The insurance adjuster's estimate for property damage as a result of the Aug. 2014 South Napa Earthquake specifies a "price list" as CAEB8X_NOV14. I surmise it is a California list for Nov. 2014 (the estimate is dated 12/17/2014). My question is: what does EB8X mean? The UP article on understanding estimates indicates this should be a geographical area (e.g., an SD designation means San Diego). EB might mean East Bay region of San Francisco, I guess -- except that no one considers Napa to be East Bay. And what does 8X mean? The estimate I have received is riddled with errors and omissions and totals less than 1/2 of the bid amount a reputable local contractor his given me for repairs. I am trying to figure out what could be causing the discrepancy (in addition to the obvious errors and omissions related to specific damage). Thank you for your help.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.