Overhead and Profit, often shortened to O&P, is a line item that may appear in an insurance estimate when a project requires contractor coordination beyond a simple repair.
Why It Matters
Exterior projects can involve roofing, siding, gutters, windows, trades, materials, scheduling, and supervision. O&P is one way insurance estimating may account for that complexity.
Common Problems
Homeowners may not know why O&P appears, why it is missing, or whether it applies to their claim. The answer depends on the carrier, scope, policy, and project details.
Exterior Echelon Notes
Exterior Echelon can explain the exterior work involved, but insurance estimate decisions and policy interpretations should be confirmed with the carrier or adjuster.
