Xactimate Exercise Book

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www.AdjusterPro.com 214-329-9030

Exercises

Set 1 – Adjuster and Company Setup Exercises ... 1

Set 2 – Room Exercises ... 20

Set 3 – Victim, Bob Scenario Exercise ... 26

Set 4 – Roof Exercises ... 33

Set 5 – Roof Adjusting Exercises ... 44

Set 6 – House Diagram Exercises ... 48

Set 7 – The Xact-A-Mazing Drawings ... 55

References

Appendix 1 – Roof Types ... 58

Appendix 2 – Item Codes (Variables) ... 63

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Practice Set 1

Adjuster and Company Setup

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DATE

PHONE PREVIOUSLY

PRODUCER MISCELLANEOUS INFO (Site & location code) DATE OF LOSS AND TIME

(A/C, No, Ext): REPORTED

POLICY

COMPANY AND POLICY NUMBER NAIC CODE POLICY DATES TYPE

CO: EFF:

PROP/

HOME _POL: _EXP:

CO: EFF:

FLOOD

CODE: SUB CODE: POL: EXP:

AGENCY CUSTOMER ID _CO: _EFF:

WIND

POL: EXP:

NAME AND ADDRESS OF INSURED DATE OF BIRTH NAME AND ADDRESS OF INSURED

SOC SEC # OR FEIN:

RESIDENCE PHONE (A/C, No) BUSINESS PHONE (A/C, No, Ext)

NAME AND ADDRESS OF SPOUSE (IF APPLICABLE) DATE OF BIRTH RESIDENCE PHONE (A/C, No) BUSINESS PHONE (A/C, No, Ext)

SOC SEC # OR FEIN: WHERE TO CONTACT WHEN TO CONTACT

POLICE OR FIRE DEPT TO WHICH REPORTED LOCATION

OF LOSS

PROBABLE AMOUNT ENTIRE LOSS KIND

OF LOSS

DESCRIPTION OF LOSS & DAMAGE (Use separate sheet, if necessary)

MORTGAGEE

HOMEOWNER POLICIES SECTION 1 ONLY (Complete for coverages A, B, C, D & additional coverages. For Homeowners Section II Liability Losses, use ACORD 3.)

A. DWELLING B. OTHER STRUCTURES C. PERSONAL PROPERTY D. LOSS OF USE DEDUCTIBLES DESCRIBE ADDITIONAL COVERAGES PROVIDED

SUBJECT TO FORMS (Insert form numbers and edition dates, special deductibles)

FIRE, ALLIED LINES & MULTI-PERIL POLICIES (Complete only those items involved in loss)

ITEM SUBJECT OF INSURANCE AMOUNT % COINS DEDUCTIBLE COVERAGE AND/OR DESCRIPTION OF PROPERTY INSURED

SUBJECT TO FORMS (Insert form numbers and edition dates, special deductibles)

ZONE DIFF IN ELEV BUILDING: DEDUCTIBLE:

FLOOD FORM

POLICY _CONTENTS: _DEDUCTIBLE: TYPE

BUILDING DEDUCTIBLE CONTENTS ZONE

WIND FORM

POLICY TYPE

REMARKS/OTHER INSURANCE (List companies, policy numbers, coverages & policy amounts)/NY ONLY: PREVIOUS ADDRESS OF INSURED & WIFE’S MAIDEN NAME

CAT # FICO # ADJUSTER # DATE ASSIGNED

ADJUSTER ASSIGNED

REPORTED BY REPORTED TO SIGNATURE OF INSURED SIGNATURE OF PRODUCER AM

PM YES NO

CONTACT INSURED

OTHER FIRE LIGHTNING FLOOD (explain) THEFT HAIL WIND

NO MORTGAGEE

ON COVERAGE A. EXCLUDES WIND

BLDG CNTS

PRE FIRM GENERAL CONDO

POST FIRM DWELLING

GENERAL CONDO DWELLING

INSURED CONTACT

LOSS

POLICY INFORMATION

NOTE: IMPORTANT STATE INFORMATION ON REVERSE SIDE

ACORD 1 (2001/02) © ACORD CORPORATION 1988

ACORD

_{PROPERTY LOSS NOTICE}

$106,000.00 $26,500.00 $106,000.00 $53,000.00 Joe Agent - KL431 123 Main Street Anytown, ST 012345 #41 3/15/201X 3:30 3/16/201X KL34P09873534G Marvelous Mutual ₁₄₇₁₉ 1/1/201X 12/31/201X 6/20/196X Tom Akers 123 Broadway Anytown, ST 012345 543-987-4321 Day 123 Broadway

Windstorm blew over tree in back yard. Roof damage and interior leaks.

U.S. Bank Mortgage Co. Ltd.

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All Lines Claims Work Order

Claim ID: 45592 Date of Loss: 10/24/2005

Risk ID: PLQ56239 / HO3 Date Reported: 10/31/2005

Adjusting Company: All Lines Claims Date Risk Effective: 07/13/2005 Adjuster:

Insured Name and Mailing Address: JAMES CROMWELL

9881 NW 41st St, Fort Lauderdale, FL 33351

Date Version Effective: Property Address 9881 NW 41st St, Fort Lauderdale, FL 33351 07/13/2005 County: BROWARD

Producer's Name and Physical Address:

Contact Information:

Contact Name: JAMES CROMWELL Day Phone: 954-278-9963 Agency Name: Agent Name: ARGONAUT INSURANCE HELEN GLASS Night Phone: 954-855-3274 Other Phone: 9960 OAKLAND PARK BLVD FORT LAUDERDALE, FL 33313 Cell Phone: 415-976-4879 Fax Phone:

Phone Number: 954-788-2020 Defense Firm: Attorney Name:

Catastrophe Name: HURRICAN WILMA

Description: tr/ins roof and screen torn off. carpets wet throughout second floor. first floor ceiling damaged. window broken. floor has water damage. front of house has some tiles. no electic in house. unlivable. csr0504

Other Interests Information (Data displayed is from the current in-force version of the risk): Other Interest 1: FIRST FINANCIAL SAVERS CREDIT UNION / ISAOA

Other Interest 2: Other Interest 3: Claimants: Claimant 1: Claimant 2: Claimant 3: JAMES CROMWELL

Coverage Limits (Reserves), Deductible

A: $120,000 (15,000) Fungi (Mold) Property: $12,000 B: $12,000 Fungi (Mold) Liability: $50,000 C: $48,000 Loss Assessment: $1,000 D: $24,000 E: $100,000 AOP: 1,000 F: $1,000 Hurricane: 2% Wind/Hail Excluded: Optional Coverages Warnings: Coverage Limits

Forms: Forms Cont'd:

HO 00 03 04 91 HO 23 70 07 01 PLQ 13 05 93 PLQ 16 09 95 PLQ 23 07 04 PLQ 24 05 05 PLQ 30 05 02 HO 04 90 04 91 HO 04 96 04 91

Calendar Year Hurricane Deductible PLQ 24 05 05 applies Current Term History:

RiskIDEnd Eff Date Chge

Prem Change Date Created Created By

Prior Loss History:

ClaimNum Peril Date of Loss Adj Firm Paid to Date Coverages Paid

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CLAIM ADJUSTER ASSIGNMENT

All Lines Claims 4774 Feather Trail

West Palm Beach, Florida 33411

PH# (888) 976-0147 PAGE: 1

POLICY TERM 2/02/2005 TO 2/02/2006 DWELLING CLAIM NO. G251178

SEVERITY: 2 (5=MOST SEVERE) POLICY NO. 9958813 DATE OF LOSS: 10/24/2005

AGENT: CATASTROPHE WIND CLAIM CAT# 54

--- ---

COMMON INSURANCE AGENCY 12461 243 S. MILITARY TRAIL

LAKE WORTH, FL 33461-2725

PH# (954) 545-7469 FAX (954) 288-9641

INSURED: PERSON TO CONTACT:

--- ---

MCDOWELL, RODERICK RODERICK MCDOWELL

29 APALACHEE ROAD

WEST PALM BEACH, FL 33406 DAY PHONE# EVENING PHONE#

(561) 447-2148 (561) 742-8588

COMMENT/DESCRIPTION ---

lost storage room totaly, tree was lost in front of the house, roof shingles are lost, the concrete roof is leaking, fence was also damaged.

FLOOD POLICY NUMBER FLOOD CARRIER

--- ---

0058566891 COMMUNITY BANKERS TRUST FUND, FL. 10111

HOMEOWNERS POLICY # HOMEOWNERS CARRIER

--- --- HOMEOWNERS UNKNOWN

RESERVE CLAIM LOSS HISTORY PAID BLDG PAID CONTS ADJUSTER

--- --- --- --- ---

5,000 223641 10/24/2005 OPENED 0 0 ALL LINES

A B C D Hurricane/Other

ITEM (BUILDING) (OTHER STR) (CONTENTS) (LOSS OF USE) WIND DEDUCTIBLE 1 ONE STORY MASONRY 1 UNIT DWELLING LOC:

413 24TH ST, WILTON MANORS, BROWARD COUNTY, FL 33311

138,000 13,800 55,200-ACV 27,600 2,760/500

Fungi (Mold) Limit: $0

SUBJECT TO FORMS NO(S): DW2 07 04

---

MORTGAGEE/LOSS PAYEES:

---

YOUR CAPITAL MORTGAGE INC ISAOA P.O. BOX 570

IRVINE, CA 92607

LOAN #0030568891

--- 2 YOUR CAPITAL BANK ISAOA

PO BOX 71

PASADENA, CA 91102

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TM

PHONE PREVIOUSLY

PRODUCER MISCELLANEOUS INFO (Site & location code) DATE OF LOSS AND TIME

(A/C, No, Ext): REPORTED

POLICY

COMPANY AND POLICY NUMBER NAIC CODE POLICY DATES TYPE

CO: EFF:

PROP/

HOME _POL: _EXP:

CO: EFF:

FLOOD

CODE: SUB CODE: POL: EXP:

AGENCY CUSTOMER ID _CO: _EFF:

WIND

POL: EXP:

NAME AND ADDRESS OF INSURED DATE OF BIRTH NAME AND ADDRESS OF INSURED

SOC SEC # OR FEIN:

RESIDENCE PHONE (A/C, No) BUSINESS PHONE (A/C, No, Ext)

NAME AND ADDRESS OF SPOUSE (IF APPLICABLE) DATE OF BIRTH RESIDENCE PHONE (A/C, No) BUSINESS PHONE (A/C, No, Ext)

SOC SEC # OR FEIN: WHERE TO CONTACT WHEN TO CONTACT

POLICE OR FIRE DEPT TO WHICH REPORTED LOCATION

OF LOSS

PROBABLE AMOUNT ENTIRE LOSS KIND

OF LOSS

DESCRIPTION OF LOSS & DAMAGE (Use separate sheet, if necessary)

MORTGAGEE

HOMEOWNER POLICIES SECTION 1 ONLY (Complete for coverages A, B, C, D & additional coverages. For Homeowners Section II Liability Losses, use ACORD 3.)

A. DWELLING B. OTHER STRUCTURES C. PERSONAL PROPERTY D. LOSS OF USE DEDUCTIBLES DESCRIBE ADDITIONAL COVERAGES PROVIDED

SUBJECT TO FORMS (Insert form numbers and edition dates, special deductibles)

FIRE, ALLIED LINES & MULTI-PERIL POLICIES (Complete only those items involved in loss)

ITEM SUBJECT OF INSURANCE AMOUNT % COINS DEDUCTIBLE COVERAGE AND/OR DESCRIPTION OF PROPERTY INSURED

SUBJECT TO FORMS (Insert form numbers and edition dates, special deductibles)

ZONE DIFF IN ELEV BUILDING: DEDUCTIBLE:

FLOOD FORM

POLICY _CONTENTS: _DEDUCTIBLE: TYPE

BUILDING DEDUCTIBLE CONTENTS ZONE

WIND FORM

POLICY TYPE

REMARKS/OTHER INSURANCE (List companies, policy numbers, coverages & policy amounts)/NY ONLY: PREVIOUS ADDRESS OF INSURED & WIFE’S MAIDEN NAME

CAT # FICO # ADJUSTER # DATE ASSIGNED

ADJUSTER ASSIGNED

REPORTED BY REPORTED TO SIGNATURE OF INSURED SIGNATURE OF PRODUCER

AM

PM YES NO CONTACT INSURED

OTHER FIRE LIGHTNING FLOOD (explain) THEFT HAIL WIND

NO MORTGAGEE

ON COVERAGE A. EXCLUDES WIND

BLDG CNTS BLDG CNTS BLDG CNTS

PRE FIRM GENERAL CONDO POST FIRM DWELLING

GENERAL CONDO DWELLING

INSURED CONTACT

LOSS

POLICY INFORMATION

NOTE: IMPORTANT STATE INFORMATION ON REVERSE SIDE

ACORD 1 (2001/02) © ACORD CORPORATION 1988

ACORD

_{PROPERTY LOSS NOTICE}

Joe Agent - KL431 123 Main Street Anytown, MS 01234 3/15/201X 3:30 3/16/201X KL34P00085534G Marvelous Mutual ₁₄₇₁₉ 2/1/201X 1/31/201X 3/12/196X Louis Jones 1 Maple Way Anytown, MS 01234 543-985-5698 Day 1 Maple Way

Possible roof damage. Water on ceiling near chimney in family room.

Mortgage Bank Finance Co..

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All Lines Claims Work Order

Claim ID: 36599 Date of Loss: 10/24/2005

Risk ID: PLQ54327 / HO3 Date Reported: 10/28/2005

Adjusting Company: All Lines Claims Date Risk Effective: 09/20/2005 Adjuster:

Insured Name and Mailing Address: IRIS L. COVINGTON

1301 IVY LN.

PLANTATION, FL 33351

Date Version Effective: Property Address 981 BANYON LN. PLANTATION, FL 33351 09/20/2005 County: BROWARD

Producer's Name and Physical Address:

Contact Information:

Contact Name: IRIS L. COVINGTON Day Phone: 954-487-5436 Agency Name: Agent Name: HELPERS INS. SVCS. ROMUALDO BENITO Night Phone: 954-963-6582 Other Phone: 3723 S. FLAMINGO RD. PLANTATION, FL 33325 Cell Phone: 305-976-3214 Fax Phone:

Phone Number: 954-789-2014 Defense Firm: Attorney Name:

Catastrophe Name: HURRICAN WILMA

Description: Roof on part of home missing. Entry way scattered & room destroyed. Fence down & furnishing destroyed.

Other Interests Information (Data displayed is from the current in-force version of the risk): Other Interest 1: AMERICAN MORTGAGE HOME FINANCE CORPORATION

Other Interest 2: SOUTHEAST FEDERAL CREDIT UNION Other Interest 3: Claimants: Claimant 1: Claimant 2: Claimant 3: IRIS L. COVINGTON

Coverage Limits (Reserves), Deductible

A: $240,000 (25,000) Fungi (Mold) Property: $20,000 B: $24,000 Fungi (Mold) Liability: $50,000 C: $96,000 Loss Assessment: $1,000 D: $48,000 E: $100,000 AOP: 500 F: $1,000 Hurricane: 2% Wind/Hail Excluded: Optional Coverages Warnings: Coverage Limits

Forms: Forms Cont'd:

HO 00 03 04 91 HO 23 70 07 01 PLQ 13 05 93 PLQ 16 09 95 PLQ 23 07 04 PLQ 24 05 05 PLQ 30 05 02 HO 04 90 04 91 HO 04 96 04 91

Calendar Year Hurricane Deductible PLQ 24 05 05 applies Current Term History:

RiskIDEnd Eff Date Chge

Prem Change Date Created Created By

Prior Loss History:

ClaimNum Peril Date of Loss Adj Firm Paid to Date Coverages Paid

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CLAIM ADJUSTER ASSIGNMENT

All Lines Claims 4774 Feather Trail

West Palm Beach, Florida 33411

PH# (888) 976-0147 PAGE: 1

POLICY TERM 3/25/2012 TO 3/25/2013 DWELLING CLAIM NO. W58821

SEVERITY: 4(5=MOST SEVERE) POLICY NO. 8952254 DATE OF LOSS: 06/13/2012 AGENT:

--- ---

CENTRAL PERSONAL INSURANCE AGENCY 78599 7883 S. BELT LINE ROAD

IRVING, TX 75060-2725

PH# (972) 838-1167 FAX (972) 998-1524

--- ---

FINCH, ROBIN ROBIN FINCH

9236 ST LO DR

IRVING, TX 75060 DAY PHONE# EVENING PHONE#

(972) 313-0458 (972) 655-2396

COMMENT/DESCRIPTION ---

Hail damage to home and backyard shed. Roof is ruined and missing tiles. Many leaks inside of building. Outside fence was damaged. Deck badly touched. Interior damage to contents and ceilings. Homeowner prefers not to live there so must be contacted on cell phone: 972-635-9854

FLOOD POLICY NUMBER FLOOD CARRIER

--- ---

HOMEOWNERS POLICY # HOMEOWNERS CARRIER

--- --- HO 5 / TX503H66921 Central Texas Ins.

--- --- --- --- ---

15,000 W58821 06/14/2012 OPENED 0 0 ALL LINES

ITEM (BUILDING) (OTHER STR) (CONTENTS) (LOSS OF USE) WIND DEDUCTIBLE 1 TWO STORY COLONIAL 1 UNIT DWELLING LOC:

9236 ST LO ST. IRVING, DALLAS COUNTY, TX 75060

276,000 27,600 110,400-ACV 55,200 5,520/500

Fungi (Mold) Limit: $0

SUBJECT TO FORMS NO(S): HO 00 05 10 98

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Practice Set 2

Room Exercises

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Exercise #1

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Exercise #2

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Exercise #3

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Exercise #4

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Exercise #5

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Victim, Bob Exercise

Axis Property Corporation

POLICY TERM 1/22/2005 TO 1/22/2006 DWELLING CLAIM NO. 12345

SEVERITY: 3 (5=MOST SEVERE) POLICY NO. 54321 DATE OF LOSS: 10/24/2005

AGENT CATASTROPHE WIND CLAIM CAT#54

...

BOB AND JANET INSURANCE CO. 1234 SMITH ST.

JONESBORO, FL 32123

VICTIM, BOB INS 555-123-4566

325 BEDLAM BLVD. DAY PHONE: 830-572-9987

HURRICANE ALLEY, FL 32122 EVENING PHONE: 830-134-5928 COMMENT / DESCRIPTION

...

tr/ins roof damaged, tree fell on dwelling, leaks in all rooms, electrical damaged, contents damage, HVAC damage, fence damaged. FLOOD POLICY NUMBER

...

HOMEOWNERS POLICY 3 ...

10,000 12345 10/24/2005 OPENED 0 0 AXIS

Cov. (BUILDING) (OTHER STR) (CONTENTS) (LOSS OF USE) DEDUCTIBLE

148,200 28,940 78,100 – ACV 14,820 2%/500

SUBJECT TO FORMS NO(S): ...

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Practice Set 4

Page: 10

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Practice Set 5

Roof Adjusting Exercise

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Axis Property Insurance Corporation

8 Windy Way Storm Town, FL 33333 MANUAL-ROOFEXERCISE Main Level Roof1 931.46 Surface Area

129.67 Total Perimeter Length 67.76 Total Hip Length

9.31 Number of Squares 34.13 Total Ridge Length

DESCRIPTION QUANTITY UNIT COST RCV DEPREC. ACV

1. 3 tab - 25 yr. - composition shingle 11.00 SQ 145.03 1,595.33 (0.00) 1,595.33 roofing - incl. felt

2. Remove 3 tab - 25 yr. - composition 9.31 SQ 38.73 360.58 (0.00) 360.58 shingle roofing - incl. felt

3. R&R Drip edge 129.67 LF 1.43 185.42 (0.00) 185.42

Totals: Roof1 2,141.33 0.00 2,141.33

Total: Main Level 2,141.33 0.00 2,141.33

Line Item Totals: MANUAL-ROOFEXERCISE 2,141.33 0.00 2,141.33

Grand Total Areas:

0.00 SF Walls 0.00 SF Ceiling 0.00 SF Walls and Ceiling

0.00 SF Floor 0.00 SY Flooring 0.00 LF Floor Perimeter

0.00 SF Long Wall 0.00 SF Short Wall 0.00 LF Ceil. Perimeter

0.00 Floor Area 0.00 Total Area 0.00 Interior Wall Area

9.11 Exterior Wall Area 0.00 Exterior Perimeter of Walls

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MANUAL-ROOFEXERCISE

7/1/2010

Page: 2

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Axis Property Insurance Corporation

8 Windy Way

Storm Town, FL 33333

MANUAL-ROOFEXERCISE 7/1/2010 Page: 3

Sketch Roof Annotations

Main Level

Face Square Feet Number of Squares Slope - Rise / 12

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Practice Set 6

House Diagram Exercise

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Dimensioning in Sketch 1

Using the Dimension tool in Sketch, create a floor plan with the following rooms:

Room Name Width (R – L) Height (Up – Down)

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Dimensioning in Sketch 2

Gable Roof

A Gable Roof has two roof surfaces of the

same size, that are pitched at the same

angle back to back

Common variations of Gable roofs:

• Cross Gabled roof – Simply two gable

roof sections put together at a right

angle. The two ridges formed by

these gable roofs are typically

perpendicular to each other.

• Dutch gable – A hybrid type of gable

and hip roof where a full or partial

gable is located at the end of a ridge

offering more internal roof space

and/or increased aesthetic appeal.

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Hip Roof

Hip roof (or hipped roof) does not have flat sides

like the

gable roof

instead all sides of the roof slope

down to meet the walls of the house.

• Pyramid hip roof – Four equal triangular sides meet

at a single point at the top of the roof.

• Cross hipped roof – Similar to putting two

hipped roof buildings together. Where the

two roof sections meet forms a seam called

a valley.

• Half hipped roof – A standard hip roof that

has had two sides shortened to create

eaves.

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Other Roofs

Dutch gable – A hybrid type of gable and hip

roof where a full or partial gable is located at

the end of a ridge offering more internal roof

space and/or increased aesthetic appeal.

Mansard roof has two distinctly different

slopes on each side. The lower portion of the

roof has a very steep pitch often with dormers

attached, while the upper portion has a low

slope, just enough for water runoff to occur.

Gambrel roof, like the mansard roof, has

two distinctly different slopes on each of its

two symmetrical sides. The bottom slope

has a steep pitch, sometimes nearly vertical

while the top slope is lower. But unlike the

mansard roof, the gambrel roof only utilizes

this method on two sides of the structure

rather than four.

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Other Roofs (continued)

Flat roofs usually have at least a slight slope to

assist in the shedding of water

Bonnet or “kicked eaves” roof. Usually have two

slopes on all four sides of a structure. It is

essentially the opposite a

mansard roof

in that its

upper slope is steeper than the bottom slope. The

bottom slope often hangs over the house to cover

an open sided porch and provide shelter from the

sun or rain.

A shed roof (often called a lean-to) is typically a single

roof face that slopes down the entirety of the

structure or structure addition.

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Variables

(“Calculator Codes”)

C

ceiling area

EA

count

F

floor area

HIP

total hip length

HH

tall wall height

LF

length

P

perimeter

PC

perimeter of ceiling (estimate lineal feet/meters of crown molding)

PF

perimeter of floor (estimate lineal feet/meters of baseboard/skirting)

R

total ridge length

SF

area

SQ

number of squares

SY

square yards of floor area

V

volume

VAL

total valley length

W

wall area

WW

width

WC

wall and Ceiling area

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When you are in your project and are ready to print, you can create a PDF report by following the

below instructions.

From the Main Menu inside your project select “Print” from the “Estimate” menu item as below.

Once the new window for “Estimate Reports” opens up, simply select the “Export” from the bottom

center button as shown. From the options, select “Export PDF File”

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