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Section 1

Property Inspection Protocols

Standardized procedures for thorough property inspections, evidence collection, and damage documentation.

Initial Scene Assessment & Safety Protocols

Safety evaluation procedures for damaged properties, including structural integrity assessment, electrical hazards, water contamination risks, and environmental dangers. PPE requirements and scene stabilization recommendations.

Checklist
0/8

Assess structural integrity before entering

critical

Check for electrical hazards and confirm power is off

critical

Wear appropriate PPE (hard hat, respirator, gloves)

critical

Identify water contamination category

high

Check for gas leaks or chemical hazards

high

Document all hazards observed

high

Notify insured of any safety concerns

medium

Recommend emergency mitigation if needed

medium

Damage Documentation Standards

Comprehensive documentation requirements including photo/video standards, measurement protocols, moisture mapping, and sample collection procedures. How to create indisputable evidence for coverage determination and potential litigation.

Checklist
0/8

Photograph exterior overview from all angles

critical

Document each affected room with overview shots

critical

Take close-up photos of all damage

critical

Measure and document all affected areas

high

Perform moisture readings and create map

high

Collect samples if mold/contamination suspected

high

Document evidence indicating cause of loss

high

Note any pre-existing conditions

medium

Cause of Loss Determination

Technical methodologies for determining origin and cause of property damage. Wind vs. water damage analysis, fire pattern recognition, construction defect identification, and wear-and-tear vs. sudden accident differentiation.

Checklist
0/7

Identify point of origin for damage

critical

Determine if damage is from covered peril

critical

Analyze damage patterns (wind vs water, etc.)

high

Check for pre-existing maintenance issues

high

Document any wear and tear vs sudden damage

high

Consider need for expert (engineer, fire investigator)

medium

Document causation findings in report

medium

Discussion

Property Inspection Protocols

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Section 2

Field Coverage Analysis

On-site policy application, coverage determination, and reservation of rights documentation.

Policy Application in the Field

How to apply policy language to observed damage during inspection. Identifying covered vs. excluded perils, applying endorsements, and determining applicable limits and deductibles on-site.

Checklist
0/7

Verify policy was effective at time of loss

critical

Identify applicable coverage (A, B, C, D)

critical

Review exclusions that may apply

critical

Review all endorsements for modifications

high

Calculate applicable deductible

high

Verify coverage limits are adequate

high

Document coverage decision with rationale

medium

Reservation of Rights & Non-Waiver Procedures

When and how to issue reservation of rights letters, non-waiver agreements, and denial letters. Proper documentation requirements and legal considerations for protecting carrier interests while maintaining good faith handling.

Checklist
0/7

Identify specific coverage question or concern

critical

Consult with legal/supervisor on ROR necessity

critical

Draft reservation of rights letter

high

Cite specific policy language in question

high

Send within statutory timeframe

high

Document delivery method and confirmation

medium

Continue investigation while coverage is pending

medium

Discussion

Field Coverage Analysis

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Section 3

Estimating Software & Tools

Mastery of estimating platforms and valuation tools for accurate claim settlements.

Xactimate Proficiency & Best Practices

Advanced Xactimate techniques including sketch best practices, line item selection, price list validation, and integration with third-party data. Creating defensible estimates that withstand supplement requests and audits.

Checklist
0/7

Create accurate sketch with proper dimensions

critical

Verify using current price list

critical

Select correct line items for scope

high

Apply regional cost factors

high

Include all affected areas in scope

high

Apply O&P if contractor is involved

medium

Review estimate for completeness before submission

medium

Supplement Request Evaluation & Management

Systematic approach to reviewing contractor supplement requests. Verifying additional scope, validating pricing, and determining carrier responsibility. Documentation requirements for approving or denying supplements.

Checklist
0/7

Review supplement scope against original estimate

critical

Verify additional damage was not previously visible

critical

Compare supplement line items to original

high

Validate pricing is within acceptable range

high

Request supporting documentation/photos

high

Schedule reinspection if needed

medium

Document approval/denial with rationale

medium

Discussion

Estimating Software & Tools

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