Claims & Insurance
Peer review (insurance)
A second look at a claim file or estimate by someone other than the adjuster who wrote it, often a reviewer, engineer, or consultant hired by the carrier. It can confirm the scope or cut it, and the contractor's best answer is documentation: photos, measurements, codes, and a written justification for each disputed line.
Full guide: roof claim denied supplement appeal guide
More claims & insurance terms
- Occurrence
The event that causes a loss, such as a hail storm or a burst pipe, and the unit most policies use to apply limits and deductibles. One storm can be one occurrence for many homes, and how occurrences are counted decides whether a loss is paid or capped.
- Other structures
Coverage for detached buildings on the property, like a garage or a shed.
- Percentage deductible
A deductible set as a percentage of the dwelling's insured value rather than a flat dollar amount, common on wind and hail policies in some states. It is calculated from the Coverage A limit, so a higher insured value means a bigger out-of-pocket share.
- Personal property
Coverage for the contents of the home, as opposed to the building itself.
- Policy
The insurance contract that spells out what is covered, the limits, and the deductible.
- Policy endorsement
A written change added to an insurance policy that alters its coverage, such as adding a water backup limit, changing the deductible, or scheduling a valuable item. Endorsements control over the base policy wording, so read them before promising that something is covered.
Common questions
What does "Peer review (insurance)" mean in Xactimate estimating?
A second look at a claim file or estimate by someone other than the adjuster who wrote it, often a reviewer, engineer, or consultant hired by the carrier. It can confirm the scope or cut it, and the contractor's best answer is documentation: photos, measurements, codes, and a written justification for each disputed line.
Where does "Peer review (insurance)" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow, see the full guide for where it fits.
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