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24 Replies and 18181 Views
O&P Question 18181 24
Started by randellmorgan
Irrespective of the policy forms and endorsements, do you always apply the same criteria for general contractor overhead and profit, (applied when 3 or more trades are involved). That criteria being when overhead and profit is included, do you always pay 10 and 10 on an “ACV” basis regardless of the type of policy or endorsements
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by Ray Hall 11/19/2007 4:31 PM |
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4582 |
09/21/2007 12:36 PM |
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7 Replies and 6101 Views
waste factor for a conical turret roof 6101 7
Started by RandyC
I'm trying to tweak up my macros and sketch templates. Does anyone have a fairly trustworthy waste factor for conical turret roofs they could share
Thanks,
Randy
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by Nicka078208/29/2007 11:15 PM |
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12 Replies and 7485 Views
Trader, Pressure Wash a Roof?! 7485 12
Started by Jud G.
Ok, I'll bite. I want to know what covered peril in your standard ISO form policy would trigger the allowance of pressure washing the fungus off a roof.
Trader brought this up in another thread and after Steve indicated that there were over 40 articles out there about pressure washing roofs, this subject would suffice for a separate thread.
My first reaction to this repair is to know if this is even a repair to begin with Wouldn't you tear up your asphalt or fiberglass shin...
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by MarCat08/19/2007 9:59 PM |
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12 Replies and 4843 Views
HOA vs. Insd's Special 7 on a condo patio enclosure... 4843 12
Started by PeakPhil
Long time reader, first time poster here...
Hail Storm occured in Ohio.
A HOA carrier is denying coverage on a patio enclosure, which is attached with no gaps to a single-unit dwelling. The patio was built by the original homeowner, who still owns and occupies the dwelling full-time. The homeowner purchased a Special 7 "Elite" policy from a carrier to insure her belongings, as well as the enclosure.
The I/A for the HOA is stating no coverage because the polic...
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4843 |
by PeakPhil08/15/2007 12:51 PM |
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12 Replies and 6093 Views
Flood Question 6093 12
Started by rbryanhines
Does the flood policy allow for content manipulation. Any thoughts
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6093 |
by Wally08/14/2007 7:52 AM |
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25 Replies and 24402 Views
Line of Sight Issue 24402 25
Started by PvtNvestigator
Good evening all.
I would like to get some of your input in the line of sight matching issue as expressed in states such as Florida & Ohio. I have heard it explained in several different manners with the most recent being that it is as viewed from the front of the residence only and across the street. I am going to research legislation on the matter, but thought that I would get a new topic going.
Bill R.
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by HuskerCat07/22/2007 11:22 PM |
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9 Replies and 6558 Views
Ordinance or Law exclusion 6558 9
Started by Leland
I adjust some DP policies that exclude "Ordinance or Law, meaning enforcement of any ordinance or law regulating the use, construction, repair or demolition of a building or other structure, unless specifically provided under this policy."
Some carriers believe this means no coverage for building permits. Some will pay for building permits, just not code upgrades. I always respect the carriers opinion. What do my fellow adjusters think
Leland
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by RandyC06/06/2007 2:39 PM |
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15 Replies and 6253 Views
granule loss 6253 15
Started by RandyC
A topic that never seems to go away is that of granule loss to a composition roof. Reports are published by firms like Haag and the manufacturers themselves explaining how granule loss is normal, but still homeowners, encouraged by PA's and lawyers, collect granules from their gutters to prove their loss.
It seems to me granule loss is much like mileage on a new car. A new car begins accumulating miles before it is even sold...just like a shingle loses granules before it is so...
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by JimGary04/22/2007 5:21 PM |
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25 Replies and 10813 Views
House Fire--A simulated claim for discussion 10813 25
Started by host
(tropic transfer posted by racko)
To kill some time in this lull period & spread some knowledge, here is the scenario (or scenarios) as you see fit to make it. I will lay out the limited info as follows, and let's see where it goes. Heavy fire loss occurs in a single family dwelling. Cov is HO-3, no issues with eff dates. Insureds have just left home about 6:00 p.m., a couple hours before fire breaks out and is discovered. High winds fan the flames and ea...
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by host03/24/2007 10:31 AM |
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7 Replies and 4918 Views
Ordinance Or Law 4918 7
Started by Gary
How would you handle this Ordinance or Law claim The following information does not suggest a specific claim but is used as an example.
The endorsement reads as follows:
Ordinance Or Law
a. You may use up to 10 of the limit of liability that applies to Coverage A for the increased cost you incur due to the enforcement of any ordinance or law which requires or regulates:
(1) The construction, demo...
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by jlombardo02/23/2007 7:39 AM |
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19 Replies and 7827 Views
Who is entitled to salvage?? 7827 19
Started by wscook
Here we go again!!!
Consider these circumstances!
The insured has extensive damage to personal property and insurers have paid for some, repaired some and agreed for the insured to throw some items away. The insurers have issued a check and claim rights of ownership to any salvage and have requested to come pick up the salvage prior to the agreement of the insured that contents claims have been resolved. We note for information that the insured has other &...
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by dparsons02/22/2007 11:33 PM |
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1 Replies and 3948 Views
Depreciation on contents 3948 1
Started by adjuster74
I am a staff adjuster. My company uses the depreciation guide from claimspages.net. It has not been updated since 2004. It does not show depreciation on CDs, Playstation games, DVD Players, Electronic video games, such as, X Box, Playstations, etc. Could someone tell me a website to go to that will show me a more updated depreciation guide with these items on it.
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by Ray Hall02/22/2007 12:12 PM |
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6 Replies and 4215 Views
HO-8 policy 4215 6
Started by mr.goaliedad
i am handling a claim where the insured had roof damage. The exterior is made of comp shingles. Underneath they found slate. The insureds city is requiring him to replace the roof with slate for historical issues. We paid the insured for replacing the comp shingles and slate that is considered an underlayment, but we applied 90 depreciation to it. This represents $1,000's of dollars and the insured is not happy. The was alot of interior water damage, which attests to the fact that the slate und...
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by rbryanhines02/17/2007 1:50 AM |
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1 Replies and 7132 Views
Basic understanding of the HO3 policy 7132 1
Started by host
Forum Transfer: First posted by margar 9/20/2006
For new folks in the industry here is a site I have found that outlines the basic HO3 policy. While this may be mundane to some the 3 day license mills cannot possibly cover in detail the policy. This may be insightful so that the broad coverage forms can be accessed right from your laptop. It would probably be a benefit to all the newbies to save this site to their favorites. Note : This is a generic outline policy changes will vary depending on...
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by mr.goaliedad02/13/2007 1:41 PM |
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25 Replies and 8252 Views
Definition of insured 8252 25
Started by nwest
I have a question regarding the definition of the insured and under that definition who all is covered. I am doing Cov A on a large fire loss. Another adjuster is doing Cov C. In this scenario, the Named insured, his Mother, and his "partner", are living in the house. I know that the mother is covered, shes family. My question is, are the contents of the "partner" covered He is not a relative, or a spouse, and he is not under the age of 18...
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by HuskerCat12/26/2006 2:21 PM |
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4 Replies and 4200 Views
Endorsments 4200 4
Started by searcher2k
Is there any where online that list all endorsments and what they cover
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by JackFlash10/19/2006 11:04 AM |