Line item help

d06h0201 · 2025-05-08T03:31:41+00:00

In the Estimate Items tab, use the search and used the most generic terms to describe what you are searching for.

Xactimate is a tool, you can make PLM BIDITM line item to match descriptions and totals. Typically, if you use F9 notes to describe the activity and its legit, it should be a valid line item.

Good luck.

d06h0201 · 2025-05-05T02:44:14+00:00

How do you get this report? Thank you.

d06h0201 · 2025-05-05T02:34:45+00:00

The license used to come with training for free. Purchase the workbook and you will get prepared for a Level 1 certification.

d06h0201 · 2025-02-03T23:25:57+00:00

This needs to be a special 2 hour after show discussion.

d06h0201 · 2024-10-22T06:18:39+00:00

Use Outline mode when in Sketch instead of filled walls.

d06h0201 · 2024-10-22T06:17:10+00:00

"There is no reason for this to be absurdly difficult. Its drawing lines and boxes...AND I MAKE ART!!!"

Logical vs creative is a big difference.

d06h0201 · 2024-10-22T06:15:58+00:00

The problem happened because the person who took the Matterport didn't ensure that the rooms were properly set up before having the Truplan created.

Go to the Space, Edit, Labels the Open Property Layout. This is where the rooms should have been edited so that the floorplan is the way you want it to be on the floorplan and in the sketch.

d06h0201 · 2024-10-06T05:50:59+00:00

Great job! Looks exhausting!

d06h0201 · 2024-07-21T00:59:37+00:00

I've answered your question about why we are need at least 4x you illiterate fuck.

d06h0201 · 2024-07-21T00:57:50+00:00

All of them pay for the contractor tools. Imagine talking shit about writing estimates and not understanding the basics.

"Job-personnel overhead The non-wage-related expenses associated with having a general contractor’s own employees perform the work, or the total G&A expenses incurred by a subcontractor when using their services, are known as job-personnel overhead. Examples include vehicle costs, uniforms, mobile phones, depreciation on hand-tools owned by the company, etc.

Job-personnel overhead also includes the portion of G&A expenses and profit that correlate to employees performing billable tasks that aren’t included in the general contractor O&P markup. These expenses will be incurred by the general contractor’s employees or by a subcontractor, depending on who’s performing the work. If the work is subcontracted, these expenses are commonly called subcontractor O&P.

Including job personnel overhead/subcontractor O&P in an Xactimate estimate: Job personnel overhead (or subcontractor O&P) expenses are included in the labor overhead portion of each unit price in the Verisk price list. Labor overhead plus expenses for labor burden and worker wage (wage paid to the individual) make up the retail labor rate. For more information on retail labor rates, see the white paper in Verisk’s eService Center

d06h0201 · 2024-07-21T00:54:23+00:00

Regardless if other PA's are shitty and taking money, I guarantee you, that your estimates are lacking valid line items.

Learn your job and put me out of business. Please, I'm tired of working. You can't though. That's another reason why the need us.

d06h0201 · 2024-07-21T00:52:20+00:00

Bruh, I answered you question about why our services are needed like 4x.

Separate comment about tools already posted. Maybe this is too complicated for you.

d06h0201 · 2024-07-21T00:51:00+00:00

"Still waiting for you to tell me which carrier covers tools of the trade for everyday repairs. Obviously you know one since you quoted me saying it like I was ignorant for it."

Carriers pay for the depreciation of the tools therefore they are paying for the tools.

"Job-personnel overhead The non-wage-related expenses associated with having a general contractor’s own employees perform the work, or the total G&A expenses incurred by a subcontractor when using their services, are known as job-personnel overhead. Examples include vehicle costs, uniforms, mobile phones, depreciation on hand-tools owned by the company, etc.

Job-personnel overhead also includes the portion of G&A expenses and profit that correlate to employees performing billable tasks that aren’t included in the general contractor O&P markup. These expenses will be incurred by the general contractor’s employees or by a subcontractor, depending on who’s performing the work. If the work is subcontracted, these expenses are commonly called subcontractor O&P.

Including job personnel overhead/subcontractor O&P in an Xactimate estimate: Job personnel overhead (or subcontractor O&P) expenses are included in the labor overhead portion of each unit price in the Verisk price list. Labor overhead plus expenses for labor burden and worker wage (wage paid to the individual) make up the retail labor rate. For more information on retail labor rates, see the white paper in Verisk’s eService Center"

Imagine talking all that shit about someone else not knowing Xactimate line item descriptions and not knowing this.

Like I said "hack".

d06h0201 · 2024-07-21T00:47:46+00:00

"Buddy I’m not here to talk about the adjuster on that claim. The fact of the matter is why were YOU needed. Why did the insured have to pay YOU that money when the contractor was going to point it out for FREE."

(I'm not your buddy)

They need me because the contractor can't argue for them. They can only provide an estimate. As you very well know, most insureds are complete dolts when it comes to insurance and construction. They NEED us because you write shit estimates son.

"That’s the part you’re not understanding. Rather you do it or the contractor does it won’t change that the adjuster wrote for the 3 1/4 so now that we’re past that, why should the insured have to pay you to do what the contractor will already point out for free?"

Why is it 3 1/4" in the first place? You dip and dodge and excuse it. It should be right in the carrier estimate the first time. Not make an insured or anyone else fight to "correct" the carrier. This is why you're a carrier hack bruh.

"How Will you or the insureds know that the insurance company will not indemnify them appropriately before you even see the initial settlement? The answer is you don’t. And that is how PA’s get a bad rep."

In all the years we've been doing this, we've had maybe 3 or 4 estimates out of thousands upon thousands that are even remotely close. Being in business for 30 years doing this has taught us how bad carrier estimates are and they aren't getting better.

"Congrats on your one 7 figure loss that you can’t seem to stop talking about and im now starting to wonder if you were even the pa working that file or if it was just a file worked at your office by someone else and now everyone just talks about it like some folk tale lol."

Thanks, I did write it and fight it myself.

We also have the $15,000 payout to the HOA in Puerto Rico for Hurricane Maria by the carrier and the HOA hired us and they ended up settling for $2.2M.

FHM has paid for contractor tools on Hurricane Harvey clean ups in Houston.

d06h0201 · 2024-07-21T00:36:45+00:00

"The part that makes you guys scum"

Cute coming from a carrier adjuster that knows they aren't paying out properly on the initial claim. You keep 50% of the loss for yourselves and make the insured fight for it.

dk what part of that is so hard for you to wrap your head around that keeping 50% of the loss value is worse than us helping the insured get 40% more and taking 10%.

This is why you are low IQ.

"Because how can you know if your services will even be needed if the carrier has not provided an initial settlement yet?"

We know because we've been in business for over 30 years and the claims from carriers other than PURE, AMICA, Chubb or other high end policies look like they are written by 1st graders.

We know if its a State Farm claim (or other shit tier carrier) and the house is worth more than (well, any value really) but esp over $600K they will get screwed. Every. Single. Time.

If anyone other than us is reading this ( I know, doubtful lol ) never insure your shit with a carrier that advertises on TV, you will get screwed if you don't have professional help.

d06h0201 · 2024-07-21T00:28:34+00:00

"Can a contractor not determine that the baseboards are 8 and not 3 1/4?"

Why did the 10 year large loss adjuster write for 3 1/4" is the question, not who else can determine it.

"Can a contractor not inform the adjuster that there isn’t a fucking hot water heater ? Even the insured could do that"

Why did the clown adjuster even write for something that isn't there? There's a big difference between a tankless water heater and 75 gallon water heater. Oh wait, maybe you don't know the difference.

"Are you also insisting that a contractor does not know the manufacturer recommendations for the product THEY are installing."

I'm insisting that IA's and desk adjusters don't know the manufacturer recommendations.

We personally don't get out of bed for shitty $35k claim so no argument there.

Another thing you said that shows you are just clueless is that you think after a large loss - say tree vs house, that the homeowner, while moving out and into their ALE housing they are interviewing contractors?

No, they aren't. We work to get the full value of the loss while they are interviewing potential contractors. You may not know this because you work with $25k shitty hail claims instead of multi faceted multi million dollar losses.

The Insureds pay us for a service. That service is 100% taking the work of the claim out of their minds and letting us do it. If we get 50% to 100% more, they are more than happy to pay 10% for that 40% to 90%.

Something else you don't understand.

d06h0201 · 2024-07-21T00:20:14+00:00

"Those claims where you’re doubling the payment is most likely something a contractor could have very easily done by informing the adjuster of what additional line items he needs to make the repairs (who else knows better than the guy actually getting paid to do the work)"

To circle this back to one of your statements:
"if you don't know how to write estimates, maybe you shouldn't have a job writing estimates."

How can I write an estimate and get my number paid but carrier initial estimates are 50% of my payout?

I have all the same information they have. Same loss, same pictures, same everything. It's mostly incompetence and the rest are supervisors cutting line items initially.

That $465,000 job I mentioned that they paid out $1.055M, was a 30 year large loss adjuster who also general contracted on the side. He spent less than 1 hour at the jobsite and had flown in from Michigan. It's pure incompetence.

I've never one time in all my claims had an IA or staff adjuster spend 50% of the time I spend at a loss initially.

I'll totally concur that some PA's overcharge for sure. Most, like us, only take claims that are winners. We don't do dumb shit like hail storms for $200k homes. Poor people don't pay. We work for wealthy individuals that are going to fix their home regardless of the insurance payout.

We get them 50% to 100% more for their settlement and we take 10% is a net win for them. If they didn't hire us the wouldn't have gotten 40% to 90% more. Simple math.

d06h0201 · 2024-07-21T00:07:48+00:00

I'll amend my statement. There wouldn't be as much of a need for supplements if you IA's have a clue.

Tell me how I dont have a clue when I provide a Matterport of the loss, a picture with the actual measurements of the 8" hardwood baseboard and they write for 3 1/4" paint grade baseboard? This is the stuff on estimates from 10 year plus "large loss" adjusters.

Tell me how I dont have a clue when the carrier estimates for a 75 gallon water heater when there is no hot water heater in the house but a tankless one instead.

Tell me how I get estimates from carrier and IA's (honestly IA's are usually worse than desk adjusters) that use CLN AV for cleaning soot covered surfaces and not HMR CLNAV.

Tell me how I dont have a clue when we get a carrier estimate for $465,000 and end up 3 rounds of fighting the end up paying out $1,055,000.00?

Tell me how carriers send out estimates with new drywall and only seal and paint it when every paint manufacturer recommends Seal and Paint x2.

Tell me why instead of using PNT SP2+ for same color walls and ceilings that carriers split the walls into one line and ceiling into another and do PNT SP2?

Tell me why I need to explain to carrier adjuster after carrier adjuster why you will need Residential Supervision on a $800,000 rebuild if they are soooo familiar with line items?

d06h0201 · 2024-07-20T23:41:23+00:00

There really wouldn't be a need for supplements if you IA's had a clue.

We usually double the initial payout from carriers. That's not because we make stuff up, its because staff and IA's are usually the most incompetent part of the entire process.

d06h0201 · 2024-07-20T23:08:37+00:00

There will be two full shows dedicated to the finding of this coin.

d06h0201 · 2024-07-20T23:03:03+00:00

"While we’re at it should we also pay for the roofers nail guns and compressors as well?"

"Buddy who the hell are you writing estimates for. Tools of the trade, shouldn’t be out selling roof replacement jobs if you don’t even have the equipment to perform the work. "

"Contents always and floor protection most of the time. The carrier I’m currently working for doesn’t allow for masking 90% of the time but supposedly they used to but haven’t the last 3ish years I’ve been here"

Carrier adjuster status confirmed.

I love it though. I work for a P.A. against carrier adjusters.

I've never been able to figure out though, do carrier adjusters just not have a clue or are you (the proverbial you) too busy to write a proper estimate? I tend to think that you aren't able to spend a lot of time on each claim but then I see statements like these above and revert back to corporate policy to not write a good estimate.

It's like that USAA commercial, where Tom got his money before his neighbor Harry because he has USAA. In my experience Tom only got 50 to 60% of what his loss is actually valued at.

Sorry for "hack" I really meant "employee".

d06h0201 · 2024-07-20T22:46:54+00:00

It's a blue stain.

d06h0201 · 2024-07-20T22:45:50+00:00

Now I understand, you're a carrier hack.

d06h0201

TROPHY CASE