My question involves insurance law for the state of: NJ

I'm getting a little tired of being asked by potential customers for estimates to submit to their insurance company only to later find out that they give the job to a fly-by-night operation at a fraction of the cost. The legal business, with all the licenses and insurance, getting permits and inspections can't price compete with illegal businesses.

It takes a lot of time to make an inspection and then put together the estimate. All that time is lost if you don't get the job. The customer likely wants the highest estimate they can get from a legal business when they have no intention of giving the business the job.

So is it a legitimate practice to charge a fee for the estimate and then give a credit if you get the job. Or would that be considered shady in the insurance industry?