Coverage Position. The file documentation should be straight forward to interpret and support the overall coverage position The agreed scope of the loss should establish both covered and non-covered damages. The telephone or field investigation based scope of loss will be determined by the unit-level procedures. Supporting photographs and sketch diagrams are to be imported with the Xactimate estimate. The file should be well-documented in file notes to support the scope rationale.
Coverage Position. The file documentation should be straight forward to interpret and support the overall coverage position The agreed scope of the loss should establish both covered and non-covered damages. The telephone or field investigation based scope of loss will be determined by the unit-level procedures. Supporting photographs and sketch diagrams are to be imported with the Xactimate estimate. The file should be well-documented in file notes to support the scope rationale. • Date taken and by whom • All available exterior elevations o Front elevation with address verification is the only requirement for condominium risks • Verification of the address • Support of the damages including damage close-up and room overviews • Undamaged areas relevant to the location of the direct physical damage; i.e., undamaged cabinet faces, continuous surfaces, etc. • Correct labeling, correlating to the Xactimate Sketch • Roof slopes and pitch for applicable causes of loss including: o Roof layers, drip edges, gutters, vents, jacks Diagrams - Are required in Xactimate Sketch and should follow the roof and / or risk floor plan relevant to the damages found and / or reported. Pod diagramming is prohibited. Diagram should include: • Measurements +/- 3” of actual dimensions • Include ceiling height adjustments when appropriate • Doors, openings, Reference Areas and Reference Blocks 32 SF or greater with areas under, behind and above factored out appropriately o Reference Areas / Blocks include tub and tile surrounds, cabinets and built-ins, etc. • Point of origin notated • Exterior elevations when relevant to the loss or damage • Aerial diagrams are an acceptable alternative to roof sketching in Xactimate if the damage has been verified by the Adjuster’s inspection and photographs • Conduct a physical inspection, if needed • Determine if a Content Unit referral is appropriate • Consider policy provisions with regard to Personal Property (Coverage C) Limits and Exclusions • Complete Citizens’ Personal Property Inventory Form (PPIF). Insured should sign the form if completing it without the Adjuster’s assistance. The PPIF should include: o Item description, brand, serial and model number o Cost o Age March 2017 Back To Top 12 • Consider alternative forms for smaller Personal Property claims or ones adjusted through verbal (telephone) reporting • Provide supporting ownership documentation as reasonable. This may include: o Receipts, credit card statements, cancelled checks o Photographs o In...
