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Flood Field Audits/Expert Review
Field Auditing & Review is at the very core of our business model. The role of the Field Adjuster is to inspect the loss and gather as much information as possible and then report that information for review.
Each inspection by an FKS field adjuster involves:
1. Investigating the Cause of Loss (COL) – Reading what was reported, interviewing the insured or their representative, observing the origin of the loss as it relates to the damage, and comparing all of the above to confirm the loss occurred as reported or to point out further investigation is required.
2. Scoping the damage – The scope is the room by room listing of the damage caused by the loss. This includes a description of the quality of the item, its age and condition, and identification of repairability versus replacement.
3. Photographing the damage and lack of damage – Perhaps the most important component of the field inspection, pictures can really tell the story.
4. Diagramming the Risk – The diagram is used to further document the COL, justify the scope and simply illustrate the story the Field Adjuster is reporting.
5. Gathering Documents – The Field Adjuster gathers all documents related to the loss available at the time of the inspection and lists additional documents needed. Examples include: mortgage statements, plumber’s invoices, water mitigation estimates, contractor estimates.
Each report package submitted by an FKS Field Adjuster includes:
1. Estimate of the Damage – The Field Adjuster uses the scope prepared on-site and their local knowledge of pricing to prepare the estimate. FKS clients typically require that specific estimating software be used. So, we support Xactimate, Symbility and others.
2. Report with the Facts – While the traditional narrative report brings together all the pertinent information, FKS report requirements provide a more in-depth view. Details such as who found the loss, who has been to the loss, what happened, what the person who found the loss did or said, when the loss occurred, when the mitigation happened, where is the damage, why a damaged part may have been discarded and how it all ties together are critical.
3. Description of the Documents – Each Field Adjuster report requires a complete explanation of each document attached to it, including an evaluation of its completeness, content and price.
Contact Us for more information.
Each inspection by an FKS field adjuster involves:
1. Investigating the Cause of Loss (COL) – Reading what was reported, interviewing the insured or their representative, observing the origin of the loss as it relates to the damage, and comparing all of the above to confirm the loss occurred as reported or to point out further investigation is required.
2. Scoping the damage – The scope is the room by room listing of the damage caused by the loss. This includes a description of the quality of the item, its age and condition, and identification of repairability versus replacement.
3. Photographing the damage and lack of damage – Perhaps the most important component of the field inspection, pictures can really tell the story.
4. Diagramming the Risk – The diagram is used to further document the COL, justify the scope and simply illustrate the story the Field Adjuster is reporting.
5. Gathering Documents – The Field Adjuster gathers all documents related to the loss available at the time of the inspection and lists additional documents needed. Examples include: mortgage statements, plumber’s invoices, water mitigation estimates, contractor estimates.
Each report package submitted by an FKS Field Adjuster includes:
1. Estimate of the Damage – The Field Adjuster uses the scope prepared on-site and their local knowledge of pricing to prepare the estimate. FKS clients typically require that specific estimating software be used. So, we support Xactimate, Symbility and others.
2. Report with the Facts – While the traditional narrative report brings together all the pertinent information, FKS report requirements provide a more in-depth view. Details such as who found the loss, who has been to the loss, what happened, what the person who found the loss did or said, when the loss occurred, when the mitigation happened, where is the damage, why a damaged part may have been discarded and how it all ties together are critical.
3. Description of the Documents – Each Field Adjuster report requires a complete explanation of each document attached to it, including an evaluation of its completeness, content and price.
Contact Us for more information.
