The workflow
Pre-inspection preparation
- Claim file review
- Policy review
- Satellite / aerial imagery
- Prior claim history check
Site documentation
- Exterior 360 walkaround
- Interior room-by-room
- Photo standard: wide + medium + close
- Measurement capture (laser measure typical)
Scope documentation
- Xactimate sketch on tablet or desktop
- Line-item entry during or after inspection
- Pricing from regional price list
- Quantity from measurements
Narrative
- Cause-of-loss description
- Policyholder statements noted
- Observations written up
- Recommendations to desk
Documentation gaps
Photos
- Often only affected areas, no context
- Short time allotted per photo
- Limited angles per subject
- Minimal attic/crawl/HVAC coverage
Measurements
- Rounded down frequently
- Ceiling heights assumed standard
- Ancillary rooms under-measured
Scope
- Basic item selections (not specialty)
- Standard finish assumptions
- Code upgrades not claimed
Policyholder counter-documentation
- Your own photo coverage (exhaustive)
- Your own measurements
- Your own Xactimate estimate
- Scope letter with specific pricing citations