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Hey everybody, thanks to each of you for your input.  All the advice and comments were put to good use. One of the most important things you did was eliminated the fear that we, in the general population, have of insurance companies. To refresh your memories, the insurance company and the GC were 50K apart. Because of the difference between the formats of the exactimate bid and the GC's long hand bid, it was hard to tell where the difference was. I acted as the owner's rep and the three of us sat down and hammered it out. The insurance price did not have some major items, there were a few manual inputs that we felt were too low, a quantity transposition (.29 vs 2.9 squares), the software was 2 quarters old, and a few things that were just missed. In the end, the GC took 4k off his bid to make things jive.

Again, thanks for letting an outsider feel welcome and I'll keep you posted if anything else comes up.

David