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I do and I never budge. EVER.
 
I always do a free estimate BUT if it is for insurance then I'll charge for it, if I'm questioned along the line but you state its a free estimate I say yes, a verbal estitmate is free otherwise you pay.

My theory is this with insurance work they have to get 3 estimates, they'll probably do the work themselves or they know the tradesman who they want to do it.

I do explain that if my estimate is successful then I will take off the cost of the estimate.

I always get 'you'll get the job, you've been recommended blah blah blah'

I explain in that case you won't mind paying then, just to cover the time.
 
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