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Last Post 08/02/2010 3:53 PM by  Ray Hall
TWIA Sample File
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Ray Hall
Posts:2443


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07/12/2010 10:35 AM
    I have a 14 page sample file that TWIA Published. This is a bare minimum required by TWIA and most other carriers on a hurricane file. I will PDF back to you if you email me. rhrayhall@gmail.com
    Leland
    Posts:742


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    07/15/2010 8:33 PM
    Thanks Ray for sending me the file. It appears to be done in MSB, but I almost never use that software.

    Just a few questions-

    total roof (shingles) replacement doesn't need a separate line item for ridge cap, flashings, etc? (can't see if there's drip edge).
    does MSB include ridge cap in the basic shingle line item?

    no allowance for mildewcide? Allowing for mildewcide (pennies) may avoid problems later- that's how big red taught me

    no waste allowance on the carpet? It's hard to tell the real waste without doing "drop and roll" an a floor plan (missing), but shouldn't there be some waste allowance?

    no debris disposal? How does the waste get to the landfill? There's going to be 3 rooms of carpet and pad thrown out, drywall, fence posts with concrete, and roofing.
    Does MSB include the trash disposal in the line items?

    Permits not required for re-roof? Should it at least say "as incurred"?

    I didn't see anything about the board up cost. There's a plywood board covering a window. Did the insured do that himself with his own no-cost plywood?


    Also it looks like some depreciation was applied to tear out labor.... is that the Texas way?

    Just some questions, I don't know MSB or TWIA very well so I may be way off base....
    I also looked through it real quick, may have missed something...
    claims_ray
    Senior Member
    Senior Member
    Posts:293


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    07/15/2010 11:29 PM
    I will answer some of these questions without reviewing the file though.

    Most companies I have worked for including do not allow for Mildewcide. They want the damage removed or cleaned as necessary and do not address damage that has not occurred.

    The carpet I would agree should be given a waste factor.

    I have been to only a few Texas cities that have required permits and then I have only addressed permits with a documented quote from the city or an actual bill.

    I do believe that TWIA depreciates labor, material, tear out and replacement and no not every Texas Ins. Co. depreciates this way.
    BeauKron
    Member
    Member
    Posts:20


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    07/17/2010 10:53 AM
    Thanks for the email Ray!

    ~Beau
    Ray Hall
    Posts:2443


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    07/17/2010 4:42 PM
    I did not write this file. I assume someone at TWIA did. It was in the storm manual for Ike.
    BeauKron
    Member
    Member
    Posts:20


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    07/18/2010 6:41 AM
    It all helps. Again, I appreciate it.

    ~Beau
    Ray Hall
    Posts:2443


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    08/02/2010 3:53 PM
    I have the whole TWIA claims manual and the Pilot Flood Manual if anyone in the Houston Area wants to Copy at KinKo,s. Both very very good, complete is the word.
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