Glossary of Terms
Acid Smoke: Fire residues that have high levels of acidity.
Addedum: A written or graphic change added to a contract.
Actual Cash Value (ACV): The amount of money it takes to restore the dwelling to its condition before the fire. ACV is determined by the cost of materials and labor at the time of the loss, less depreciation.
Additional Living Expense (ALE): Expenses that are above the normal living expense you incurred before the loss. ALE is typically 20% of the insured dwelling amount. The expenses you incurred immediately following the catastrophe apply, such as hotel, meals, replacement of medications, etc. Temporary housing and temporary furnishings are also covered.
Adjuster: An individual who negotiates insurance losses
Alligatoring: The splitting or cracking of paint film in a pattern resembling the rectangles of an alligator skin.
Allowance: Funds paid as reimbursement
Anti-Microbial: Destroying or inhibiting the growth of microorganisms
Arbitration: The binding resolution of disputes by a neutral party or persons as an alternative for litigation.
Bearing: That portion of a beam, truss, or other structural member, which rest on the supports.
Bearing Wall: A wall capable of supporting an imposed structural load.
Betterment: Exceeds the requirements of like, kind and quality.
Biohazard: A biological agent or condition that creates a hazard to humans or the environment.
Bleeding: The penetrating of a pigment or residue from a substance through a top layer of paint
Blistering: Small Bubbles in a finish coat of plaster or paint
BoardUp: The temporary installiation of barriers to secure roofs, windows, or doors against vandals or the weather.
Bottom Plates: A horizontal timber, which serves as a base for the studs in a stud wall or partition.
Brace: A metal or wood member, which is used to stiffen or support a structure.
Bric-a-Brac: A miscellaneous collection of small articles of ornamental or sentimental value.
Building Code: Rules and regulations adopted by local or state authorities, overseeing the design and construction of buildings, their repair, use, and occupancy.
Built-Ins: Finish components installed as a complete part of a structure such as cabinetry, shelves, or furniture.
Fascia: A flat board used at the outer face of a cornice, called a gutter board.
Flashing: A thin, solid building material used to prevent water entering at roof edges, joints, windows, and doors.
Freeze Dry: To dry in a frozen state for purposes of protection
Fungi: A class of organism that lives by decomposing and absorbing organic materials
Green Board: A water resistant drywall used as a backer for ceramic tile in moist environment.
Heat Line: The visible division between areas affected by heat and those that were not.
Hepa Filter: High efficiency particulate arresting filer, capable of entrapping at least 99.8% ofair borne particles 0.3 microns in diameter or larger.
Hidden Damage: Damage not visible on the surface
HVAC: Heating, ventilating, and air conditioning.
Hygrometer: An instrument for measuring the humidity of the surrounding air.
Independent Adjuster: An insurance adjuster who handles losses for a variety of insurance companies on a fee basis.
Inventory: ( Could be total loss items or contents to be cleaned) An item by item listing of a group of articles.
Lien: A legal claim which one person has upon property of another, often as security for a debt.
Line Item: Work shown as an individual entry in a work estimate.
Like, kind and quality: Similar in type, function, and value, but not identical.
Licensed Tradesman: Plumber or electrician etc.
Masking: A protection for surfaces nearby paintwork, often involving paper and tape.
Mortgage Company: The lender from whom the mortgage is obtained.
Mortgage Clause: A requirement in building insurance to include the mortgagee or lender as a payee on any check issued under the policy.
On Location: Performed on site as opposed to the restorer’s warehouse.
Open Item: An item listed in an estimate, which the cost cannot be determined without further examination
Overhead & Profit: A combined allowance covering overhead expenses and operating profit.
Oxidize: A chemical reaction in which an element reacts with oxygen to form a different substance.
Ozone: A variation of oxygen which contains an extra oxygen atom, rendering the molecule unstable. Ozone is used as a deodorant.
Pack Out: The packing and transportation of all personal property to a restoration warehouse for cleaning and storage.
Paint Grade: Moldings that contain finger joints, making them inappropriate for clear finishes
Plastic Fires: A fire involving polymers as a primary fuel, resulting in highly acid fire residue.
Plenum: A main air duct serving one or more distribution ducts.
Pre loss Conditions: The appearance and state of repair which existed prior to the loss.
Preexisting Damages: Damage present before a loss.
Protein Fire: The slow burning of meat, fish, or fowl, which generates a highly noxious and relentless odor, carried by a clear and often invisible residue.
Punch List: Near the end of a project, a list of work to be performed by the contractor.
R&R: Remove and Replace
Remove and Reset: To take apart a building component and reinstall it after other repairs are taken care of.
Replacement Costs: The amount of money it takes to restore the dwelling to pre-loss condition without depreciation.
Rough In: The initial piping and electrical wiring which are installed within walls.
Scheduled Property: Personal Property individually listed on an insurance policy, often accompanied by a description and appraisal.
Scope: Detailed estimate of repairs required to restore damage.
Secondary Damages: Damage, which arises out of primary damage, such as mildew, corrosion or fire odor.
Short Term Lodging : Short lease on an apartment or house.
Single Family Dwelling: A house, not a duplex or an apartment.
Soffit: An enclosure which hides framing members, lighting fixtures, and unfinished space.
Soot: Fine black particles made up of carbon, produced by the incomplete combustion of fuel.
Square: A measure of roofing materials, equal to 100 sq. ft.
Subrogation: A standard policy term giving the insurer who paid a claim the right to act in the name of the insured in recovering the funds from another party.
Supplemental Estimates: A list of charges for additional work not covered in the original estimate.
Temporary Lodging/Housing: Hotel or motel lodging.
Temporary Repairs: Emergency work performed immediately after damage has occurred.
Thermal Fogging: Circulating odor counteracted by igniting a combustible material in which odor is dissolved.
Time and Material: A method of calculating charges by recording the hours worked, labor rates, materials cost and subcontractors charges.
Total Loss: An object or structure damages that are too severe to repair, or not cost effective to repair.
Vault: A secure enclosed area for the storage of personal property.
Wainscot: A decorative facing, such as wood paneling, applied on the lower portion of an interior wall.
Water Mark: A water stain.
Water Migration: The movement of water within a material by capillary action.
Wet Smoke: Airborne combustion products containing a high liquid component in the form of aerosols, usually generated by smoldering, oxygen starved fires.
Work Authorization: A document signed by a property owner requesting the contractor to perform damage repairs.
Work Specification: (aka Scope of work) A comprehensive listing of work to be performed, including quantities, material specifications, and performing details.