indoor coil in place.

A SEER2 rating belongs to a matched pair, not to a condenser. Most manufacturers will not honour the compressor warranty on an unmatched installation.
Ran on what the estimate does and does not say

Fix before you sign

The report also names every check that passed, with the figure that satisfied it, and every check that could not run, with the reason. Twenty-nine of thirty-two ran on the estimate above.

One flat price. Refunded if we cannot do the work.

$49, whatever you upload and however many quotes you send.

If your documents do not let us run 60% of the checks, we refund you automatically.

A photograph of a handwritten quote with no legible total gives us a report made almost entirely of contract-terms findings. That is worth reading, and it is not what you paid for. So the report still comes to you, and the charge goes back without you having to ask for it — your report says how many checks ran, out of how many apply to your trade, and what would have raised the number.

Most estimates are mostly fine. That is worth having in writing too. Where nothing is flagged, the report names every check that ran and the figure it was measured against — a document you can put in your own file before you hand over five figures.

And if the job is small, do not buy this. Under about $2,000 the findings are worth less than the report: a deposit cap on a $900 water heater is a few hundred dollars at most, and the contract terms matter less when the work is done in a morning. Spend the time on a second quote instead — it is free, and it is better evidence than anything we can give you. This is built for the job where being wrong costs five figures.

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What this does not do

Read this before you upload. It is the part most of this page is for.

  • We do not tell you a contractor is overcharging. Nobody publishes what your job should cost in your town this month. What we have is a set of published national installed-cost ranges, and the strongest thing they support is “this falls outside every one of them” — which is a question worth asking, not a verdict. The only real comparison is a second bid on the same scope, which is why the report pushes you towards one.
  • We do not check your contractor’s licence for you. We read the number off the estimate and send you to your state’s board to look it up, because a licence status is only worth anything read today, and looking it up yourself also shows you the bond, the insurance and any complaint history.
  • We do not contact your contractor. We draft the email. You read it, change it, and send it under your own name.
  • Not every check runs on every estimate. A lump-sum quote with no line items switches off the arithmetic checks. Your report names each one that could not run and what was missing, and if fewer than 60% ran we refund you.
  • Automated analysis, not legal or construction advice. Every finding shows its arithmetic or names its rule, so you can check it yourself and take it to your contractor, your building department, or an attorney.

Questions

What if I only have one quote?
Twenty-four of the twenty-six general checks still run, plus the trade-specific ones. The two you lose are the comparison checks, and your report says so by name. If you can get a second quote before you sign, it is the single most useful thing you can do — more useful than this report.
Why do you need my state?
Five states cap a home improvement deposit by statute and New York regulates where the money is held. The federal minimum efficiency for a split-system air conditioner is different in the north than in the south. And the licensing board you would look a contractor up at is different everywhere. None of that is on your estimate.
Do you tell me whether the price is fair?
Not in those words, because we would be guessing. We divide your price by the thing it is priced per — tons of cooling, roofing squares, a window count — and say where that falls against published national ranges, with the source named and the caveats stated. Then we compare your quotes against each other, which is the comparison that actually means something.
What if my estimate is just one number with no breakdown?
That is itself a finding, and one worth having: a lump sum cannot be compared, negotiated or disputed line by line. The arithmetic checks will be skipped and named as skipped. If enough of them are skipped that we fall under 60% coverage, you are refunded automatically.
My job is only a couple of thousand dollars. Is this worth it?
Probably not, and we would rather say so here than take the $49. The findings scale with the job: a deposit over a statutory cap on a $900 water heater is worth a few hundred dollars at most, and a missing completion date matters less when the work takes a morning. Under about $2,000, get a second quote instead. That costs nothing and it is better evidence than a national cost range. Come back when the number has five figures in it.
Will this work for a trade you do not list?
Pick “something else”. The twenty-six general checks run on any home improvement estimate — arithmetic, deposit, contract terms, sales practice. You will not get a trade-specific set, and the report will not pretend you did.
I have already signed. Is it too late?
Not necessarily, and the report says which findings survive a signature. A deposit over a statutory cap is still over the cap. If the sale was made at your home and you were never given the three-day cancellation notice, the clock generally has not started. Change orders and warranty terms are the ones that get much harder after signing, which is why they are marked that way.
How do I know you are not just an AI opinion?
Because the findings are not written by one. Reading your documents and judging them are two separate passes: the first copies the figures, the second runs a fixed list of checks over them in code. Every finding shows you the arithmetic or names the statute. Where a finding rests on a published range rather than a rule, it says so in those words. The only part written by a model is the opening summary, and it is given the findings, not your documents.
What if you find nothing?
Then you get that in writing, with every check named and the figure it was measured against. Most estimates are mostly fine, and knowing which twenty-nine things were checked before you hand over five figures is the thing you paid for. If fewer than 60% of the checks could run, that is a different result and you are refunded for it automatically.
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