roofing
What additional charges may be considered appropriate when scoping this loss on a two story house with a pitch above 7?
Steep roof and High roof 2
The contractor submits an estimate and it includes a drip edge. What should the adjuster look/ask for as a result?
Material or receipts showing the member home had a drip edge prior to replacement. Consider whether the code requirements are met. Photos of the drip edge on the home.
Xactimate Sketch should be used on __________ losses.
All losses including decks.
Looking at a sketch in Xactimate, you notice the adjuster’s diagram is using a room dimension tool to calculate the exterior wall and lists W instead of F for square footage. This will cause ________.
Overestimation
The roof damage is determined to be a covered loss, based on the USAA inspection. However, based on the member’s current county codes, she is required to replace the roof with fire retardant materials. How do we handle this circumstance?
In the file or estimate notes, include the building ordinance or county code required documentation.
What is a Shingle Gauge used for?
Shingle type and Shingle quality
A _________ rule is a guide adjusters use to determine how far USAA must go to repair the property to its pre-loss condition. This is determined by looking at the damaged property at street view.
Line-of-sight
A member’s exterior decking was recently damaged. USAA determined they will pay for damages. The member wants to do the repairs themselves or have a friend who is a local contractor complete the repairs. How should the adjuster explain depreciation assuming depreciation applies?
Use the same criteria for estimating the repairs when member is self-repairing and Not release recoverable depreciation, unless we have proof of completion or member has signed General Contractor
When handling a hail loss, USAA determined that a front elevation can be repaired. The contractor states that the exterior aluminum siding is unrepairable and requires a total replacement. The contractor also found additional damages to the home. What would the adjuster need to review to support the contractor’s supplemental estimate?
ITEL report, Additional photos of new damage, Line-of-sight
The member’s home has a gable tile roof. The front slope of the home was damaged by a covered loss. The member is concerned that his tiles will not match the color of the roof due to the change in color from sun exposure. How is this circumstance handled with a Colorado homeowners policy?
Replace the damaged slope only; uniform appearance has been achieved.
If a roof is needing to be replaced but there is no damage to the solar panel, how would we handle the solar panel?
We would detach and reset the solar panel since there is no damage
When handling losses to a home’s decking, it is important to consider_________ when reviewing contractors estimates and photos.
Decking is unfinished in photo vs being stained in contractors estimate. Deck is painted in photos vs. deck being stained in contractors estimate. Decking Materials are wood, and estimate is replacing with Trex or composite decking. A uniform appearance has been achieved.
Due to hail damage on fiber cement siding, the estimate should include which Xactimate line item to indicate the needed repair? Assume the member’s current building materials were painted within the last two years and were originally pre-primed and had one coat of paint.
CLN PWASH and PNT X1
A contractor submits an estimate for repairs for a member’s home that was damaged in Spotsylvania, VA. It includes 15% for overhead and 10% for profit. Based on this information, what does the adjuster need to approve the costs of overhead and profit?
15% overhead and 10% profit are acceptable for a Spotsylvania, VA claim, Reasonable expectation that services of a General Contractor listed are necessary to coordinate repairs, There are multiple approved and recognized skilled trades represented in the estimate
What should the adjuster look for when looking at photos of a wood shake roof to rule out wear and tear?
Old cracking/splitting of shingles, Warping, Curling shakes/wood shingles
A member’s stained, wood decking was recently damaged in a hailstorm. The size of the hail and the damage is substantial and caused deep indentations in the wood. In this case, how would repairs be handled?
Replace damaged decking and re-stain to obtain uniform appearance.
When scoping a loss, it is important to know that siding materials have different characteristics. For example, fiber cement board/HardiePlank can be purchased raw, preprimed, painted, or with a baked finish. This information helps adjusters determine the extent of required repairs. What are some additional questions an adjuster may ask the member to scope a loss where painting might be required? Assume that damages are determined to be a covered loss.
When was the area last painted? Is there a clean break in the line-of-sight? Does the member have matching paint? Or is this paint still available?
All statements about awning windows are true EXCEPT?
a. Must be replaced with newer windows.
b. Are older windows common in coastal areas.
c. Modular in design.
d. Parts can still be ordered.
Must be replaced with newer windows.
A contractor submits an estimate for repairs and includes the cost for an ice and water shield that was not previously on the home. What must the adjuster have in order to approve the expense for the ice and water shield?
Supporting documentation (photos, material, receipts etc.), Code requirement substantiation (county, city, municipality, etc.), Verified building ordinance or law coverage.
A tree fell on a member’s home and the home has aluminum siding. When reviewing the contractor’s estimate and photos, the adjuster should look for _________.
Photos showing the siding profile. Estimates for the replacement siding, match the gauge of the siding that was used in the home’s construction. Photos showing the cause of damage, in this case the tree. Materials from Discontinued Materials, Inc. if a match is no longer produced.