Gotcha. If a price isn't right, just ask the adjuster to print out exactly what is included in the repair item. With Xactimate, they just F8 the repair step (or click on the picture to the right of the repair description, to get "more info").
Like we were touching on earlier, people don't always REALLY understand what is or isn't included in a repair step. I think the most common error I see in newer adjusters is what ISN'T THERE. They haven't stayed in one place long enough to LIVE through the supplements - or calls from homeowner when they cannot seem to find a contractor to do the work for the price allowed. Then you find they didn't know if the database price included dumpster or not, they didn't check for multiple layers to remove, and on and on.
The devil is in the details, and if the scope of repair is described right, and the tools of the software are understood (including what is included for that repair item) then the task of estimate reconciliation gets a lot easier.
And I agree that the lowest bid is not always the right one. I was managing property 20 years ago when a roofer took off the roof of an apartment building just before it poured rain, we discovered the liability and bond insurance were fiction, and the guy had so many jobs open when the rain came that he basically folded (changed names...)