Think of estimates to be 4 fold. There are damage estimates and upgrade estimates. Both of these can be split into customer pay and insurance company pay. If the money is coming out of your own pocket chances are you can arrange a "Low or NO" fee for an estimate. If it is for a insurance claim you will be charged. In reality the insurance company will be charged (less your deductable)for the work being performed, including the estimate. I have been in service and construction on both the retail and commercial end and this "rule of thumb" holds true. If you are looking to upgrade the engine on your Harley or put in new kitchen cabinets most companies will not charge you for a estimate the do the work. If you are getting an estimate (for insurance purposes) on your hail damaged roof or your crashed sled you will be charged. Keep in mind that you are under the directive of your insurance campany on who/what /where/when your item will be repaired and paid for. I do construction bidding now and I will tell you that I give alot of my time away doing bids for my customers. It's even worse now because they invite 10-13 companies to bid on one project when it use to be just 3 contractors. I have used the phrase " We contractors are just a comodity in todays economy". Price is the only thing that drives the decisions made. Not a balance of price and quality. The insurance estimate you recieved should be so complete that you could personally go up to the parts counter and order all of the parts listed to make repairs. If it is not, the estimate is not worth the paper it is printed on and you shouldn't, nor the insurance company, pay for it.