Common use of Photographs Clause in Contracts

Photographs. are used to record damage, or lack thereof, and support the cause of loss. Photographs should be clear, not blurry, be annotated, detailed and include: • Date taken and by whom • All available exterior elevations o Front elevation with address verification is the only requirement for condominium risks • Verification of the address • Support of the damages including damage close-up and room overviews • Undamaged areas relevant to the location of the direct physical damage; i.e., undamaged cabinet faces, continuous surfaces, etc. • Correct labeling, correlating to the Xactimate Sketch • Roof slopes and pitch for applicable causes of loss including: o Roof layers, drip edges, gutters, vents, jacks Diagrams - Are required in Xactimate Sketch and should follow the roof and / or risk floor plan relevant to the damages found and / or reported. Pod diagramming is prohibited. Diagram should include: • Measurements +/- 3” of actual dimensions • Include ceiling height adjustments when appropriate • Doors, openings, Reference Areas and Reference Blocks 32 SF or greater with areas under, behind and above factored out appropriately o Reference Areas / Blocks include tub and tile surrounds, cabinets and built-ins, etc. • Point of origin notated • Exterior elevations when relevant to the loss or damage • Aerial diagrams are an acceptable alternative to roof sketching in Xactimate if the damage has been verified by the Adjuster’s inspection and photographs Personal Property Damages - are addressed in the claim file when coverage is afforded and the facts suggest an exposure exists. If the Insured or their Representative asserts a Personal Property claim or the investigation suggests damages relevant to the cause of loss: • Conduct a physical inspection, if needed • Determine if a Content Unit referral is appropriate • Consider policy provisions with regard to Personal Property (Coverage C) Limits and Exclusions • Complete Citizens’ Personal Property Inventory Form (PPIF). Insured should sign the form if completing it without the Adjuster’s assistance. The PPIF should include: o Item description, brand, serial and model number o Cost o Age March 2017 Back To Top 12 • Consider alternative forms for smaller Personal Property claims or ones adjusted through verbal (telephone) reporting • Provide supporting ownership documentation as reasonable. This may include: o Receipts, credit card statements, cancelled checks o Photographs o Instruction manuals, warranty documents o Independent appraisals or other methods / forms of documentation for high value items may be appropriate • Consider utilization of XactContents as an alternate to the Citizens’ PPIF • Determine depreciation based on age and condition on a per-item basis. o Global depreciation is prohibited Loss of Use / Fair Rental Value (ALE / FRV) - Discussion should be held with the Insured and / or their Representative when coverage is afforded and the facts suggest an exposure exists. (i.e. kitchen or single bathroom dwelling left unserviceable from the covered cause of loss) If the Insured or their Representative asserts a claim, the Adjuster should consider the following: • Loss of Use is payable as incurred by the Insured and comparable to the Insured’s normal standard of living. o Consider an advance payment when the risk is not fit to live-in o Additional Living Expense or Loss of Use is generally payable during the reasonable Period of Restoration needed to return the Insured property to a habitable condition o ALE Worksheet with supporting documentation should include normal and increased cost of living expenses, such as: ▪ Monthly rent, hotel / motel expenses ▪ Increased utility expense ▪ Increased mileage to / from temporary living accommodations ▪ Food, meal and emergency household expenses ▪ Pet boarding • FRV is payable if a covered loss makes the part of the insured risk that is rented, or held for rent, not fit to live in. o The payment should be for the shortest time required to repair or replace that damaged section of the risk o This coverage is limited to twenty-four (24) consecutive months from the date of the covered loss o The following resources should be considered when calculating Fair Rental Value: ▪ Online Rental Valuation or local rental listings ▪ Preferred Housing Vendors ▪ Signed Lease with supporting documentation • The Period of Restoration should be determined at the onset of the claim and managed until repairs are completed or they may stop as soon as a portion of the repairs are completed. If an extension beyond the reasonable period of restoration is requested, the reason should be verified and documented in the file notes. o The Adjuster should include an initial Period of Restoration agreement or understanding with the Insured, their Representative and / or servicing contractor o The file notes should be updated appropriately throughout the ALE / FRV process March 2017 Back To Top 13

Photographs. are used to record damage, or lack thereof, and support the cause of loss. Photographs should be clear, not blurry, be annotated, detailed and include: •  Date taken and by whom •  All available exterior elevations o Front elevation with address verification is the only requirement for condominium risks •  Verification of the address •  Support of the damages including damage close-up and room overviews •  Undamaged areas relevant to the location of the direct physical damage; i.e., undamaged cabinet faces, continuous surfaces, etc. •  Correct labeling, correlating to the Xactimate Sketch •  Roof slopes and pitch for applicable causes of loss including: o Roof layers, drip edges, gutters, vents, jacks Diagrams - Are required in Xactimate Sketch and should follow the roof and / or risk floor plan relevant to the damages found and / or reported. Pod diagramming is prohibited. Diagram should include: •  Measurements +/- 3” of actual dimensions •  Include ceiling height adjustments when appropriate •  Doors, openings, Reference Areas and Reference Blocks 32 SF or greater with areas under, behind and above factored out appropriately o Reference Areas / Blocks include tub and tile surrounds, cabinets and built-ins, etc. •  Point of origin notated •  Exterior elevations when relevant to the loss or damage •  Aerial diagrams are an acceptable alternative to roof sketching in Xactimate if the damage has been verified by the Adjuster’s inspection and photographs Personal Property Damages - are addressed in the claim file when coverage is afforded and the facts suggest an exposure exists. If the Insured or their Representative asserts a Personal Property claim or the investigation suggests damages relevant to the cause of loss: •  Conduct a physical inspection, if needed •  Determine if a Content Unit referral is appropriate •  Consider policy provisions with regard to Personal Property (Coverage C) Limits and Exclusions •  Complete Citizens’ Personal Property Inventory Form (PPIF). Insured should sign the form if completing it without the Adjuster’s assistance. The PPIF should include: o Item description, brand, serial and model number o Cost o Age March 2017 Back To Top 12 •  Consider alternative forms for smaller Personal Property claims or ones adjusted through verbal (telephone) reporting •  Provide supporting ownership documentation as reasonable. This may include: o Receipts, credit card statements, cancelled checks o Photographs o Instruction manuals, warranty documents o Independent appraisals or other methods / forms of documentation for high value items may be appropriate •  Consider utilization of XactContents as an alternate to the Citizens’ PPIF •  Determine depreciation based on age and condition on a per-item basis. o Global depreciation is prohibited Loss of Use / Fair Rental Value (ALE / FRV) - Discussion should be held with the Insured and / or their Representative when coverage is afforded and the facts suggest an exposure exists. (i.e. kitchen or single bathroom dwelling left unserviceable from the covered cause of loss) If the Insured or their Representative asserts a claim, the Adjuster should consider the following: •  Loss of Use is payable as incurred by the Insured and comparable to the Insured’s normal standard of living. o Consider an advance payment when the risk is not fit to live-in o Additional Living Expense or Loss of Use is generally payable during the reasonable Period of Restoration needed to return the Insured property to a habitable condition o ALE Worksheet with supporting documentation should include normal and increased cost of living expenses, such as: ▪  Monthly rent, hotel / motel expenses ▪  Increased utility expense ▪  Increased mileage to / from temporary living accommodations ▪  Food, meal and emergency household expenses ▪  Pet boarding •  FRV is payable if a covered loss makes the part of the insured risk that is rented, or held for rent, not fit to live in. o The payment should be for the shortest time required to repair or replace that damaged section of the risk o This coverage is limited to twenty-four (24) consecutive months from the date of the covered loss o The following resources should be considered when calculating Fair Rental Value: ▪  Online Rental Valuation or local rental listings ▪  Preferred Housing Vendors ▪  Signed Lease with supporting documentation •  The Period of Restoration should be determined at the onset of the claim and managed until repairs are completed or they may stop as soon as a portion of the repairs are completed. If an extension beyond the reasonable period of restoration is requested, the reason should be verified and documented in the file notes. o The Adjuster should include an initial Period of Restoration agreement or understanding with the Insured, their Representative and / or servicing contractor o The file notes should be updated appropriately throughout the ALE / FRV process March 2017 Back To Top 13

Photographs. are used to record damage, or lack thereof, and support the cause of loss. Photographs should be clear, not blurry, be annotated, detailed and include: • Date taken and by whom • All available exterior elevations o Front elevation with address verification is the only requirement for condominium risks • Verification of the address • Support of the damages including damage close-up and room overviews • Undamaged areas relevant to the location of the direct physical damage; i.e., undamaged cabinet faces, continuous surfaces, etc. • Correct labeling, correlating to the Xactimate Sketch • Roof slopes and pitch for applicable causes of loss including: o Roof layers, drip edges, gutters, vents, jacks Diagrams - Are required in Xactimate Sketch and should follow the roof and / or risk floor plan relevant to the damages found and / or reported. Pod diagramming is prohibited. Diagram should include: • Measurements +/- 3” of actual dimensions • Include ceiling height adjustments when appropriate • Doors, openings, Reference Areas and Reference Blocks 32 SF or greater with areas the area under, behind and above factored out appropriately o Reference Areas / Blocks include tub and tile surrounds, cabinets and built-ins, etc. • Point of origin and area of damage notated • Exterior elevations when relevant to the loss or damage • Aerial diagrams are an acceptable alternative to roof sketching in Xactimate if the damage has been verified by the Adjuster’s inspection and photographs photos Personal Property Damages - are addressed in the claim file when coverage is afforded and the facts suggest an exposure exists. If the Insured or their Representative asserts a Personal Property claim or the investigation suggests damages relevant to the cause of loss: • Conduct a physical inspection, if needed • Determine if a Content Unit referral is appropriate • Consider policy provisions with regard to Personal Property (Coverage C) Limits and Exclusions • Complete Citizens’ Personal Property Inventory Form (PPIF). Insured should sign the form if completing it without the Adjuster’s assistance. The PPIF should include: o Item description, brand, serial and model number o Cost o Age March 2017 Back To Top 12 • Consider alternative forms for smaller Personal Property claims or ones adjusted through verbal (telephone) reporting • Provide supporting ownership documentation as reasonable. This may include: o Receipts, credit card statements, cancelled checks o Photographs o Instruction manuals, warranty documents September Rev.4, Back To Top 12 o Independent appraisals or other methods / forms of documentation for high value items may be appropriate • Consider utilization of XactContents as an alternate to the Citizens’ PPIF • Determine depreciation based on age and condition on a per-item basis. o Global depreciation is prohibited Loss of Use / Fair Rental Value (ALE / FRV) - Discussion should be held with Payments are addressed in the Insured and / or their Representative claim file when coverage is afforded and the facts suggest an exposure exists. (i.e. kitchen or single bathroom dwelling left unserviceable from the covered cause of loss) If the Insured or their Representative asserts a claim, or the investigation suggests an exposure relevant to the cause of loss, the Adjuster should consider the following: • Loss of Use is payable as incurred by the Insured and comparable to the Insured’s normal standard of living. o Consider an advance payment when the risk is not fit to live-in o Additional Living Expense or Loss of Use is generally payable during the reasonable Period of Restoration needed to return the Insured property to a habitable condition o ALE Worksheet with supporting documentation should include normal and increased cost of living expenses, such as: ▪ Monthly rent, hotel / motel expenses ▪ Increased utility expense ▪ Increased mileage to / from temporary living accommodations ▪ Food, meal and emergency household expenses ▪ Pet boarding • FRV is payable if a covered loss makes the part of the insured risk that is rented, or held for rent, not fit to live in. o The payment should be for the shortest time required to repair or replace that damaged section of the risk o This coverage is limited to twenty-four (24) consecutive months from the date of the covered loss o The following resources should be considered when calculating Fair Rental Value: ▪ Online Rental Valuation or local rental listings ▪ Preferred Housing Vendors ▪ Signed Lease with supporting documentation • The Period of Restoration should be determined at the onset of the claim and managed until repairs are completed or they may stop as soon as a portion of the repairs are completed. If an extension beyond the reasonable period of restoration is requested, the reason should be verified and documented in the file notes. o The Adjuster should include an initial Period of Restoration agreement or understanding with the Insured, their Representative and / or servicing contractor o The file notes should be updated appropriately throughout the ALE / FRV process March 2017 TECHNICAL ESTIMATE Citizens currently utilizes the Xactimate Estimating Program to assist in the preparation of property damage estimates. All estimates should be written in a line item format and categorized into individual rooms with no ‘lump sum’ categories. • The completed estimate with photos and sketch for the undisputed damages should be uploaded within five (5) calendar days after the inspection / assessment September Rev.4, Back To Top 1313 • For Large Loss, the upload requirement is twenty-one (21) calendar days after the inspection / assessment involving “Coverage A” Dwelling and / or Building for estimates greater than (>) $50,000. The Commercial expectation is also twenty-one (21) calendar days o Any delay in meeting this guideline should be supported with file documentation Insured’s Submitted Estimates and Bids - Contractor’s (including Emergency Services) itemized estimates, invoices and contracts should have a comparative line item estimate completed by the Adjuster to verify the correct pricing and cost evaluation is being used. • Any submissions should be reviewed and addressed within three (3) calendar days of receipt • If upon completing the comparative estimate, the contractor’s bid and / or itemized estimate is deemed to be acceptable, the agreed amount should be added to the final Xactimate estimate as a single line item entry with an Xactimate line item note explanation. o The comparative estimate is to be uploaded into electronic file documentation • A file or Xactimate note should be added to explain the cost comparative analysis Estimate Line Items - It is recommended and preferred that all Xactimate material and line item descriptions not be manipulated, changed or revised. If a line item description is determined to be ambiguous, it is recommended that an Xactimate note is entered to support the line item. Adjusters should consider the following when preparing an Xactimate estimate: • Price List – Utilize the default Xactimate Assignment Received price list aligned to the appropriate risk zip code. o Reopens and / or supplements may require a more current price list for new and / or adjusted line items aligned to the period of time that evolved from the time of the initial estimate • Repair vs. Replace - The estimate should include labor and materials relevant to the direct physical damage incurred. o Adjustments should be considered between reparability vs. replacement. The Adjuster should use care with regard to the potential for undamaged items, duplication of items and overlap of estimate items o Material Quality – It is vital that the Adjuster reviews line item definitions for each quality style to determine the closest matching replacement product • Material grade ratings utilized other than Average Grade should be explained in the Xactimate or file notes and / or supported with photographs • Labor Hours - Labor assumptions are included in most Xactimate line items. Labor hours to supplement a line item are normally not permissible. If there is an exception, the Adjuster should support the inclusion with photos and an Xactimate line item or file note.

Photographs. are used to record damage, or lack thereof, and support the cause of loss. Photographs should be clear, not blurry, be annotated, detailed and include: •  Date taken and by whom •  All available exterior elevations o Front elevation with address verification is the only requirement for condominium risks •  Verification of the address •  Support of the damages including damage close-up and room overviews •  Undamaged areas relevant to the location of the direct physical damage; i.e., undamaged cabinet faces, continuous surfaces, etc. •  Correct labeling, correlating to the Xactimate Sketch •  Roof slopes and pitch for applicable causes of loss including: o Roof layers, drip edges, gutters, vents, jacks Diagrams - Are required in Xactimate Sketch and should follow the roof and / or risk floor plan relevant to the damages found and / or reported. Pod diagramming is prohibited. Diagram should include: •  Measurements +/- 3” of actual dimensions •  Include ceiling height adjustments when appropriate •  Doors, openings, Reference Areas and Reference Blocks 32 SF or greater with areas the area under, behind and above factored out appropriately o Reference Areas / Blocks include tub and tile surrounds, cabinets and built-ins, etc. •  Point of origin and area of damage notated •  Exterior elevations when relevant to the loss or damage •  Aerial diagrams are an acceptable alternative to roof sketching in Xactimate if the damage has been verified by the Adjuster’s inspection and photographs photos Personal Property Damages - are addressed in the claim file when coverage is afforded and the facts suggest an exposure exists. If the Insured or their Representative asserts a Personal Property claim or the investigation suggests damages relevant to the cause of loss: •  Conduct a physical inspection, if needed •  Determine if a Content Unit referral is appropriate •  Consider policy provisions with regard to Personal Property (Coverage C) Limits and Exclusions •  Complete Citizens’ Personal Property Inventory Form (PPIF). Insured should sign the form if completing it without the Adjuster’s assistance. The PPIF should include: o Item description, brand, serial and model number o Cost o Age March 2017 Back To Top 12 •  Consider alternative forms for smaller Personal Property claims or ones adjusted through verbal (telephone) reporting •  Provide supporting ownership documentation as reasonable. This may include: o Receipts, credit card statements, cancelled checks o Photographs o Instruction manuals, warranty documents September Rev.4, Back To Top 12 o Independent appraisals or other methods / forms of documentation for high value items may be appropriate •  Consider utilization of XactContents as an alternate to the Citizens’ PPIF •  Determine depreciation based on age and condition on a per-item basis. o Global depreciation is prohibited Loss of Use / Fair Rental Value (ALE / FRV) - Discussion should be held with Payments are addressed in the Insured and / or their Representative claim file when coverage is afforded and the facts suggest an exposure exists. (i.e. kitchen or single bathroom dwelling left unserviceable from the covered cause of loss) If the Insured or their Representative asserts a claim, or the investigation suggests an exposure relevant to the cause of loss, the Adjuster should consider the following: •  Loss of Use is payable as incurred by the Insured and comparable to the Insured’s normal standard of living. o Consider an advance payment when the risk is not fit to live-in o Additional Living Expense or Loss of Use is generally payable during the reasonable Period of Restoration needed to return the Insured property to a habitable condition o ALE Worksheet with supporting documentation should include normal and increased cost of living expenses, such as: ▪  Monthly rent, hotel / motel expenses ▪  Increased utility expense ▪  Increased mileage to / from temporary living accommodations ▪  Food, meal and emergency household expenses ▪  Pet boarding •  FRV is payable if a covered loss makes the part of the insured risk that is rented, or held for rent, not fit to live in. o The payment should be for the shortest time required to repair or replace that damaged section of the risk o This coverage is limited to twenty-four (24) consecutive months from the date of the covered loss o The following resources should be considered when calculating Fair Rental Value: ▪  Online Rental Valuation or local rental listings ▪  Preferred Housing Vendors ▪  Signed Lease with supporting documentation •  The Period of Restoration should be determined at the onset of the claim and managed until repairs are completed or they may stop as soon as a portion of the repairs are completed. If an extension beyond the reasonable period of restoration is requested, the reason should be verified and documented in the file notes. o The Adjuster should include an initial Period of Restoration agreement or understanding with the Insured, their Representative and / or servicing contractor o The file notes should be updated appropriately throughout the ALE / FRV process March 2017 TECHNICAL ESTIMATE Citizens currently utilizes the Xactimate Estimating Program to assist in the preparation of property damage estimates. All estimates should be written in a line item format and categorized into individual rooms with no ‘lump sum’ categories.  The completed estimate with photos and sketch for the undisputed damages should be uploaded within five (5) calendar days after the inspection / assessment September Rev.4, Back To Top 1313  For Large Loss, the upload requirement is twenty-one (21) calendar days after the inspection / assessment involving “Coverage A” Dwelling and / or Building for estimates greater than (>) $50,000. The Commercial expectation is also twenty-one (21) calendar days o Any delay in meeting this guideline should be supported with file documentation Insured’s Submitted Estimates and Bids - Contractor’s (including Emergency Services) itemized estimates, invoices and contracts should have a comparative line item estimate completed by the Adjuster to verify the correct pricing and cost evaluation is being used.  Any submissions should be reviewed and addressed within three (3) calendar days of receipt  If upon completing the comparative estimate, the contractor’s bid and / or itemized estimate is deemed to be acceptable, the agreed amount should be added to the final Xactimate estimate as a single line item entry with an Xactimate line item note explanation. o The comparative estimate is to be uploaded into electronic file documentation  A file or Xactimate note should be added to explain the cost comparative analysis Estimate Line Items - It is recommended and preferred that all Xactimate material and line item descriptions not be manipulated, changed or revised. If a line item description is determined to be ambiguous, it is recommended that an Xactimate note is entered to support the line item. Adjusters should consider the following when preparing an Xactimate estimate:  Price List – Utilize the default Xactimate Assignment Received price list aligned to the appropriate risk zip code. o Reopens and / or supplements may require a more current price list for new and / or adjusted line items aligned to the period of time that evolved from the time of the initial estimate  Repair vs. Replace - The estimate should include labor and materials relevant to the direct physical damage incurred. o Adjustments should be considered between reparability vs. replacement. The Adjuster should use care with regard to the potential for undamaged items, duplication of items and overlap of estimate items o Material Quality – It is vital that the Adjuster reviews line item definitions for each quality style to determine the closest matching replacement product  Material grade ratings utilized other than Average Grade should be explained in the Xactimate or file notes and / or supported with photographs  Labor Hours - Labor assumptions are included in most Xactimate line items. Labor hours to supplement a line item are normally not permissible. If there is an exception, the Adjuster should support the inclusion with photos and an Xactimate line item or file note.

Photographs. are used to record damage, or lack thereof, and support the cause of loss. Photographs should be clear, not blurry, be annotated, detailed and include: •  Date taken and by whom •  All available exterior elevations o Front elevation with address verification is the only requirement for condominium risks •  Verification of the address •  Support of the damages including damage close-up and room overviews •  Undamaged areas relevant to the location of the direct physical damage; i.e., undamaged cabinet faces, continuous surfaces, etc. •  Correct labeling, correlating to the Xactimate Sketch •  Roof slopes and pitch for applicable causes of loss including: o Roof layers, drip edges, gutters, vents, jacks Diagrams - Are required in Xactimate Sketch and should follow the roof and / or risk floor plan relevant to the damages found and / or reported. Pod diagramming is prohibited. Diagram should include: •  Measurements +/- 3” of actual dimensions •  Include ceiling height adjustments when appropriate •  Doors, openings, Reference Areas and Reference Blocks 32 SF or greater with areas under, behind and above factored out appropriately o Reference Areas / Blocks include tub and tile surrounds, cabinets and built-ins, etc. •  Point of origin notated •  Exterior elevations when relevant to the loss or damage •  Aerial diagrams are an acceptable alternative to roof sketching in Xactimate if the damage has been verified by the Adjuster’s inspection and photographs Personal Property Damages - are addressed in the claim file when coverage is afforded and the facts suggest an exposure exists. If the Insured or their Representative asserts a Personal Property claim or the investigation suggests damages relevant to the cause of loss: •  Conduct a physical inspection, if needed •  Determine if a Content Unit referral is appropriate •  Consider policy provisions with regard to Personal Property (Coverage C) Limits and Exclusions •  Complete Citizens’ Personal Property Inventory Form (PPIF). Insured should sign the form if completing it without the Adjuster’s assistance. The PPIF should include: o Item description, brand, serial and model number o Cost o Age March 2017 Back To Top 12 •  Consider alternative forms for smaller Personal Property claims or ones adjusted through verbal (telephone) reporting •  Provide supporting ownership documentation as reasonable. This may include: o Receipts, credit card statements, cancelled checks o Photographs o Instruction manuals, warranty documents o Independent appraisals or other methods / forms of documentation for high value items may be appropriate •  Consider utilization of XactContents as an alternate to the Citizens’ PPIF •  Determine depreciation based on age and condition on a per-item basis. o Global depreciation is prohibited Loss of Use / Fair Rental Value (ALE / FRV) - Discussion should be held with the Insured and / or their Representative when coverage is afforded and the facts suggest an exposure exists. (i.e. kitchen or single bathroom dwelling left unserviceable from the covered cause of loss) If the Insured or their Representative asserts a claim, the Adjuster should consider the following: •  Loss of Use is payable as incurred by the Insured and comparable to the Insured’s normal standard of living. o Consider an advance payment when the risk is not fit to live-in o Additional Living Expense or Loss of Use is generally payable during the reasonable Period of Restoration needed to return the Insured property to a habitable condition o ALE Worksheet with supporting documentation should include normal and increased cost of living expenses, such as: ▪  Monthly rent, hotel / motel expenses ▪  Increased utility expense ▪  Increased mileage to / from temporary living accommodations ▪  Food, meal and emergency household expenses ▪  Pet boarding •  FRV is payable if a covered loss makes the part of the insured risk that is rented, or held for rent, not fit to live in. o The payment should be for the shortest time required to repair or replace that damaged section of the risk o This coverage is limited to twenty-four (24) consecutive months from the date of the covered loss o The following resources should be considered when calculating Fair Rental Value: ▪  Online Rental Valuation or local rental listings ▪  Preferred Housing Vendors ▪  Signed Lease with supporting documentation •  The Period of Restoration should be determined at the onset of the claim and managed until repairs are completed or they may stop as soon as a portion of the repairs are completed. If an extension beyond the reasonable period of restoration is requested, the reason should be verified and documented in the file notes. o The Adjuster should include an initial Period of Restoration agreement or understanding with the Insured, their Representative and / or servicing contractor o The file notes should be updated appropriately throughout the ALE / FRV process March 2017 Back To Top 13TECHNICAL ESTIMATE Citizens currently utilizes the Xactimate Estimating Program to assist in the preparation of property damage estimates. All estimates should be written in a line item format and categorized into individual rooms with no ‘lump sum’ categories.  After the inspection / assessment of Dwelling and / or Building losses, the completed undisputed damage estimate with photographs and sketch should be uploaded as follows. Reasonable rationale should support any delay if these requirement(s) cannot be met. (i.e., awaiting expert report relevant to coverage or exposure)