Use T&M when damage extent unknown until demolition, hidden damage likely, access limitations, or carrier disputes scope.
T&M shifts approval from price debate to work verification. Document labor, time, materials to justify supplements.
When carrier disputes Xactimate: perform T&M work, track actual cost, demonstrate Xactimate is equal or cheaper than field cost.
Daily Documentation Rule
Every T&M job requires daily logs, crew count, hours, work performed, materials, progress photos, site conditions.
If not documented, it does not exist.