Company Claim No.:
This will acknowledge receipt of the assignment on xxx xx, xxxx. We made contact with the insured on xxx xx, xxxx and inspected the damage on xxx xx, xxxx.
Please explain coverage, application of deductible, policy forms, etc. If you were not given this information, request the information in this report. (Please remember, you cannot go to the gunfight without bullets!!!) You need policy information to know what is covered and excluded.
DATE, TIME, LOCATION OF LOSS:
Tell the insurer the time, date and location of the loss. Losses do not always happen at the location of the risk. If the loss resulted from a major CAT event please include the CAT number in this area.
CAUSE & ORIGIN:
The cause of the loss is xxxxxx. Be descriptive and tell them what took place. Explain what happened, how it happened and why it happened in this area.
SCOPE OF DAMAGES:
Please describe damage to the dwelling. Be descriptive and give the client partner as much information as you can. Please explain all damage. Let the client partner know how you are proceeding, how and when the estimate will be completed.
b. Adjacent Structure (APS):
Please describe damage to any adjacent structure. Please follow guide in paragraph above.
c. Unscheduled Personal Property (UPP):
Please be descriptive of any contents items that were damaged. Include an UPP Inventory Form if the client requires you to. You can use the estimating programs to list the items and apply proper depreciation.
d. Additional Living Expense (ALE):
Explain why the insured is unable to occupy the dwelling. Outline your handling to date and what the expected time of repairs will be. ALE losses are normally handled by the client directly and the field adjuster has to know what the client wants them to do on this type of loss.
If a loss is very large or complicated the insurer may require the use of an expert. If you are directed to secure the use of an expert, we recommend you request written authorization to employ experts. Confirm in writing or by e-mail and put in report. (Only use this caption if experts are needed) After you receive their report you will use this caption to discuss their findings. Generally the expert is retained by the insurer and your duties with the expert are very limited; however, each insurer operates differently and you need to confirm with your supervisor on how you should handle these situations.
Explain and what you are doing to maximize salvage recovery. Be sure to secure permission before employing any salvage vendor with client partner before engaging their services.
Explain your theory of subrogation. If subrogation is possible the adjuster needs to provide as much information as possible about the responsible party to the insurer in this caption.
Please find enclosed () photographs we secured of the risk and damage. These photographs are mounted and properly labeled. If you have any distinctive photos please refer to them in this caption so the file reviewer will be made aware of the photo and can refer to them to see what you are making them aware of.
Please find enclosed the diagrams we prepared on this loss. On all losses you should prepare diagrams of the damaged areas. If you access a roof you should measure and diagram it. If there are interior damages you should prepare a diagram of all areas affected.
ADVANCE PAYMENT REQUEST:
Explain who and for how much you want an advance. Be sure to inform client partner where the check should be mailed. (Only use this caption if you are requesting an advance payment)
Explain what you will do, when you will do it and let the client partner know anticipated dates of completion, etc. Please diary your file for an additional twenty-five days.
Very truly yours,
Cell phone number
2. Photographs (xx)
4. UPP Inventory
5. Temporary Repair Receipts
6. Any other items applicable