Operational Resources
General Claims Guides
Cross-loss operational workflows: intake, file audit, supplement submission, carrier review, O&P, and documentation standards.
20 operational guides
Playbooks
General Claims operational guides
Field-ready procedures, checklists, and documentation standards for this discipline.
- Workflow
Commercial Insurance Supplement Playbook for Contractors
The definitive contractor operational playbook for commercial insurance supplements — from identifying underpaid scope through documenting, organizing, submitting, tracking, reinspection support, and closing out commercial restoration claims across multifamily, HOA, retail, office, industrial, and large-loss properties.
26 minOpen guide →
- Workflow
Insurance Estimate Review Playbook for Contractors
The definitive contractor operational playbook for reviewing insurance estimates — from receiving the carrier estimate through structure review, field comparison, scope and quantity validation, code and general conditions passes, documentation packaging, supplement preparation, carrier communication, reinspection support, revision review, and final settlement reconciliation.
32 minOpen guide →
- Documentation Standard
Claim Documentation Standards
Company-wide documentation standards for insurance claims — what to capture, when to capture it, how to label and store it, and how daily discipline improves supplement approval rates.
11 minOpen guide →
- Documentation Standard
Insurance Estimate Review & Scope Validation Guide for Contractors
Cornerstone guide for evaluating carrier estimates against documented field conditions — anatomy of an estimate, quantity and scope validation, missing line items, code and temporary protection gaps, equipment and labor review, supporting documentation, scope audit workflow, reinspection prep, and quality-control gates.
30 minOpen guide →
- Documentation Standard
Quantity Validation Guide for Contractors
Operational guide for validating insurance estimate quantities against field conditions — roofing, interior, water, fire, and commercial quantity review, measurement documentation, supporting photos and field notes, code-related quantity impacts, and documentation that supports revised quantities.
28 minOpen guide →
- Documentation Standard
Scope Audit Guide for Contractors
Operational guide for auditing insurance estimate scope against documented field conditions — missing work, incomplete demolition and reconstruction, omitted trades, roofing, water, fire, and mold scope audits, commercial considerations, code impacts, unsupported assumptions, and documentation that supports revised scope.
28 minOpen guide →
- Documentation Standard
Missing Line Item Documentation Guide for Contractors
Operational guide for documenting omitted work after a scope audit — supporting missing demolition, reconstruction, labor, materials, detach/reset, access, trade sequencing, temporary protection, equipment, and code-related line items with measurements, photographs, field notes, and organized exhibits for contractor supplement review.
28 minOpen guide →
- Workflow
Large-Loss Commercial Insurance Claims Guide for Contractors
Contractor playbook for documenting, managing, estimating, and supplementing large commercial property losses — multi-building campuses, phased restoration, complex scopes, stakeholder coordination, and indexed claim packages across multifamily, HOA, retail, office, industrial, warehouse, hospitality, institutional, and mixed-use properties.
32 minOpen guide →
- Workflow
Carrier Estimate Review Workflow
Systematic workflow for reviewing carrier Xactimate estimates — room list validation, line item gap analysis, quantity checks, and supplement routing before production commits to under-scoped work.
13 minOpen guide →
- Documentation Standard
General Conditions Documentation Guide for Contractors
Operational guide for documenting project-level general conditions on restoration and insurance-related construction work — supervision, trade coordination, temporary protection, site logistics, temporary facilities, and project duration — with records that connect actual site conditions to the estimate under review.
28 minOpen guide →
- Workflow
Retail & Office Commercial Insurance Claims Guide for Contractors
Contractor playbook for documenting, managing, estimating, and supplementing insurance claims on retail centers, storefronts, shopping centers, office buildings, professional offices, mixed-use properties, and multi-tenant commercial facilities — tenant spaces, leasehold improvements, common areas, occupied-business workflows, and indexed claim packages.
30 minOpen guide →
- Checklist
First 48 Hours After Carrier Estimate Checklist
Hour-by-hour intake checklist for the first 48 hours after receiving a carrier estimate — catalog the file, validate scope against field conditions, assign owners, and open supplement gaps before production absorbs unpaid work.
12 minOpen guide →
- Workflow
Multifamily & Apartment Insurance Claims Guide for Contractors
Contractor playbook for documenting, managing, estimating, and supplementing insurance claims on apartment complexes, multifamily housing, condominiums, and similar residential commercial properties — unit-by-unit indexing, common areas, property manager coordination, and indexed claim packages.
26 minOpen guide →
- Field Procedure
Photo Documentation Field Procedure
Field procedure for insurance claim photo documentation — shot list, labeling conventions, overview-to-detail sequencing, and upload requirements that hold up on supplement review.
8 minOpen guide →
- Workflow
Industrial & Warehouse Insurance Claims Guide for Contractors
Contractor playbook for documenting, managing, estimating, and supplementing insurance claims on warehouses, manufacturing facilities, industrial buildings, distribution centers, and logistics properties — building systems, equipment, high-bay racking, inventory zones, loading docks, occupied-facility workflows, and indexed claim packages.
30 minOpen guide →
- Workflow
Claim File Audit Workflow
Office workflow to audit an insurance claim file before supplement submission — verify documentation completeness, estimate alignment, carrier requirements, and approval readiness.
15 minOpen guide →
- Workflow
HOA Insurance Claims Guide for Contractors
Contractor playbook for documenting, managing, estimating, and supplementing insurance claims on HOA, condominium association, townhome, and community association properties — governance workflows, master vs homeowner policies, common elements, board and management coordination, and indexed claim packages.
28 minOpen guide →
- Workflow
Supplement Submission Workflow
End-to-end workflow for submitting an insurance supplement — package assembly, carrier routing, follow-up cadence, and denial response without damaging file credibility.
14 minOpen guide →
- Documentation Standard
Commercial Insurance Claims Documentation Guide for Contractors
Cornerstone documentation standards for commercial insurance claims — property identification, multi-area indexing, tenant improvements, code considerations, business interruption support, and final claim packages across multifamily, office, retail, industrial, hospitality, education, healthcare, and mixed-use properties.
28 minOpen guide →
- Documentation Standard
O&P Qualification Documentation Standard
Documentation standard for qualifying overhead and profit (O&P) on insurance claims — when O&P applies, what evidence carriers expect, and how to include O&P in supplements without isolated denial.
10 minOpen guide →
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Related education
Articles that explain why these procedures matter and how carriers evaluate them.
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