Underwriting worksheet — No. 10
Contractor bid analyzer
Enter a contractor's line items and the bid gets read back against regional trade averages — which lines are fair, which are padded, and what number to ask for instead.
Total potential saving
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The amount priced above the regional average on the flagged line items. That is the money on the table before you sign, and everything below is the arithmetic behind it.
Project basis
Region sets the cost table every line is measured against.
Reference figure for scoping. Each line item carries its own quantity below.
Schedule of bid line items
Add or remove lines; every figure on this page restates immediately.
Bid reconciliation
All figures rounded to the dollar.
Verdict
Line by line
Bid against average, per line, with the rating that follows.
Where the money sits
Share of the quoted bid by category.
Negotiation cheat sheet
Lines more than 15% above average, and the number to counter with.
Regional averages are planning benchmarks, not quotes. Real pricing moves with scope, access, permits, material grade, and how busy your trades are. Verify every number with local bids before you sign anything. This tool does not give tax, legal, or investment advice.
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