QFC
What are the 3 different kinds of QFC templates?
Wind, Water, Other
A storm caused wind damage to the roof and water damage to the interior of the bedroom.
Exterior and interior ADPL is covered.
If the claim includes structure damage, contents damage, and ALE, how many times do we apply the deductible?
One
What is the purpose of FIOT?
Tells us what inspection methods to use.
What is RSP used for?
Estimates with only roof damage and no coverage concerns.
What should you do if you’re unable to reach the policyholder after multiple QFC attempts?
Contact the agent’s office before closing the claim.
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 wind/hail-created opening.
What is the Picture Frame Method?
A way to write an estimate that blends the repair into the rest of the undamaged wall/ceiling.
What mapping application/website can we use to obtain measurements and photos for our claim handling?
Eagleview ConnectExplorer and NearMap
What types of roofs can we use REIAP for?
Steep and/or 2-story roofs
What two items should you highlight in your QFC file note?
FOL and preferred contact info for NI.
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 can I click in XM to get clarification about what is or is not included on a specific line item?
Item Image > Click for Detail
Explain how you would determine what tasks to work on first after logging into your computer in the morning.
Check Task Totals in ECS. Work items with short SLO's first, like new claims, voicemails, phone messages, ECC.
What do we do if the insured doesn’t want to use the CTR that writes the CSP or RSP estimate?
NI can choose their own CTR and get another estimate.
When should you run an ISO report?
Policy is less than 2 years old.
Wildfire caused damage to NI’s above-ground pool, shared fence, grapefruit trees, and boat trailer.
All of these are covered*. Boat trailer is subject to special limits. Shared fence is covered for 50%.*Ask the insured if they sell the grapefruits.
If I’m replacing a section of drywall, what else should my estimate include?
Texture, paint, debris removal. Possibly insulation or contents manipulation.
What are two things we can use the ECRM Customer Search to find?
Limits/deductibles on a specific date, agency info, policy start/end dates, NI’s other policies, confirm Named Insureds, etc.
How do we convert a CSP estimate to a SFE?
Apply deductible, apply depreciation, review the scope.
What is something that isn’t in the official QFC templates that you should add to your QFC note?
Contact person, FIOT results, ALE details, explaining ClaimsHub, etc.
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.
Coverage for ADPL to the house. The tree that hit the house has coverage for removal and limited coverage for tree debris. No coverage for mudslide or the other trees.
Explain or give an example of when GCO&P would be appropriate for an estimate.
When the repairs are complex or require additional coordination/management. When multiple trades are working in the same area and need to work in a specific order to complete the job.
What should I do if CDE (Carrier Direct Endorsement) says, “No records found"?
Include the mortgage company on the payment.
Which programs allow us to pay the CTR directly?
MSP and FIP (Mitigation and Flooring)