Water Mitigation
This category is when there is a clean water loss.
Category 1
This question is absolutely mandatory when starting a recorded conversation.
Do I have your permission to take this statement.
This word is defined by neither you nor your guest has slept overnight in the residence premises for a period of 30 consecutive days.
Unoccupied
Roof for Fire and Lightning Only states this.
It is agreed that the roof on your Dwelling is only covered for losses caused by the perils of fire and/or lightning. It is further agreed that there is no coverage for damage to the interior of the dwelling, if such damage is due to the failure of the roof which is caused by a peril other than fire and/or lightning.
This is the minimum number of alerts required on a claim at all times.
2 (The 27 day alert and the claim status/pending alert)
This class of loss is where there is a significant amount of water, absorption and evaporation load? Water intrusion where wet porous materials represent between 5% - 40% of the combined surfaces.
Class 2
Should every question be asked on template?
No. Only the questions that apply to the loss.
Awnings, carpeting, domestic appliances, outdoor antennas and outdoor equipment including heating and cooling units, whether or not attached to buildings are settled at this.
Actual cash value.
Difference in Conditions Endorsement excludes these perils.
• Fire or Lightning.
• Internal explosion, meaning explosion occurring in the dwelling or other structure covered on the insured location or in the structure containing personal property covered.
• Windstorm or Hail.
• Explosion.
• Riot or Civil Commotion.
• Aircraft, including self-propelled missiles and spacecraft.
• Vehicles.
• Smoke, meaning sudden and accidental damage from smoke.
• Volcanic Eruption.
• Vandalism or Malicious Mischief.
• Any loss excluded in Section I – Exclusions.
Once approved, denial and partial denials should be sent to these individuals.
Named insured and agent.
This class of loss is where there is water intrusion with water that is hidden, trapped or bound within low evaporation materials or low evaporation assemblies.
Class 4
This is the amount of time you have from FNOL to make first contact.
2 hours
These are the insured's duties after a loss has occurred.
Per the Dwelling Purchased Through Foreclosure endorsement, this happens if you have a loss within 90 days from the inception of the policy.
The deductible doubles.
Prior to requesting coverage review or payment this note must be completed. When payment is being requested this additional document must be completed.
Claim Summary and Financial Summay
This is what you should you do with carpet and carpet pad during a category 2 loss.
Remove carpet pad and clean the carpet unless delaminated.
This is where you should look to see if any recent adjustments were made to the policy.
Notes and attachments on the policy side in BriteCore.
Personal property is covered due to rain water only when this occurs.
A storm created opening.
Per the Replacement Cost Coverage for Personal Property, any loss above this amount will be paid at actual cash value until actual repair or replacement is completed.
$500.00
When needing to escalate a CodeBlue water mitigation concern, you should send an email to this address.
clientservices@codeblue360.com
This is the term meaning the practice or procedure is mandatory due to natural law or regulatory requirement.
Shall
After you are certain that you have obtained all important details what steps should be done prior to ending the recording.
a)Outline coverage information and their policy limits (where applicable), the deductible, and any coverage concerns. Important: keep in mind that we should never state on the statement that the loss is or isn’t covered; if asked, just advise that a coverage determination cannot be made until we have completed our investigation and gathered all necessary documents.
b)Advise the Insured of all required documents that pertain to that specific loss (plumber’s report, police report, roofer’s bid, mitigation contractor’s summary, etc.); let them know that we will be sending an IA and/or leak detection company.
c)Verify if there are any other details they want to provide?
d)Thank them for their time and assure them that they can contact you with any questions or concerns, no matter how trivial.
e)Conclude the call by advising that you are stopping the recording.
If a loss covered under this policy makes that part of the residence premises where you reside uninhabitable, we cover:
Additional Living Expense, meaning any reasonable and necessary increase in living expenses incurred by you so that you can maintain your normal standard of living.
Payment shall be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for you to settle elsewhere.
Per the Service Line Coverage, these are the covered perils.
a. Wear and Tear;
b. Rust or other corrosion, decay, deterioration, hidden or latent defect,
c. Collapse; but not including sinkhole collapse,
d. Electrical and mechanical or pressure systems breakdown; or
e. Freeze.