Haha, it's like you read my rant before I deleted it!
"I'm going to have my boss look over this estimate."
- "Okay, I don't give a shit unless he's a contractor."
"Can he call you with questions?"
- "Until I have a letter of representation in my hand, he's just some guy that's not listed on your policy."
"I'm just worried about an unjust settlement."
- "I wrote you an estimate, which is fluid by the very definition of the word. Until the work is done, nothing is settled.