Policy
Name 3 Losses Not Insured / Exclusions
Wear and Tear, Rot, Deterioration, Defects, Weathering, Continuous Leakage, Flooding, etc
What tool is used to determine which inspection option we will use to inspect the damaged property?
FIOT-Fire Inspection Options Tool
How do you order an Eagleview Report?
Create the project in XM. Select the project in your Local Projects, then click the "Request Data" button (the house + tree icon).
Where can I find the phone number to ILR – Initial Loss Reporting?
Fire Core Property Homepage
A storm caused wind damage to the roof and water damage to the interior of the bedroom.
Coverage for exterior and interior ADPL.
What amount does the policy cover for Wood Fences?
Actual Cash Value
Give an example of a good opportunity to complete a virtual inspection (video call).
Fence damage, contents damage, minor interior damage, etc
If we are replacing all of the shingles on a slope of the roof, would we cover the drip edge on that slope?
Yes
Certain states require us to include specific language in denial letters. Where can I find this info?
Jurisdictional References
NI has an apartment with a renter’s policy. Water leaked into the apartment because the roof was worn out and damaged NI’s personal property.
No coverage because the water did not enter through a storm-created opening.
What are the conditions for Tree Debris Removal coverage?
The tree has damaged Cov A property or a tree felled by wind/hail/snow blocks access to the home.
What are the conditions for a REIAP assignment?
When would GCO&P be appropriate to include on an estimate?
When the repairs are complex and require additional coordination between trades.
I want to send a claim to CCT (Centralized Contents Team) for assistance, but don’t know what to put in my file note. Where should I look?
SCP’s and/or ECS File Note Templates
A tornado causes wind damage to NI’s house, truck, and detached garage. NI runs a small business out of the garage for appliance repairs.
Coverage for the house. No coverage for the vehicle or other structures used for business.
What does Option ID provide?
Increased Dwelling – Provides additional coverage if the claim exceeds the Cov A limit
StrikeCheck and HVACi can be used to help assess what types of claims?
Claims involving lightning/power surge damage to large appliances and air conditioning units.
What is the “Picture Frame Method”?
A way to write an estimate or complete repairs that blends the repair into the rest of the undamaged wall/ceiling.
Where can I find information and diagrams related to construction methods?
ClaimsNet
During a storm, wind blows down several trees. One of the trees hits the house. Another tree falls into the street. The heavy rain causes mud to slide into the in-ground pool.
Wind/tree damage to the house is covered. Trees that just fell in the street or yard are not covered. No coverage for the mudslide.
What is the difference between an A1 and an A2 policy?
A1 covers the cost to repair with similar construction. A2 covers the cost to repair with common construction.
Explain the benefits of CSP - Contractor Services Program.
Helps the insured choose a contractor. CSP offers a warranty on the repairs if they use the program. Fast response time. Helps us get an estimate and pay the insured faster.*
If I’m replacing a section of drywall, what else should my estimate include?
Texture, paint, debris removal. Possibly insulation, contents manip, masking, D&R fixtures.
Where should I go to find in-depth info about water losses?
OG’s – Operation Guides
Wildfire caused damage to NI’s above-ground pool, shared fence, grapefruit trees, and boat trailer.
Pool is covered. Shared fence is covered for 50%. Trees are covered, as long as they are not used for business. Boat trailer is covered, subject to special limits.