Overhead & profit (O&P)
10-and-10 math plus the three-trades test.
General · Calculator
Free · no login
Product overview
Figure general-contractor overhead and profit on an estimate and check the classic eligibility question in one pass. Check off the trades the repair involves, enter the subtotal, and you get the overhead and profit dollars, the loaded total, and a read on the three-trades rule of thumb — three or more coordinated trades customarily warrant GC involvement, and with it O&P. Reach for it when a supplement dispute turns on whether “10 and 10” belongs on the claim and what it's actually worth in dollars.
The standard convention is “10 and 10”: overhead and profit are each figured as a percentage of the estimate subtotal — not compounded on each other — then added on top. A $40,000 subtotal at 10 and 10 carries $4,000 overhead and $4,000 profit for a $48,000 total. Eligibility is the argued half: the three-trades test says a repair coordinating three or more trades warrants a general contractor. It is a rule of thumb, not policy language — the substantive question is whether the job needs GC-level supervision and scheduling. If the carrier depreciates O&P, the tool also shows the ACV impact of that withholding.
Product details
- Sold by
- Mensuria
- Product category
- Free field tool · Calculator
- Delivery method
- Web app · no login
- Cost
- Free
Highlights
- Deterministic — the same inputs give the same result, every time.
- Built for the trade, sized to feed Xactimate line-item quantities.
- Free — no login, no card.
- Works from a phone at the loss.
Vendor insights
Mensuria writes a neutral scope built to survive review — every line item sourced to a photo, anything unprovable held back and flagged for you. It never files the estimate; a licensed adjuster confirms every line and stays the adjuster of record. Mensuria is independent and not affiliated with Verisk or Xactimate; “Xactimate-ready” means the worksheet is organized for Quick Entry.
Pricing
This tool is free — no login, no card. The full scope-drafting product is priced below; your first claim is free.
Details
Delivery method
Mensuria is a web app — nothing to install. You work a claim in the browser and export a room-grouped, Xactimate-ready worksheet (codes, quantities, descriptions) organized for Quick Entry. There is no native .ESX import; you key the reviewed line items into Xactimate and stay in control.
Terms and conditions
Use of Mensuria is subject to our Terms of Service. Your first claim is free with no card; paid plans are billed monthly and cancel anytime.
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Support
Support
Reach the team at support@mensuria.com . You will hear back from people who have written a scope, not a ticket queue.
Onboarding
Your first claim walks you through capture, draft, review, and export step by step, so you are productive on claim one — no training required.
Refund policy
Monthly plans cancel anytime; the CAT Season Pass is a one-time add-on with no commitment.
Common questions
Overhead and profit is the general contractor's compensation layered on top of the trade line items — overhead for the cost of running the business (supervision, office, insurance) and profit as the margin. The common convention is 10% for each, figured on the estimate subtotal, which is why adjusters call it “10 and 10.” It compensates coordination: scheduling trades, sequencing work, and owning the schedule. When a repair genuinely needs that coordination, O&P belongs in the estimate.
The rule of thumb says that when a repair involves three or more trades — say roofing, drywall, and painting — coordinating them warrants a general contractor, and therefore O&P. It is an industry convention, not policy language, and carriers apply it differently: some pay O&P on two complex trades, some resist it on three simple ones. The defensible position is to document why the job needs GC-level scheduling and supervision, then let the trade count support that argument rather than replace it.
Standard practice figures both percentages on the estimate subtotal independently — profit is not compounded on top of overhead. On a $40,000 subtotal, 10 and 10 is $4,000 + $4,000 = $8,000, not $4,000 overhead and then 10% of $44,000. Some estimating platforms can be configured either way, so when totals don't reconcile, compounding is one of the first places to look. This calculator uses the non-compounded convention and says so in the result.
- General
RCV → ACV → first check → depreciation check.
- General
Paste line items and find the gaps.
- General
Compute recoverable depreciation.
- General
Did-vs-should ratio and penalized payable.