Public Adjuster
True or False
Anybody can discuss any facts regarding the damages and repairs so long as the policy and coverages are not discussed.
True
Paint interior one coat.
PNT P
Roofing items, such as shingles and felt, use what type of calculation method? Eg. square feet. Linear feet. etc.
Square. (SQ)
What directly under the shingles?
Felt. (underlayment)
What is the general flow of items that should be used?
In the relative order of the work. eg. remove items first, then replace items.
"Your supplement is denied." How do you respond?
Thank them for their review. Advise that you will relay it to the contractor. Come back with more or different documentation on the next round.
Don't just give up!
True or False:
It is ok to ask, "Where in the policy does it say O/P is not owed?"
False. This would be 'acting as a public adjuster.'
Macros are cheating. Yes/No.
Sort of. Justify your answer for credit.
(Nobody said this was gonna be easy)
What is the X8 calculation function for the ridge shingles?
"R"
What are the two main types of shingles that you will see?
3-tab and laminated. (also called architectural or HD)
If O/P has already granted by the carrier, do we use the same opening statement?
No. We do not the O/P opening statement. We instead include an opening statement asking for approval for the missing items.
This doesn't warrant O/P. How do you respond?
Ok, I understand. Since we're talking about O/P, what is the general standard for your company for when it is warranted? (Get them to put what they need in words, then see if you can prove it to them with their own standard)
True or False:
Asking if there is there code upgrade coverage in the policy is ok.
False. We can ask for something to be covered, but asking if there is coverage would be acting as a public adjuster.
When required by code, how much ice and water shield is required to be installed?
From the eve up to 2' past the inside of the hot wall.
What is the correct calculation in X8 for ridge cap shingles on a hip roof?
R+HIP
Identify which of these is a cricket. (see image)
Bonus question: How wide does the chimney need to be to need a cricket?
Bonus Question: How wide does a chimney have to be to require a cricket?
It is appropriate to include a waste factor on steep and high installation charges? Yes or no.
Yes.
Are you a public adjuster?
No!
Bonus question: What should you say after you firmly say no?
True or false:
We at GCES assist in negotiation the claim and items that are to be paid.
False. We do not negotiate. We ask nicely and provide reasonable and adequate documentation for why something should be paid for.
DRY MNRP is what?
Drywall labor and material minimum charge.
Bonus question: What is included in the 'materials' portion of this line item?
How do you calculate how much ice and water shield you need?
VAL x 3.
Roof design #4.
Hip.
What do we do in the estimate to point out the line items that are different from the insurance estimate?
Bold them.
If an adjuster offers you 5% overhead and 5% profit, what do you say?
Yes times 100.
Bonus questions: your contractor complains that he wants 10% and 10%. What do you tell him?
The carrier states, "You are acting as a public adjuster!"
What do you say?
My apologies for anything that was unclear on my part. I am merely the estimator and office person. I am just the go between to make everybody's day easier. I don't know very much about policies.
What is the code for asphalt starter strip?
RFG astr-
What calculation do you use for starter strip?
"P" for perimeter.
Bonus question: If you do not have the sketch in the file, how do you figure out what the perimeter is?
Roof design #6.
Gable Wall.
When would we recommend a public adjuster be involved a claim? (give at least 2 reasons)
Turbine vent.
Roof design #5.
Abutment.
A contractor is rude to you. What do you do?
Tattle to Sarai and Dallas.