Topic
Insurance Claim Guides
4 posts filed here. Each one takes a single named assembly or a single claim mechanism and follows it through cause, cost, parts lead time and calendar.
4 posts
Most recent first
Insurance Claim Guides / 7 min
The hail dimple mapping, and why it gets written out of the scope
Hail on a coach or box roof gets acknowledged and then priced as one lump line. The dimple map is what converts hail into hours, and it is why a $1,500 allowance and an $18,000 scope describe the same roof.
Insurance Claim Guides / 7 min
How the deductible and supplement gets written out of the scope through a Southern California summer
A deductible applies once per claim, not once per supplement. How line items get deleted from a scope, why summer stretches approval, and what a $285 to $1,200 damage assessment protects.
Insurance Claim Guides / 7 min
The adjuster scope sheet, and why it costs more than the first quote suggested
A scope sheet is a proposal written in an estimating platform's language, not an invoice. How to read the labor rate block and the deduction lines, and why the number moves after a $210 teardown hour.
Insurance Claim Guides / 7 min
The total loss threshold, and why it gets written out of the scope
A total loss call is a comparison of three numbers, not a verdict on your coach. What the paperwork looks like when the arithmetic drifts, and what a $285 to $900 repairable evaluation actually measures.
Same failure on your vehicle
Describe what it is doing and we will tell you what it usually is. 18.4 miles from Hacienda Heights via SR-60 west to Fullerton Rd, then south to La Palma Ave.