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Getting the Xactimate Construction Price Right! | Property Insurance Coverage Law Blog



Xactimate construction price expert Steve Shannon told me that Merlin Law Group should make a seminar called, The Price is Right! I was listening to him and OSHA expert witness, Kevin Dandridge, discuss various issues of construction worker and site safety and where claims should be in insurance claim estimates.

All insurance adjusters should make certain that a construction estimate is made which is legal. If a construction estimate does not have inclusion of OSHA laws, it is an estimate of illegal construction. Insurance company adjusters should not be written estimates which are illegal. Still, it is common because many adjusters lack education or experience regarding OSHA laws and how construction is done.

Here is a list of some OSHA items which all contractors and subcontractors have to comply with and which insurance adjusters and estimators have to consider

  • 1926.23 First aid and medical attention
  • 1926.24 Fire protection and prevention
  • 1926.25
  • 1926.26 Illumination
  • 1926.27 Sanitation
  • 1926.28 Personal protective equipment
  • Steve Shannon made a point on older versions of the Xactimate training workbook had a specific section on OSHA requirements for roofing estimates because it is so complicated. It has been removed from more current workbooks, but the line items still exist for the adjusters to add the line items. A copy of the workbook is attached.

    Dandridge and Shannon have extensive experience with actual construction and practices. They are subject to significant fines placed on contractors and subcontractors for complying with OSHA. They emphasize the point that OSHA applies to residential and commercial construction.

    All property insurance adjusters and their managers, whether you are a company, independent or public adjuster, get education on OSHA and Certification from Xactimate. Your estimates will be more accurate and reflect legal construction.

    Thought For The Day

    OSHA's core mission is to ensure a safe and healthy workplace for every working man and woman in the Nation .
    – Charles Jeffres


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