Insurance Claim — Post-Loss Scope Comparison

Fire Rebuild · 3815 Saddle Ridge St, Valrico FL

Side-by-side comparison of two independent rebuild estimates: the GCS Restoration rough draft (GCS) and the Rhino Restoration final report (Rhino). Both price the same fire loss on the same property using the FLTA8X_JUL26 price list. The Rhino total is $9,689.79 lower, but the room-level scope and line-by-line composition differ substantially — read on before treating either number as final.

Date of Loss
5/25/2026
Type of Loss
Fire
Property
3815 Saddle Ridge St
Price List
FLTA8X_JUL26
Baseline (reference for deltas)GCS Restoration
GCS Restoration (Rough Draft)
$431,584.88
Line Items: $348,804.46 · 745 items · 8/12/2026
Line Items$348,804.46
Material Sales Tax (7.5%)$10,848.54
Overhead (10%)$35,965.94
Profit (10%)$35,965.94
Net Claim$431,584.88
Rhino Restoration (Final)
$421,895.09
Line Items: $340,652.13 · 676 items · 8/10/2026
Line Items$340,652.13
Material Sales Tax (7.5%)$10,926.10
Overhead (10%)$35,158.43
Profit (10%)$35,158.43
Net Claim$421,895.09

Bottom-line delta

Rhino is $9,689.79 lower than GCS

Despite the $9.7K gap, the two reports don't actually describe the same scope. GCS carries separate rooms (Pool Bath, Pool Bath/Shower, Covered Lanai, Screened Lanai/Pool Area, Attic seal, Hallway #2) and a more expensive HVAC system; Rhino carries higher-grade fixtures and several items GCS omits entirely (EV charger, gas cooktop, jetted tub, recessed lighting packages, gas water heater, attic ladder). See the gap section and per-room detail below.

01Category recap (line items only, pre-tax/O&P)

Both reports break costs into 30+ categories. The largest divergence is in cabinetry, electrical, HVAC, drywall, and finishes — and Rhino includes several categories GCS is missing entirely.

Category GCS Rhino Δ
Appliances$889.33$6,172.46−$5,283
Cabinetry$23,644.39$23,206.63+$438
Cleaning$4,390.85$1,819.89−$2,571
Concrete & Asphalt$5,087.09$915.60−$4,171
Doors$21,724.48$19,274.54−$2,450
Drywall$61,043.37$81,830.57+$20,787
Electrical$38,722.82$29,721.72−$9,001
Electrical – Special Systems—$1,042.28+$1,042
Floor Covering – Carpet$5,790.78$7,909.83+$2,119
Floor Covering – Ceramic Tile$20,884.71$13,695.49−$7,189
Floor Covering – Wood$1,197.75$5,047.26+$3,850
Finish Carpentry / Trimwork$7,658.51$8,963.24+$1,305
Finish Hardware$1,334.82$642.31−$693
Fireplaces—$3,926.84+$3,927
Framing & Rough Carpentry$431.70$296.61−$135
Glass, Glazing, Storefronts—$365.15+$365
Heat, Vent & AC$32,505.49$21,985.91−$10,520
Insulation$7,979.59$11,110.41+$3,131
Labor Only$3,004.00$38.75−$2,965
Light Fixtures$6,410.41$6,374.34−$36
Masonry$1,260.60$912.43−$348
Marble – Cultured or Natural—$191.94+$192
Mirrors & Shower Doors$2,181.02$2,886.26+$705
Permits and Fees$2,500.00—−$2,500
Plumbing$14,375.03$15,233.50+$859
Painting$37,000.92$33,703.83−$3,297
Stairs—$780.33+$780
Stucco & Exterior Plaster$4,704.48—−$4,704
Swimming Pools & Spas$4,887.57—−$4,888
Tile$8,935.13$8,250.85−$684
Window Treatment$1,174.13—−$1,174
Window Reglazing & Repair$873.75—−$874
Windows – Vinyl$13,094.20$11,293.85−$1,800
Windows – Sliding Patio Doors$9,413.14$18,327.34+$8,914
Windows – Aluminum—$313.08+$313
Temporary Repairs$2,387.53—−$2,388
General Demolition$3,316.87$4,418.89+$1,102
Line Item Subtotal$348,804.46$340,652.13+$8,152.33

02Major scope gaps

Items that exist in only one of the two reports. Both sides have items the other omits — that's the structural reason the totals differ. The right number for the claim is the union, not the higher one.

GCS-only items

In GCS draft, missing from Rhino
  • Pool Bath (full separate room)$9,969.10
  • Pool Bath/Shower (sub-room)$4,952.22
  • Covered Lanai (paint, fans, decking)$6,967.10
  • Screened Lanai / Pool Area$1,994.67
  • Attic odor-control seal (3,162 SF)$5,217.30
  • Hallway #2 (Bedroom 3 corridor)$2,090.62
  • Front Porch (paint, clean)$714.51
  • Pool decking cooling coating$5,491.64
  • Stucco repair (243 LF) + ext paint$12,781.50
  • 300-amp breaker panel$5,312.46
  • Window blinds (Bedroom 1/2/3, Bonus)$1,174.13
  • Temporary toilet (6 mo) & power$2,387.53
  • Permits/fees bid item$3,000.00
  • Garage door insulation (foam board)$389.62
  • Project supervision (40 hrs)$3,604.80

Rhino-only items

In Rhino report, missing from GCS
  • Gas cooktop — high grade (Kitchen)$1,293.31
  • Gas water heater 50-gal (Garage)$2,260.88
  • Central AC 5-ton 16-21 SEER (Garage mech)$10,215.96
  • EV charging station 240V (Garage)$1,308.79
  • 200-amp breaker panel (Garage)$3,691.62
  • 8'×7' + 12'×7' overhead doors (Garage)$5,316.94
  • Disappearing attic stairway (Garage)$950.14
  • Garage R-15 batt insulation (237 SF)$588.73
  • Safety switch 100A 240V (Garage)$1,147.49
  • Zero-clearance gas fireplace (Family Room)$4,953.32
  • Ductless mini-split 1-zone (Bonus Room)$4,742.45
  • Ductwork 2,200-2,500 SF home$11,489.37
  • Jetted acrylic tub (Primary Bath)$2,510.46
  • Tiled jetted-tub surround (Primary Bath)$1,865.80
  • Wood appliance panel (Kitchen)$809.97
  • High-grade dishwasher (Kitchen)$921.46
  • Pantry shelving 30 LF (Kitchen)$468.76
  • Recessed lighting pkg (Kitchen 8, Bath 2)$2,062.12
  • Garbage disposal + strainer$475.58
  • Bottom-freezer refrigerator 25-30 cf$3,159.96

03Kitchen

Rhino is $9,629.54 higher. Rhino is fully specified (gas cooktop, high-grade appliances, wood appliance panel, full-height cabinet, recessed lighting, glass tile backsplash). GCS is sparser — install-only line items for cooktop/DW/range hood, basic counter, fewer finishes.

KitchenGCS #6 · Rhino —
GCS
$31,151.91
Rhino
$40,781.45
Δ
+$9,629.54
Appliance — Refrigerator (install only vs full replace 25-30 cf)
GCS: $63.96 install · Rhino: full unit $3,159.96
$63.96
$3,159.96
Dishwasher (install vs high-grade replace)
GCS: $232.59 install · Rhino: $921.46
$232.59
$921.46
Cooktop — electric install vs gas high-grade
GCS: $161.01 install · Rhino: $1,293.31
$161.01
$1,293.31
Range hood (install vs standard replace)
GCS: $140.07 install · Rhino: $269.70
$140.07
$269.70
Built-in double oven (install) vs single high-grade oven
GCS: $269.04 install · Rhino: $1,850.81
$269.04
$1,850.81
Garbage disposal (install vs full replace + strainer)
GCS: $200.52 install · Rhino: $475.58
$200.52
$475.58
Ceiling — blown-in insulation, drywall, texture, paint, mask
GCS: 203 SF · Rhino: 266 SF (bigger scope)
$2,188.20
$5,789.26
Recessed light fixtures
GCS: 7 @ $172 · Rhino: 8 @ $172 + 1 fixture
$1,471.50
$1,792.32
Walls — drywall, texture, mask, paint
GCS: 620 SF walls (½ painted) · Rhino: 795 SF
$3,984.14
$7,083.85
Lower cabinetry (base units)
GCS: 18 LF high-grade · Rhino: 27.75 LF
$7,991.58
$10,293.49
Upper cabinetry (wall units)
GCS: 19 LF high-grade · Rhino: 20.33 LF
$5,976.46
$6,394.81
Full-height cabinetry
GCS: 5 LF high-grade · Rhino: 2 LF
$2,932.92
$991.50
Wood appliance panel (built-in fridge)
GCS: not present · Rhino: 16 SF
—
$809.97
Cabinet knobs/pulls
GCS: 42 · Rhino: 47
$554.69
$620.72
Countertop — flat-laid plastic laminate
GCS: 40 LF · Rhino: 35 LF
$2,505.04
$2,191.94
Backsplash
GCS: 38 LF × 6" · Rhino: 29.75 LF × 4"
$624.67
$380.07
Under-cabinet puck lighting
GCS: 5 pucks · Rhino: not present
$846.06
—
Sink — double basin + faucet + supply lines
GCS: $1,081.73 (assembled) · Rhino: $926.18 (assembled)
$1,081.73
$926.18
Angle stop valves + ice-maker supply box
GCS: 2 stops + box · Rhino: 3 stops
$400.27
$223.20
Trim — baseboard + paint
GCS: 60 LF · Rhino: 87 LF
$585.97
$738.19
Floor — tile + mortar bed + leveling
GCS: 203 SF · Rhino: 266 SF (larger)
$6,260.89
$4,162.51
Pantry shelving (30 LF wire)
GCS: not present · Rhino: 30 LF
—
$468.76
Electrical — switches, GFI, outlets
GCS: not separated · Rhino: 2×3-way + 5 switches + 5 GFI + 8 outlets
—
$685.14
Final cleaning
GCS: 203 SF · Rhino: 262 SF
$104.88
$135.34
Kitchen total
$31,151.91
$40,781.45
+$9,629.54

04Primary Bath (Master Bath + Shower + WC)

Rhino rolls this into one room ("Primary Bath" with Walk-in Shower and Toilet Room subrooms) at $29,702.32. GCS splits it into Master Bath + Master Shower + Master WC: $20,072.94 combined. Rhino is $9,629.38 higher — almost entirely due to the jetted tub, the larger vanity, mosaic tile work, and 2× mirrors/sinks.

Primary BathGCS: Master Bath + Master Shower + Master WC
GCS
$20,072.94
Rhino
$29,702.32
Δ
+$9,629.38
Door — interior Colonist pre-hung + paint + hardware
GCS: 1 (master bath) + 1 (master WC) · Rhino: 2 doors + 2 knobs
$1,242.80
$1,036.47
Ceiling — drywall, texture, paint, mask (insul + light)
GCS: 120 SF · Rhino: 138 SF
$1,022.29
$1,310.99
Walls — drywall, texture, mask, paint (incl. insulation)
GCS: 580 SF (bath) + 280 SF (shower) + 179 SF (WC) · Rhino: 753 SF
$6,002.93
$7,110.84
Shower — tile surround + cement board + shower pan + door + faucet
GCS: 101-120 SF tile + 1 pan + 1 door · Rhino: 61-100 SF tile + mosaic accent + curb + 1 pan + 1 door
$5,107.80
$4,944.40
Jetted acrylic tub + faucet + tile surround
GCS: not present · Rhino: full jetted tub install
—
$4,869.71
Vanity + countertop + backsplash + knobs (total)
GCS: 2.5 LF vanity + ct + 2 knobs · Rhino: 13 LF vanity + ct + 13 SF backsplash
$1,007.86
$3,776.14
Sink(s) + faucets + supply lines + angle stops
GCS: 1 sink + 1 faucet · Rhino: 2 sinks + 2 faucets
$978.36
$1,822.77
Mirror(s) + medicine cabinet(s) + light bar(s)
GCS: 8.75 SF mirror + 2 MC + 1×3-light · Rhino: 52 SF mirror + 0 MC + 2×6-light
$1,043.85
$2,143.68
Toilet + seat (qty)
GCS: 2 toilets (master bath + WC) · Rhino: 1 toilet
$1,760.31
$796.61
Block glass window + reinforcements
GCS: 16 SF · Rhino: 11.11 SF
$1,196.42
$830.74
Vinyl picture window (retr+impact)
GCS: 1 unit · Rhino: 1 alum. picture window
$527.16
$1,010.56
Trim — baseboard + paint
GCS: 58 LF · Rhino: 68 LF
$613.86
$573.11
Floor — tile + leveling + mortar (108-120 SF)
GCS: 108 SF · Rhino: 124 SF
$2,608.41
$1,930.87
Electrical — switches / GFI / outlets / fans / recessed lights
GCS: not separated · Rhino: 5 switches + 4 GFI + 2 vent fans + 2 recessed + 2 light bars
—
$1,614.38
Final cleaning
GCS: 120 SF (bath) + 12 SF (shower) + 19 SF (WC) · Rhino: 124 SF
$82.05
$63.81
Primary Bath total
$20,072.94
$29,702.32
+$9,629.38
Note: GCS includes a separate Master WC (toilet room) at $3,206.45 with a vanity-light and no shower; Rhino folds the same space into Primary Bath as a "Toilet Room" subroom. Apples-to-apples, the biggest single line-item delta is the jetted tub + tiled surround ($4,870) which is entirely missing from GCS.

05Garage

Largest absolute gap in the entire claim. Rhino is $17,353.17 higher because it specs a complete garage rebuild (overhead doors, openers, 200A panel, central AC, gas water heater, EV charger, attic stair) — GCS only paints, drywalls, and adds insulation. If you want this scope funded, the Rhino number is the more defensible one.

GarageBoth reports
GCS
$15,843.11
Rhino
$33,196.28
Δ
+$17,353.17
Exterior door — metal (replace)
GCS: Deluxe wood w/detail · Rhino: Metal insulated + lite + retro
$3,233.53
$1,571.17
Door — interior Colonist pre-hung + paint
GCS: 1 · Rhino: 1 fire-rated wood door + jamb + casing
$686.09
$844.17
Overhead doors + hardware + openers + windows
GCS: openers only ($1,305.94), no doors · Rhino: 8'×7' + 12'×7' high-grade + openers + 6 windows
$1,305.94
$7,008.33
200-amp breaker panel w/arc-fault
GCS: not present (300A is in Electrical section) · Rhino: $3,691.62
—
$3,691.62
100-amp 240V safety switch (disconnect)
GCS: not present · Rhino: $1,147.49
—
$1,147.49
EV charging station 240V
GCS: not present · Rhino: $1,308.79
—
$1,308.79
Timer switch
GCS: not present · Rhino: $54.82
—
$54.82
Disappearing attic stair / ladder
GCS: not present · Rhino: $950.14
—
$950.14
Wall + ceiling — drywall, texture, paint, mask
GCS: 1065 SF walls (¼ drywalled), 674 SF ceiling · Rhino: 841 SF walls, 658 SF ceiling
$8,237.97
$8,448.49
Insulation — batt + garage door foam
GCS: garage door foam only · Rhino: 237 SF R-15 batt + draft stop
$389.62
$826.56
Central AC — 5 ton 16-21 SEER (R&R)
GCS: in HVAC section (4-ton air handler + plenum) · Rhino: $10,215.96
incl. HVAC
$10,215.96
Water heater — 80-gal electric vs 50-gal gas
GCS: 80-gal electric $2,824.88 · Rhino: 50-gal gas $2,260.88
$2,824.88
$2,260.88
Laundry tub + faucet + supply + stops
GCS: $1,160.01 · Rhino: not in garage (in Laundry Room)
$1,160.01
—
Trim — baseboard + paint (¼ perimeter)
GCS: 27 LF · Rhino: 30 LF
$258.70
$249.93
Floor — clean only vs n/a
GCS: pressure wash concrete · Rhino: not present
$429.53
—
Final cleaning
GCS: not separate · Rhino: 658 SF
—
$339.46
Garage total
$15,843.11
$33,196.28
+$17,353.17
Big picture: Rhino treats the garage as a full mechanical/utility rebuild (~$33K); GCS treats it as a cosmetic repaint + drywall. Central AC + 200A panel + EV charger alone add ~$15.2K in Rhino that isn't in GCS anywhere except a different (300A, 4-ton) spec in the Electrical/HVAC sections.

06Bonus Room

Rhino is $6,902.81 higher — almost entirely driven by a ductless mini-split HVAC zone (1-zone, $4,742) that's missing from GCS. Otherwise scope is similar (carpet, drywall, windows, closet).

Bonus RoomUpstairs, sloped ceiling
GCS
$18,279.79
Rhino
$25,182.60
Δ
+$6,902.81
Doors — interior, bifold, paint, hardware
GCS: Colonist + bifold double · Rhino: same
$1,805.18
$1,602.10
6'×6'8" vinyl sliding patio door + retro
GCS: $1,547.45 + $660.82 · Rhino: not present (rolled into other room)
$2,208.27
—
10'×6'8" aluminum sliding patio door + impact glass
GCS: not present · Rhino: $4,150.56
—
$4,150.56
Ceiling — insul, drywall, texture, paint, mask
GCS: 381 SF · Rhino: 375 SF
$3,872.80
$3,734.36
Walls — drywall, texture, mask, paint, foil insul
GCS: 893 SF · Rhino: 791 SF + 424 SF batt
$7,068.77
$8,316.86
Trim — baseboard, casing, paint
GCS: 92 LF + 21 LF casing · Rhino: 93 LF base only
$1,008.05
$783.02
Windows — vinyl single-hung, retro, impact glass, screens
GCS: 2× S>++ premium + 1× 24-40sf retro · Rhino: 2× S++ + retro + 30 SF impact + 5 LF mullion
$3,378.80
$2,899.06
Window blinds (PVC)
GCS: 2 blinds · Rhino: not present
$639.20
—
Floor — leveling, carpet + pad, cleaning
GCS: 368 SF · Rhino: 370 SF
$3,794.26
$2,242.23
Electrical — switches, outlets, CO/smoke, ceiling fan
GCS: 1 light fixture · Rhino: 1 switch-3way + 3 switches + 11 outlets + 1 CO/Smoke + 1 ceiling fan
$110.63
$1,074.49
Ductless mini-split 1-zone
GCS: in HVAC section (1 zone $4,742) · Rhino: in this room
incl. HVAC
$4,742.45
Shelving — wire vinyl coated
GCS: 10 LF · Rhino: not separately listed
$156.25
—
Bonus Room total
$18,279.79
$25,182.60
+$6,902.81

07Family Room

Rhino is $6,035.61 higher — the entire delta is the zero-clearance gas fireplace ($4,953) plus a slightly bigger tile/fireplace surround package. If the original home had a working gas fireplace, the Rhino spec is the more accurate one to negotiate around.

Family RoomIncludes Fireplace (1) in GCS
GCS
$13,399.96
Rhino
$19,435.57
Δ
+$6,035.61
6'×8' vinyl sliding patio door + retro + impact glass (Foyer to Lanai)
GCS: $4,378.65 (in Foyer) · Rhino: in this room
$4,378.65
$5,538.19
10'×8' aluminum sliding patio door + impact + retro
GCS: not present · Rhino: $3,917.51 door + retro $660.82
—
$4,578.33
Zero-clearance gas fireplace w/venting
GCS: not present · Rhino: $4,953.32
—
$4,953.32
Ceramic/porcelain tile (around fireplace opening)
GCS: 10 SF · Rhino: not separately listed
$189.24
—
Ceiling — insul, drywall, texture, paint, mask, fan, light
GCS: 350 SF + fan/light · Rhino: 292 SF + ceiling fan
$4,012.51
$2,949.10
Walls — drywall, texture, mask, paint, foil insul
GCS: 762 SF · Rhino: 570 SF
$5,700.42
$3,548.69
Trim — baseboard, paint
GCS: 73 LF · Rhino: 57 LF
$707.43
$481.62
Floor — leveling, carpet, pad, cleaning
GCS: 350 SF · Rhino: 292 SF
$2,267.30
$2,034.44
Electrical — switches, outlets, CO/smoke
GCS: not separated · Rhino: 2×3way + 2 switches + 7 outlets + 1 CO/Smoke
—
$398.61
Family Room total
$13,399.96
$19,435.57
+$6,035.61

08Entry/Foyer

Rhino is $2,675.25 higher. Rhino specs a half-round window plus impact glass and a more expensive front door package ($3,225 vs $9,283 for the full door assembly). GCS folds the front patio door into Living Room instead.

Entry/FoyerGCS also includes Coat Closet & Office subroom
GCS
$16,103.84
Rhino
$18,779.09
Δ
+$2,675.25
Exterior double door — paneled hardwood + retro + lite inserts
GCS: $9,283 (door + retro + lockset + paint) · Rhino: $3,225 + lites $753 + retro $556
$9,683.42
$4,716.55
Half-round vinyl window (72" wide) + impact + Low-E + retro
GCS: not present · Rhino: $1,815.89
—
$1,815.89
Vinyl picture window + retro + impact glass
GCS: $1,036.97 · Rhino: not separately present
$1,036.97
—
Ceiling — insul, drywall, texture, paint, mask, light
GCS: 139 SF + 1 light · Rhino: 224 SF (Entry Extension incl.) + 1 light
$1,522.55
$1,786.04
Walls — drywall, texture, mask, paint, foil
GCS: 325 SF + 36 SF foil · Rhino: 657 SF + 88 SF foil + 100 LF corner bead
$2,584.95
$5,103.65
Trim — baseboard, paint, chair rail
GCS: 33 LF base · Rhino: 66 LF base + 8 LF chair rail
$316.12
$684.10
Tile floor (concrete prep + leveling + tile + mortar)
GCS: 139 SF · Rhino: 224 SF (bigger footprint)
$4,283.26
$3,497.07
Electrical — switches, outlets, fixtures
GCS: not separated · Rhino: 2×3way + 5 switches + 6 outlets + 1 light
—
$489.91
Entry/Foyer total
$16,103.84
$18,779.09
+$2,675.25

09Primary Bedroom (Master Bedroom + Master Closet)

Rhino is $11,531.45 higher — but this is mostly a definitional issue. GCS splits the space into Master Bedroom ($11,417.32) + Master Closet ($3,674.70) = $15,092.02 combined, vs Rhino $22,873.59. Even combined, Rhino is higher because it adds a sliding patio door ($4,203) and a 13.5-LF melamine closet organizer ($1,873) that GCS doesn't.

Primary BedroomGCS: Master Bedroom + Master Closet
GCS
$15,092.02
Rhino
$22,873.59
Δ
+$7,781.57
Sliding patio door 12'×8' alum. + retro + impact (bedroom to lanai)
GCS: 6'×6'8" vinyl + retro ($2,208) · Rhino: 12'×8' alum. high-grade + retro + impact + Low-E ($4,841)
$2,208.27
$4,841.46
Door — interior + paint + hardware
GCS: 1 · Rhino: 2 doors + 2 knobs
$633.54
$1,036.47
Ceiling — insul, drywall, texture, paint, mask, fan
GCS: 248 SF + fan · Rhino: 303 SF + fan
$3,260.07
$3,837.43
Walls — drywall, texture, mask, paint, foil
GCS: 721 SF bedroom + 287 SF closet · Rhino: 1009 SF
$5,900.27
$7,101.93
Trim — baseboard, paint
GCS: 72 LF · Rhino: 101 LF
$700.63
$852.17
Closet organizer — wire (GCS) vs melamine 13.5 LF (Rhino)
GCS: 16 LF wire $250 · Rhino: 13.5 LF melamine $1,873.21
$250.00
$1,873.21
Floor — leveling, carpet, pad, cleaning
GCS: 248 SF + 51 SF closet · Rhino: 303 SF
$1,294.99
$1,994.90
Electrical — switches, outlets, CO/smoke, fan, light
GCS: 2 light fixtures · Rhino: 6 switches + 11 outlets + 1 CO/Smoke + 1 fan + 1 light
$221.25
$1,144.88
Carpet transition strip
GCS: not present · Rhino: 6 LF
—
$25.42
Primary Bedroom total
$15,092.02
$22,873.59
+$7,781.57

10Living Room

Rhino is $2,310.25 higher — engineeered wood floor is a similar cost in both, but Rhino adds a chair-rail detail, larger sliding patio door, and full electrical package (GCS omits switches/outlets here).

Living RoomBoth reports
GCS
$12,050.74
Rhino
$14,360.99
Δ
+$2,310.25
Sliding patio door 8'×8' (F vinyl) vs 12'×8' (B alum.) + impact + retro
GCS: $4,667.03 (vinyl + retro + impact) · Rhino: $5,743.55 (alum. + retro + impact + Low-E)
$4,667.03
$5,743.55
Ceiling — insul, drywall, texture, paint, mask, light
GCS: 238 SF · Rhino: 182 SF
$2,529.41
$2,196.95
Walls — drywall, texture, mask, paint, foil
GCS: 507 SF + 55 SF foil · Rhino: 426 SF + 138 SF foil
$3,953.80
$3,029.27
Trim — baseboard, paint, chair rail
GCS: 49 LF base · Rhino: 43 LF base + 3 LF chair rail
$479.89
$405.70
Engineered wood floor (glue-down + leveling + concrete prep + end moldings)
GCS: 238 SF · Rhino: 182 SF
$3,569.55
$3,439.43
Electrical — switches, outlets, lights
GCS: not separated · Rhino: 1×3way + 2 switches + 6 outlets + 1 light
—
$370.55
Living Room total
$12,050.74
$14,360.99
+$2,310.25

11Back Bathroom (Pool Bath in GCS)

Rhino's "Back Bathroom" is the same room as GCS's "Pool Bath." Rhino is $3,953.28 higher — bigger tile shower (mosaic accent, curb, glass lite), medicine cabinet, vanity, mirror, light bar, GFI outlet. GCS's spec is plainer but does include a separate Pool Bath/Shower stall ($4,952) that Rhino absorbs into this same room.

Back Bathroom / Pool BathGCS: Pool Bath + Pool Bath/Shower subroom
GCS
$14,921.32
Rhino
$13,922.38
Δ
−$998.94
Exterior door — wood deluxe w/detail (entry to pool bath)
GCS: 1 · Rhino: 1 metal insulated w/lite + retro
$3,427.73
$1,640.48
Interior door + paint + hardware
GCS: 1 Colonist · Rhino: 1 Colonist + knob
$685.90
$518.24
Ceiling — insul, drywall, texture, paint, mask
GCS: 45 SF + 9 SF (shower) · Rhino: 55 SF
$466.79
$389.36
Walls — drywall, texture, mask, paint, foil
GCS: 242 SF + 19 SF (shower) · Rhino: 293 SF
$1,841.16
$2,013.42
Shower — tile surround + cement board + pan + door + faucet (separate stall in GCS)
GCS: 61-100 SF tile + pan + faucet ($3,628.51) — as separate subroom · Rhino: 60 SF tile + curb + glass lite + shower door
$3,628.51 (in Pool Bath/Shower)
$4,884.83
Vanity + countertop + backsplash + knobs
GCS: 2.5 LF + ct · Rhino: 2.5 LF + ct + backsplash
$1,006.34
$1,001.07
Sink + faucet + supply + trap + stops + toilet + seat
GCS: 1 sink + 1 toilet · Rhino: same
$1,679.78
$1,569.66
Mirror + medicine cabinet + light bar + bath vent fan
GCS: 8.75 SF mirror + 2 MC + 1 light bar · Rhino: 9 SF mirror + 1 MC + 1 light bar + 1 vent fan
$1,058.07
$1,021.10
Trim — baseboard, paint
GCS: 30 LF · Rhino: 37 LF
$293.71
$309.84
Tile floor (concrete prep + leveling + tile + mortar)
GCS: 45 SF + 9 SF (shower) · Rhino: 55 SF
$1,406.94
$856.11
Electrical — switches, GFI, vent fan, light bar
GCS: not separated · Rhino: 2 switches + 1×3way + 1 GFI + 1 vent + 1 light bar
—
$494.29
Back Bathroom / Pool Bath total
$14,921.32
$13,922.38
−$998.94

12Office

Rhino is $3,158.86 higher — bigger window (20-28 SF premium vs 13-19 SF), full electrical package, CO/smoke, ceiling fan, and bigger carpet footprint. Same doors & closet layout.

OfficeBoth reports
GCS
$10,324.01
Rhino
$13,482.87
Δ
+$3,158.86
Vinyl window (single-hung premium + retro + impact)
GCS: 13-19 SF S>++ · Rhino: 20-28 SF S++ high-grade + retro + impact + Low-E
$1,267.44
$2,023.43
Doors — interior double, bifold, paint, hardware
GCS: 1 double + 1 bifold · Rhino: 1 double + 1 bifold + 1 dummy knob
$1,366.98
$1,331.66
Ceiling — insul, drywall, texture, paint, mask, light
GCS: 188 SF + 1 light · Rhino: 184 SF + 1 light
$2,162.96
$2,051.05
Walls — drywall, texture, mask, paint, foil
GCS: 529 SF + 397 SF foil · Rhino: 688 SF + 410 SF foil
$4,432.42
$5,184.55
Trim — baseboard, paint
GCS: 66 LF · Rhino: 69 LF
$642.05
$581.36
Floor — leveling, carpet, pad, cleaning
GCS: 188 SF · Rhino: 184 SF
$1,941.38
$1,215.01
Electrical — switches, outlets, CO/smoke, ceiling fan
GCS: not separated · Rhino: 3 switches + 9 outlets + 1 CO/Smoke + 1 ceiling fan
—
$1,002.97
Office total
$10,324.01
$13,482.87
+$3,158.86

13Dining Room

Rhino is $2,012.48 higher — premium vinyl windows ($1,820 vs $2,141), corner bead detail, full electrical package, and bigger overall drywall scope (469 vs 339 SF).

Dining RoomBoth reports
GCS
$8,514.26
Rhino
$10,526.74
Δ
+$2,012.48
Windows — vinyl S>++ + retro + impact (2×)
GCS: 2 S>++ · Rhino: 2 S>++ + 5 LF mullion + retro + impact + Low-E
$3,372.95
$3,397.90
Ceiling — insul, drywall, texture, paint, mask, chandelier
GCS: 162 SF + chandelier · Rhino: 152 SF + chandelier
$2,011.84
$1,772.97
Walls — drywall, texture, mask, paint, foil
GCS: 339 SF + 90 SF foil · Rhino: 318 SF + 129 SF foil + archway add
$2,798.68
$3,019.85
Trim — baseboard, paint
GCS: 34 LF · Rhino: 32 LF
$329.62
$268.36
Engineered wood floor (glue-down + leveling + concrete prep + end moldings)
GCS: 162 SF · Rhino: 152 SF
$2,866.79
$2,858.99
Electrical — switches, outlets, light
GCS: not separated · Rhino: 1×3way + 2 switches + 6 outlets + 1 light
—
$260.50
Dining Room total
$8,514.26
$10,526.74
+$2,012.48

14Bedroom 1

Rhino is $1,694.91 higher — almost entirely a more expensive window (single-hung high-grade $1,100 vs GCS's premium $1,049 + blinds $283) and a complete electrical package. Otherwise scope is similar (carpet, drywall, closet bifold).

Bedroom 1Both reports
GCS
$9,461.22
Rhino
$11,156.13
Δ
+$1,694.91
Window — vinyl S>++ premium + retro + impact (13-19 SF)
GCS: $1,385.11 + blind $283.02 · Rhino: S++ high-grade + retro + impact + Low-E + sill
$1,668.13
$1,486.24
Doors — Colonist + bifold + paint + hardware
GCS: 1 + 1 · Rhino: 1 + 1 + jambs/casing
$1,212.13
$1,386.27
Ceiling — insul, drywall, texture, paint, mask, light
GCS: 156 SF + 1 light · Rhino: 160 SF + 1 light
$1,617.90
$1,597.96
Walls — drywall, texture, mask, paint, foil
GCS: 574 SF + 115 SF foil · Rhino: 528 SF + 14 SF foil + 56 SF batt
$4,268.25
$4,179.91
Trim — baseboard + casing + paint
GCS: 72 LF + 21 LF casing · Rhino: 66 LF + 34 LF casing
$810.85
$646.49
Shelving — wire (vinyl coated)
GCS: 18 LF · Rhino: 6.83 LF
$281.26
$106.71
Floor — leveling, carpet, pad, cleaning
GCS: 156 SF · Rhino: 160 SF
$1,608.80
$1,279.99
Electrical — switches, outlets, CO/smoke, ceiling fan
GCS: not separated · Rhino: 3 switches + 7 outlets + 1 CO/Smoke + 1 fan
—
$854.96
Bedroom 1 total
$9,461.22
$11,156.13
+$1,694.91

15Bedroom 2

Rhino is $1,678.87 higher — premium window package, more electrical (CO/smoke, ceiling fan, switches, outlets). Otherwise bedroom scope is essentially the same.

Bedroom 2Both reports
GCS
$8,665.74
Rhino
$10,344.61
Δ
+$1,678.87
Window — vinyl S>++ premium + retro + impact (13-19 SF)
GCS: $1,668.13 (incl. blind) · Rhino: S++ + retro + impact + Low-E + sill
$1,668.13
$1,486.24
Doors — Colonist + bifold + paint + hardware
GCS: 1 + 1 · Rhino: 1 + 1 + jambs/casing
$1,212.13
$1,386.27
Ceiling — insul, drywall, texture, paint, mask, light
GCS: 141 SF · Rhino: 142 SF
$1,565.78
$1,427.42
Walls — drywall, texture, mask, paint, foil
GCS: 496 SF + 115 SF foil · Rhino: 497 SF + 11 SF foil + 56 SF batt
$3,716.61
$3,931.18
Trim — baseboard + casing + paint
GCS: 62 LF + 21 LF casing · Rhino: 62 LF + 33 LF casing
$716.79
$623.37
Shelving — wire (vinyl coated)
GCS: 18 LF · Rhino: 6.33 LF
$281.26
$98.90
Floor — leveling, carpet, pad, cleaning
GCS: 141 SF · Rhino: 142 SF
$1,490.95
$1,109.94
Electrical — switches, outlets, CO/smoke, ceiling fan
GCS: not separated · Rhino: 3 switches + 7 outlets + 1 CO/Smoke + 1 fan
—
$854.96
Bedroom 2 total
$8,665.74
$10,344.61
+$1,678.87

16Bedroom 3

Rhino is $2,363.92 higher — same drivers: premium window, more electrical, plus an extra 12" in-place shelf that GCS doesn't itemize.

Bedroom 3Both reports
GCS
$9,202.34
Rhino
$11,566.26
Δ
+$2,363.92
Window — vinyl S>++ premium + retro + impact (13-19 SF)
GCS: $1,668.13 (incl. blind) · Rhino: S++ + retro + impact + Low-E + sill
$1,668.13
$1,486.24
Doors — Colonist + bifold + paint + hardware
GCS: 1 + 1 · Rhino: 1 + 1 + jambs/casing
$1,212.13
$1,386.27
Ceiling — insul, drywall, texture, paint, mask, light
GCS: 158 SF · Rhino: 162 SF
$1,747.60
$1,635.96
Walls — drywall, texture, mask, paint, foil
GCS: 530 SF + 125 SF foil · Rhino: 580 SF + 14 SF foil + 56 SF batt
$3,977.50
$4,359.69
Trim — baseboard + casing + paint
GCS: 66 LF + 21 LF casing · Rhino: 73 LF + 34 LF casing
$757.58
$661.46
Shelving — wire + 12" in-place
GCS: 18 LF wire · Rhino: 8.33 LF wire + 7 LF 12"
$281.26
$249.55
Floor — leveling, carpet, pad, cleaning
GCS: 158 SF · Rhino: 162 SF
$1,685.31
$1,250.07
Electrical — switches, outlets, CO/smoke, ceiling fan
GCS: not separated · Rhino: 3 switches + 7 outlets + 1 CO/Smoke + 1 fan
—
$854.96
Bedroom 3 total
$9,202.34
$11,566.26
+$2,363.92

17Hall Bathroom

Rhino is $209.49 lower — almost identical scope (tub surround, vanity, toilet, tile floor, mirror, light bar, block glass). Rhino is slightly smaller in SF, which drives the minor delta.

Hall BathroomGCS: Hall Bath · Rhino: Bathroom
GCS
$11,298.06
Rhino
$11,088.57
Δ
−$209.49
Door — interior + paint + hardware
GCS: 1 Colonist + knob · Rhino: same
$685.90
$518.24
Block glass window (4"×8"×8") + reinforcements
GCS: 6 SF · Rhino: 5.33 SF
$448.65
$361.61
Ceiling — insul, drywall, texture, paint, mask
GCS: 42 SF · Rhino: 43 SF
$440.04
$432.49
Walls — drywall, texture, mask, paint
GCS: 215 SF · Rhino: 152 SF
$1,270.48
$851.22
Vanity + countertop + backsplash + knobs (4 LF)
GCS: 4 LF high-grade · Rhino: 3 LF
$1,696.54
$1,209.29
Mirror + medicine cabinet + light bar
GCS: 14 SF mirror + 2 MC + 1×5-light · Rhino: 9 SF mirror + 1 MC + 1×3-light
$1,325.38
$759.64
Tub + tub/shower faucet + shower head
GCS: 1 tub + 1 faucet + 1 head · Rhino: 1 tub + 1 faucet
$1,998.30
$1,414.74
Tile tub surround + cement board
GCS: 60-75 SF tile + 66 SF cement board · Rhino: 60 SF tile + 65 SF cement board + waterproof
$2,674.99
$2,441.63
Sink + faucet + supply + trap + stops + toilet + seat
GCS: 1 sink + 1 toilet · Rhino: same
$1,479.10
$1,622.77
Trim — baseboard, paint
GCS: 13 LF · Rhino: 27 LF
$130.56
$229.57
Tile floor (concrete prep + leveling + tile + mortar)
GCS: 33 SF · Rhino: 43 SF
$1,101.86
$670.28
Electrical — switches, GFI, vent fan, light bar
GCS: not separated · Rhino: 2 switches + 1 GFI + 1 vent + 1 light bar
—
$611.81
Hall Bathroom total
$11,298.06
$11,088.57
−$209.49

18Nook / Breakfast Nook

Rhino is $135.53 lower — essentially the same room, same scope (sliding patio door, drywall, tile floor, chandelier). GCS calls it "Breakfast Nook," Rhino "Nook."

NookGCS: Breakfast Nook
GCS
$9,212.96
Rhino
$9,077.43
Δ
−$135.53
6'×8' sliding patio door + retro + impact (GCS: vinyl) vs 6'×8' aluminum (Rhino)
GCS: $4,378.65 · Rhino: $3,694.46
$4,378.65
$3,694.46
Ceiling — insul, drywall, texture, paint, mask, chandelier
GCS: 108 SF · Rhino: 126 SF
$1,464.22
$1,531.59
Walls — drywall, texture, mask, paint, foil
GCS: 223 SF + 28 SF foil · Rhino: 273 SF + 8 SF foil
$1,807.04
$1,884.04
Ceramic/porcelain tile (around fireplace opening)
GCS: 10 SF $189 · Rhino: not separately listed
$189.24
—
Trim — baseboard, paint
GCS: 22 LF · Rhino: 25 LF
$216.62
$214.11
Tile floor (concrete prep + leveling + tile + mortar)
GCS: 108 SF · Rhino: 126 SF
$3,328.51
$1,961.48
Electrical — switches, outlets
GCS: not separated · Rhino: 2×3way + 4 switches + 3 outlets
—
$269.39
Nook total
$9,212.96
$9,077.43
−$135.53

19Laundry Room

Rhino is $899.43 lower — GCS puts the laundry tub in Garage ($1,160), Rhino puts it in Laundry. Otherwise very similar (vanity, sink, faucet, drywall, tile floor).

Laundry RoomBoth reports
GCS
$8,343.90
Rhino
$7,444.47
Δ
−$899.43
Door — interior + paint + hardware
GCS: 1 Colonist + knob · Rhino: same
$633.54
$518.24
Washing machine outlet box + hammer arrester + gas line
GCS: not present · Rhino: $727.28
—
$727.28
Ceiling — insul, drywall, texture, paint, mask, light
GCS: 52 SF · Rhino: 57 SF + batt 31 SF
$560.62
$1,061.18
Walls — drywall, texture, mask, paint
GCS: 289 SF · Rhino: 305 SF
$2,079.23
$1,910.40
Cabinets — lower + upper + countertop + backsplash + knobs
GCS: 3 LF lower + 9 LF upper + ct · Rhino: 3 LF vanity + ct + 1.63 SF backsplash
$3,686.93
$1,193.69
Sink + faucet + supply + trap + stops
GCS: 1 sink + 1 faucet · Rhino: same
$1,096.85
$1,127.90
Trim — baseboard, paint
GCS: 29 LF · Rhino: 30 LF
$280.48
$257.39
Tile floor (concrete prep + leveling + tile + mortar)
GCS: 52 SF · Rhino: 57 SF
$1,331.17
$887.33
Electrical — switches, GFI, outlets, light
GCS: not separated · Rhino: 1 switch + 3 outlets + 2 GFI + 1 light
—
$324.55
Laundry Room total
$8,343.90
$7,444.47
−$899.43

20Hall / Hallway #1

Rhino is $314.18 higher — same scope (tile floor, drywall, paint, linen closet). Rhino folds in the thermostat that GCS doesn't list.

HallGCS: Hallway #1 · Rhino: Hall (with Linen Closet)
GCS
$3,600.30
Rhino
$3,914.48
Δ
+$314.18
Doors — pocket, bifold, paint, hardware
GCS: 1 pocket + 1 bifold · Rhino: 1 bifold
$1,013.83
$246.78
Ceiling — insul, drywall, texture, paint, mask, light
GCS: 29 SF · Rhino: 28 SF
$302.59
$311.86
Walls — drywall, texture, mask, paint
GCS: 220 SF + 10 LF shelving · Rhino: 211 SF + 10 LF shelving
$1,540.50
$1,400.92
Trim — baseboard + casing + paint
GCS: 27 LF + 17 LF casing · Rhino: 26 LF + 16 LF casing
$354.66
$262.49
Tile floor (concrete prep + leveling + tile + mortar)
GCS: 29 SF · Rhino: 28 SF
$893.81
$434.77
Thermostat (premium grade)
GCS: not present · Rhino: $357.64
—
$357.64
Electrical — switches, CO/smoke, light
GCS: not separated · Rhino: 3 switches + 1 CO/Smoke + 1 light
—
$336.35
Hall total
$3,600.30
$3,914.48
+$314.18

21Back Hallway / Hallway #2

Only GCS calls out a separate Hallway #2 (Bedroom 3 corridor, $2,090.62) — Rhino folds that scope into adjacent rooms. GCS is $2,090.62 higher by line, but this is a definitional difference, not a missing scope.

Back Hallway / Hallway #2GCS only as separate room
GCS
$2,090.62
Rhino
$3,061.09
Δ
+$970.47
Note: The two numbers are NOT comparable: GCS's Hallway #2 is a small carpeted corridor with a pocket door ($1,013.83 in doors + paint alone). Rhino's "Back Hallway" is a separate interior corridor with a full interior door package, switches, light, CO/smoke, and carpet ($3,061). Rhino's $970 higher likely reflects the larger footprint / more doors — but the Rhino name "Back Hallway" might also overlap with what GCS's Hall Bath or Pool Bath contains.

22Covered / Screened Lanai & Pool Area

GCS-only section. Rhino doesn't carry any exterior living-space or pool decking work — likely a coverage-scope decision (insurance often excludes pool deck coatings, ceiling fans on lanai, etc.). If you want this funded, the GCS line items are your best evidence.

Covered Lanai (GCS)

Paint, fans, decking
  • 3× ceiling fans (detach & reset)$920.99
  • Ceiling — seal & paint 581 SF$912.51
  • Trim paint 225 LF$527.04
  • Mask & prep 137 LF$135.50
  • Walls — seal & paint 1061 SF$1,665.98
  • Pool decking — cooling/heat-reflective coating 581 SF$4,100.00
  • Final cleaning 581 SF$299.83

Screened Lanai / Pool Area (GCS)

Pool labor, decking
  • Swimming pool — general laborer 8 hr (clean/test/balance)$588.48
  • Pool decking — cooling/heat-reflective coating 197 SF$1,391.64
  • Final cleaning 907 SF$467.98

23Mechanical, Electrical & General Conditions

These are non-room line items. Rhino splits Mechanical differently (HVAC in Garage, water heater in Garage, panel in Garage); GCS keeps them in dedicated sections. The labor minimums and supervision line are scope items often contested by carriers — flag if you can.

Item GCS Rhino Δ
Attic odor-control seal (3,162 SF)$5,217.30—+$5,217
Temporary power hookup + 6 mo usage$1,783.84—+$1,784
Temporary toilet (6 mo)$1,176.56—+$1,177
Project supervision / PM (40 hr)$3,604.80—+$3,605
Permits / fees bid item$3,000.00—+$3,000
Stucco repair (243 LF) + ext pressure wash + ext paint (3,619 SF)$12,781.50—+$12,781
Wire — average residence (4,160 SF, copper)$42,934.08—+$42,934
Breaker panel (F 300A / B 200A)$5,312.46 (300A)$3,691.62 (200A)−$1,621
Rewire/wire (B averages SF pricing)—$25,294.54−$25,295
EV charging station 240V—$1,308.79−$1,309
Safety switch 100A 240V—$1,147.49−$1,147
Timer switch—$54.82−$55
Central AC — GCS: 5-ton 14-15 SEER · Rhino: 5-ton 16-21 SEER$8,527.02$10,215.96−$1,689
Ductwork — GCS: 2× system 1200-1599 SF · Rhino: single 2200-2500 SF$15,994.40$11,489.37+$4,505
Air handler 4-ton w/heat (GCS)$3,789.79—+$3,790
Plenum & return air (F, garage platform)$1,701.92—+$1,702
Bathroom vent fans (3×) (GCS)$534.82—+$535
Bathroom vent fan w/light (GCS)$261.86—+$262
Ductless mini-split 1-zone × 2 (GCS: Bonus+Garage)$9,484.88$4,742.45 (1 zone only)+$4,742
Water heater — GCS: 80-gal electric · Rhino: 50-gal gas$2,824.88$2,260.88+$564
Stairway labor minimum—$33.73−$34
Framing labor minimum—$199.63−$200
General labor minimum—$46.51−$47
Labor Minimums subtotal—$279.87−$280
Tandem-axle dump trailer (1 load)$380.41—+$380
Reading the electrical scope: Both reports rebuild the electrical. GCS prices the wire as a single average-residence line ($42,934). Rhino prices a rewire line item at $5.78/SF × 3,544 SF = $25,294 — a 41% lower number for the same scope. This is the single largest line-item discrepancy in the report, and you should challenge whichever is lower in negotiations because the spec (boxes, breakers, devices) is identical.