Fire damage house

[Dylan Grieve]

Hi BP community-

I've been emailing people who've had recent fire damage to their homes, and have recently started talking to someone who's property is paid off, and the fire damage was estimated by the insurance company to be 145k.

After researching comps, I've estimated the ARV at 135k. This seems like it obviously isn't a deal, but speaking to those of you who are more experienced and/or more creative, is there something I could be missing?

Perhaps the insurance company overestimated repair costs?

Any insights/advice is greatly appreciated!