Roofing Linares LLC Sales and Inspection Vocabulary

Vocabulary practice flashcards covering terminology, sales closes, inspection procedures, and claim concepts from the Roofing Linares LLC lecture notes.

Overhead and Profit (O&P)

Additional costs included in insurance claims for roofing projects, which requires identifying more than 3 trades (e.g., interior, fence, and roofing) to generate profit.

NCPI

An acronym representing key reminders before ladder setup: Name, Cleaning, Insurance Paying, and Inspection.

Cosmetic Damage

Visible signs of hail impact that do not necessarily affect the function of an item, such as dings on patio furniture.

Physical Damage

Damages observed and documented from hail and wind that result in direct physical changes to the structure or roofing materials.

Desk Adjuster (DA)

An insurance company representative assigned to process and oversee a claim remotely from an office.

Field Adjuster (FA)

An insurance representative who inspects property damage in person and conducts on-site adjuster meetings.

TPA Letter

A document sent to the insurance company establishing Roofing Linares LLC as the customer's general contractor and permitting open communication and document exchange.

Independent Adjuster

A type of adjuster who typically aims to buy all damaged items because they may receive commission based on the approved claim total.

Staff Adjuster

An adjuster directly employed by the insurance company who acts as both field and desk adjuster and has authority to approve claim replacements on the spot.

Ladder Assist Photographer

An inspector paid to conduct a light inspection and capture basic photos, relying on the contractor to point out specific damages.

Texas Dept. of Insurance (TDI)

The state regulatory agency governing the insurance industry in Texas that answers policyholder questions regarding claim laws and policies.

Depreciation

The secondary portion of approved claim funds held back by the insurance company, released only after work is completed and proof of deductible payment is submitted.

Act of God

A natural event (such as a storm) for which insurance companies cannot raise individual policyholder premiums directly, though regional rates may increase.

Limited Lifetime Warranty

Roofing Linares LLC's workmanship warranty covering labor and installation, limited to the duration of the homeowner's property ownership and a $72\,\text{hr}$ window period.

Xactimate

The estimation software designated and utilized by insurance carriers and general contractors for property claims estimation.

General Contractor's O&P

A specific line item in Xactimate accounting for GC oversight, including $10\%$ profit (commonly termed "10 & 10").

Roof Deck

The base structural layer of a roof, usually made of plywood sheathing, providing stability and a smooth foundation for other roofing materials.

Eave

The edge of the roof that runs parallel to the ground without meeting the ground.

Rafters

Sloped structural wooden beams extending from the ridge or hip to the wall plate or eave, typically spaced $12\text{--}16\,\text{inches}$ apart to support the roof.

Rakes

The exposed sloped outer edges of a roof structure.

Perimeter

The total boundary measurement around all outer edges of a roof, calculated as $\text{Eaves} + \text{Rakes}$.

Flashing

Thin metal material installed by roofers to channel water away from high-risk or joint areas of the roof.

Performance Shingles

Specialized shingles designed to enhance storm resistance, capable of withstanding $160\,\text{mph}$ winds and $1.75\,\text{inch}$ hail.

Supplement

An itemized request submitted to an insurance company for additional coverage on items or trades that were omitted from the original claim estimate.

Appraisal Process

A formal dispute resolution process initiated when there is a disagreement on the scope of work for a claim that has at least a repair approved, requiring an upfront fee of $\$1,250$.