Contact & Communication
How soon must first contact be made on a new loss?
What is 24 hours?
The document needed before issuing payment on a contested coverage or theft loss.
What is the Proof of Loss?
These are the three valid formats for writing an estimate.
What are bottom-to-top, order of construction, and top-to-bottom?
Before going on PTO for a half a day or more, this must be in place to ensure claim coverage.
What is your backup buddy?
This peril requires confirmation of wind speed and a weather report.
What is a fallen tree claim?
This messaging platform must be checked daily and is used for texting policyholders.
What is HiMarley?
This amount or higher requires including the lienholder on a dwelling settlement check.
What is $15,000?
This standard percentage is applied for Overhead & Profit.
What is 10% overhead and 10% profit (20% total)?
This is the very first photo required in every inspection photo sheet.
What is the front of the risk?
This winter peril is not a named peril under Coverage C.
What is Ice Dam?
The required number of contact attempts over the first 3 business days if a customer has email and text.
What is 7 attempts?
In Pennsylvania, adjusters must be aware of this ordinance when issuing payment.
What is the PA Escrow Ordinance?
This system-generated rate must be selected in Xactimate based on date and zip code.
What is the tax rate?
Your photo set should include these four views of the property.
What are front, rear, left side, and right side elevations?
This peril requires the insured to confirm they either winterized or provided heat.
What is Freeze?
This letter must be sent every 30 days a file is open
What is the delay letter (HOMEDELAY)?
Recoverable depreciation of this amount or more requires a reinspection.
What is $40,000?
Estimates must include this type of report if a supplement exceeds $500 or 5% of RCV.
What is a comparative estimate?
During inspection, these types of photos should be taken even if no damage is found.
What are overview and condition photos of undamaged areas?
This code must be used when calculating the cost of tree removal.
What is DMO TREEHR?
If the insured is unresponsive after 5 days, this is the process.
What is contact the agent, send a no response letter, and close the file.
This letter is used when recoverable depreciation is applied.
What is the HACVS letter?
These are two things you should never apply depreciation to.
What are cleaning and debris removal?
This type of expert must be hired within 24–48 hours on a $50K+ fire loss.
What is a Cause and Origin expert?
If you're inspecting a roof with hail damage, this specific method must be used to determine scope.
What is a test square (10’x10’) with impact count and direction noted?