Cov C - Loss of Use
Name 3 different expenses that might increase for a family when their home becomes uninhabitable.
Lodging, Mileage, Food, Laundry, Pet Boarding, Utilities, etc.
Why is it critical for our insureds to mitigate their loss?
Mitigation prevents the situation from getting worse. Water damage specifically can lead to other non-covered losses like mold or rot.
If you ask the insured to submit a copy of their tree removal invoice, what letter should you send out?
RFI - Request for Information
If FIOT lists Document Upload as an option, what does that mean?
Insured submits their photos/documents for us to review.
Do we cover solar panels?
Yes, if they’re damaged by ADPL.
When the insured is submitting ALE receipts for restaurants, do we cover tips?
Yes (within reason)
Can the water mitigation contractor also do repairs for the insured?
Some do, some don't. You would have to ask the contractor.
What type of letter is signed by a Team Manager?
ROR - Reservation of Rights
What conditions are required in order for us to use REIAP?
There has to be roof damage on a 2-story or steep roof. REIAP can only inspect exterior damage.
If we are replacing a slope of the roof, would we cover the drip edge on that slope?
Yes
What is the time limit for the Prohibited Use coverage?
2 weeks
What is the purpose of the Water Mitigation Dashboard?
To help us review/reconcile incoming water mitigation estimates.
When would we send a Withdrawal Letter to the insured?
Insured withdraws their claim after we have begun investigating/opened a COL.
Provide an example of when you might consider completing a Virtual Inspection (video call).
Low-complexity damage that can easily be reviewed over video. Fence or shed damage. Contents damage. Using REIAP for exterior and Video Call for interior.
An insured has a tile roof. The roof has begun to leak, but the tiles themselves do not appear to be damaged. What might be causing the leak?
The underlayment or decking may be failing. The tiles may have been installed incorrectly.
Can we cover alcohol purchases on ALE receipts?
It depends! Drinks with meals can be considered part of their food costs. Going to a bar and just ordering a bunch of drinks is recreational, not a living expense.
Can we pay our PSP MSP (Mitigation Service Provider) directly?
Yes, we pay corporate Servpro / Servicemaster / Alacrity, not the local branch.)
Why do we need to use the Word Processing Self-Service for ROR and Denial letters instead of Forms & Corr?
WPSS allows us to bring in policy language and apply digital signatures.
What are the benefits of RSP?
Helps the insured find a CTR and obtain an estimate. RSP offers a 5-year warranty on their work if the NI uses them for the repairs.
If we wrote an estimate to repair a roof, but the CTR wants to replace it, what can the CTR do to support their stance?
Video call with us to show us their concerns, provide documentation stating why a repair is not possible, provide documentation stating that comparable materials are not available.
A fire totally destroys our insured’s home. How long will their Homeowner policy provide ALE for?
Shortest of these: Time to rebuild home // Time to settle elsewhere // 2 years
Explain your overall approach when reviewing a mitigation estimate.
Review the scope and compare it to photos/notes. Utilize the Water Mit dashboard to verify the amount of equipment used. Use XM to verify CTR’s pricing.
How often do we need to send a Status Letter on a claim?
It varies! Check Jurisdictional References as needed. Some states do not require them.
What can we use companies like HVACi and StrikeCheck for?
These are experts who can assess heating, A/C, or other specialty equipment. They can confirm the COL and/or repairability of the items.
What is Mechanical Damage?
Damage resulting from human activity, whether accidental or intentional. Footfall, careless handling of tools/equipment, knife cuts, golf balls, etc.