ASI Field Training Guidelines Quiz

Claim Inspection Timelines

• Inspections and estimates must be uploaded in XM8 within 4 calendar days from claim receipt.
• Preliminary estimates must be uploaded on the same calendar day if a final estimate cannot be completed.

Roof Replacement Threshold

• The threshold for slope/total roof replacement is set at 25%, referred to as the 25% rule.
• Adjusters may make judgment calls, but anything above 50% typically necessitates a total replacement.

Coverage for Other Structures

• Generally, Other Structures are covered at Actual Cash Value (ACV).
• Replacement Cost Value (RCV) coverage is warranted if:
  • The other structure is highly valuable.
  • The dwelling limit exceeds $500,000.
  • The structure is a total loss.

DP 04 76 12 02 Endorsement Features

• This endorsement changes coverage to Replacement Cost Value (RCV).
• It provides $5,000 coverage for sump backup or overflow incidents.
• It does not exclude coverage for Other Structures.

Shingle Damage Criteria

• Shingles are considered damaged if they are:
  • Torn, missing, or exhibiting clear signs of granular loss.
  • Creased, delaminated, or missing, indicating compromised integrity.
• Missing shingles typically cannot be repaired.