CPR Insurance Scope & Xactimate 3

Question 1

What is a 'supplement' in insurance restoration?

Accepted Answer

An additional estimate submitted when initial scope missed items or new damage is discovered

Answer

A supplement is a revised or additional claim submitted when the original scope omitted items or demolition reveals hidden damage.

Question 2

When documenting moisture readings for a water damage scope, which combination is typically recorded?

Accepted Answer

Relative humidity, material moisture content (%), and temperature

Answer

A complete moisture protocol captures relative humidity, material moisture content, and temperature to establish baseline readings and track drying progress.

Question 3

What does the term 'like, kind, and quality' mean in insurance restoration?

Accepted Answer

Replacement materials must match pre-loss condition in type, quality, and function

Answer

'Like, kind, and quality' is the standard requiring replacement materials to be equivalent — not necessarily identical — to what existed before the loss.

Question 4

When an adjuster writes 'excluded per policy' next to a line item in Xactimate, it means:

Accepted Answer

The item falls outside the coverage terms of the insured's policy

Answer

'Excluded per policy' indicates the specific item or damage type is not covered under the insured's current policy terms.

Question 5

When a contractor believes additional work is warranted beyond the adjuster's initial scope, the recommended first step is to:

Accepted Answer

Document the additional damage with photos and measurements, then submit a supplement

Answer

Thorough documentation with photos and field measurements is the foundation of any successful supplement submission.

(CPR) Certified Priority Restoration Practice Test

(CPR) Certified Priority Restoration Practice Test

CPR Insurance Scope & Xactimate 3