The Property Claim Field Guide
Coverage, inspections, estimates, and tools // Est. 2025
All Field Guide Files
Browse coverage analysis, inspection guides, estimating and supplement guidance, and roofing tools and resources.
Showing 25 Field Guide files.
Anti-Concurrent Causation Clause Guide
How anti-concurrent causation clauses affect property claims involving covered and excluded causes, with allocation examples and jurisdiction notes.
Cosmetic Damage Exclusion Guide
How cosmetic damage exclusions apply to roof claims, including policy wording, present function, inspection evidence, and the Cannon Falls decision.
Ordinance or Law Coverage Guide
A practical guide to ordinance or law coverage, including Coverages A, B, and C, code requirements, limits, and claim documentation.
Coinsurance and Insurance to Value Guide
How property-policy coinsurance and insurance-to-value provisions work, with formulas, examples, valuation issues, and related endorsements.
Functional Replacement Cost Clause Guide
How functional replacement cost changes the repair or replacement benchmark for buildings and business personal property.
Protective Safeguards Endorsements Guide
How protective safeguards endorsements affect fire coverage, including maintenance duties, notice requirements, state-law limits, and claim review.
Margin Clause Guide
How margin clauses limit recovery under blanket property coverage, with calculation examples, statement-of-values issues, and related limits.
Agreed Value Clause Guide
How agreed value provisions interact with coinsurance, policy limits, statements of values, and business-income coverage.
Appraisal Clause Guide
A guide to property-insurance appraisal clauses, including scope, causation, panel authority, awards, deadlines, and state-law differences.
Guaranteed Replacement Cost Guide
How guaranteed and extended replacement cost coverage work, including rebuilding conditions, limits, ordinance costs, and total-loss examples.
Debris Removal Coverage Guide
How commercial-property and homeowners policies cover debris removal, including limits, calculations, deadlines, and common exclusions.
Ensuing Loss Clause Guide
How ensuing or resulting loss exceptions can preserve coverage for separate damage that follows an excluded cause.
Vacancy Clause Guide
How vacancy clauses change commercial-property and homeowners coverage, including definitions, time periods, reductions, and endorsements.
Roof Inspection Checklist for Property Claims
A roofing inspection checklist and roof inspection report template for documenting roof systems, measurements, photographs, scope details, and limitations.
Storm and Hail Damage Roof Inspection Guide
How to perform hail and storm damage roof inspections and roof damage assessments using weather context, collateral evidence, and representative sampling.
Water Damage Inspection Guide and Report Checklist
A water damage inspection guide and report checklist covering source, migration, Category and Class, moisture mapping, affected assemblies, and documentation.
ACV vs. RCV: Actual Cash Value vs. Replacement Cost
ACV vs. RCV in property insurance: how actual cash value, replacement cost value, depreciation, policy limits, and loss-settlement conditions affect payment.
How to Supplement a Roof Claim Step by Step
How to supplement a roof claim in eight steps, from the inspection to the final invoice: F9 notes, evidence, code items, O&P and tax, and denials.
Wind Hail Deductible: How the Percentage Works
A wind hail deductible is often a percentage of the dwelling limit, not the loss. Where to find it, how to calculate it, and how hurricane deductibles differ.
Aerial Roof Measurements: Reports Compared
Aerial roof measurement reports for claim estimates: eight providers compared, how to choose one, and when you still need a tape on the roof.
Hail Reports: Free and Paid Sources for Claims
Hail reports for claims: free NOAA and SPC sources, paid reports by address from Benchmark, CoreLogic, Dorothy, and HailTrace, and how to check a date of loss.
Customer Financing for Contractors: How to Choose
Customer financing for contractors: seven programs compared, how to choose by cost and payout, and how financing fits a roofing insurance job.
Roof Pitch Calculator
Enter a rise, an angle, or a slope percentage to get the roof pitch, its angle, and the pitch multiplier for your takeoff.
Roof Square Footage Calculator
Enter a footprint, each roof plane, or a measurement report's total to get the true roof area, roofing squares, and squares with waste.
Shingle Calculator
Enter your squares, pitch, and edge lengths to get bundles of shingles, starter, ridge cap, drip edge, ice and water shield, and underlayment.
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