Policy Verbiage Location
Confirming if a claim is denied under the policy
What is Exclusions
Insured has water damage to the bedroom hardwood floor.
What is does the flooring stop at the doorway or continue into other rooms of the home? If so what rooms does it go into?
What is Actions>Service>water mitigation
Drywall was removed and needs to be replaced.
What is drywall, texture (if applicable), seal (1coat) & paint (1 coat) (area that was replaced), paint one coat all continuous areas less area already painted. (Bonus insulation)
Pipe leaked behind the wall due to a rusted pipe needs to cut open wall to access the leak no water damage noted at this time.
What is we would not cover the pipe but if ensuing damage is found we can cover the ensuing damages from the water.
Confirming if damages to personal property is covered.
What is Perils Insured Against
Fence was damaged due to a wind storm.
What is the material the fence is made of, how many sections are damaged, how tall is the fence, any sections damaged a gate (one or two door), painted or stained?
Opening subrogation on a claim.
What is Subrogation>Edit>Refer to subro (Yes)> High damage (choose option)>Add comments on reason for referral and any info you have pertaining to it.
Flooring was damaged needs to be replaced
What is contents D&R, type of flooring (standard grade), underlayment (if applicable), prep floor (if applicable)
Tree was hit by a car and then fell in the yard. No damages to any structures. Tree removal and/or replacement covered? Limits if any?
What is the tree is covered to be replaced for $500.00 or 5% of the limit of liability (no more than $500.00 for any one tree), Not covered if tree is for business purposes, tree removal is included in the limit of $500
Checking mold limits
What is Limited Fungi, Wet or Dry Rot, or Bacteria Coverage?
Water entered the basement during a storm unsure of source.
What is do you have a sump pump in the basement, any floor drains, doors or windows. Any water near the drain, sump pump, door or coming down from window.
Adding a Vendor using a W9
What is parties involved>Add from Address Book>Add tax ID with dash in Tax ID>choose select on the one that matches the title, DBA, and address>enter Vendor as type
Tree fell on a shed and fence
Water came into the basement during a storm through the window and was also overflowing from the sump pump.
What is we cover the damages from the sump pump overflow only (if there is an obvious dry area between the damages from the sump pump and the window) if no dry area between them cover entire loss up to WBU limit
Checking to see if the coverage has been changed at any time.
What is (state) provisions?
Mold damages to the ceiling in the bathroom
What is is there any evidence of water damages, is there a fan in the bathroom, any possible roof leaks or pipes in area
Checking Payment status
What is Financials>Checks>Click amount that is blue>click payment status.
Shower/tub combo needs to be retiled after water leaked behind the shower tile wall.
What is tub/shower faucet D&R, shower door, enclosure, or curtain rod D&R, Other accessories in shower D&R (handicap grab bar, bench, soap tray etc.), R&R tile tub surround (SF), Cement board or mortar bed R&R, caulk around perimeter of tub, Paint walls (if applicable), addl to tile bench, niche etc.
Insured had a light fixture fall from the ceiling due to rats chewing on the wire and damaged the dining room table below. Table covered? Light covered? Drywall that was damaged when it ripped out? Electrical covered?
What is coverage for the light and drywall. The table is not covered, electrical not covered.
Checking what other endorsements the insured has
What is the declaration page under coverage modifications?
Insured has a plumbing leak behind the shower wall.
What is the material of the shower (tile or fiberglass), tub/shower combined or stand alone shower, If fully tiled does it continue onto the floor of the bathroom? Shower door (enclosure or sliding) curtain rod?
Assigning Wardlaw
What is summary>(Under loss details) click on XactAnalysis>(Select an action dropdown) Choose create duplicate assignment (click go)>Data set drop down choose Water-Wardlaw-Amfam (last one in list)>(Under claim information) choose type of loss>Job type General>choose job size based on amount of invoice>Add attachments (include dry logs, invoice, and photos>Submit>Send assignment
In ground pool liner tore due to a covered loss.
What is swimming pool liner - in ground (SF determined by sides area all 4 walls, x average wall height, + SF of bottom, (include stairs), swimming pool general labor per hour (to refill water), water cost
Insured had a claim a week ago from a leak in a pipe that damaged the living room ceiling. As contractor was cutting down drywall they accidentally cut another pipe that leaked and flooded the entire living room. Insured is filing a second claim for additional damages.
What is we would cover any additional drywall that had to be cut for additional pipe to be repaired (if applicable), pipe is covered, cover any damaged flooring, contents, do not cover to replace initial drywall, painting the ceiling or anything else that would have been covered in the initial claim. Assign subro.