Scope of Loss
The written description of damaged property and operations needed to return the insured to pre-loss condition.
Scope drives the estimate — room by room, trade by trade. Agreement on scope precedes price negotiation. Omissions cause supplements; over-scoping inflates reserves.
Examples
A fire scope lists demo of charred drywall, smoke sealant, HVAC duct cleaning, and full repaint of affected rooms.
Common Misconceptions
Verbally agreed scope not captured in writing leads to payment disputes. Hidden damage discovered mid-job needs documented supplements.
Related Terms
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Back to Glossary Claims Pages AcademyThis definition is provided for informational and educational purposes. Insurance terminology may vary by jurisdiction, policy, and context. Consult a licensed professional for guidance specific to your situation.
