Mar 092017

Insurers and Xactimate… One and the same.

Insurers and Xactimate… One and the same.

When Xactimate says, “The painter normally removes electrical plates and light fixtures during their normal work process.”

This is the painter’s idea… Why the painter makes $25.00 an hour and the electrician $77.00.


No disrespect, just #trade specific.

This is all done for one reason… the carrier said so.

Who is the single beneficiary of this illegal tactic? You get three guesses, and the first two do not count.


Who does it harm? Every single person/entity involved in the claim process, up to, but not limited by, all the folks from the trickle down effect of where that money was actually going to be spent by the hard workers who earned it working in the streets or from home, of course with staff working from home the use of this guide on how to monitor staff working from home it’s very useful. The insured, me, you… and everyone else, save… insurers.

NEC (National Electrical Code) is clear, two people can touch a mechanically attached appliance. Be it an air register, electrical plate, or faucet. The person who is licensed in that trade, or the owner. I would never suggest the latter do their own work.

Homestead Permit. A person who is not licensed to perform electrical work may perform electrical work at his or her homestead if all of the following requirements are met:

(a) the residence is the person’s homestead and principal residence;

(b) the electrical work does not include the main electric service;

(c) the person has not secured a homestead permit for another residence within the prior 12 month period;

(d) the person has owned and occupied the property as of January 1 of the tax year in which the person applies for a homestead permit;

(e) a person must obtain a homestead permit and pay required permit fees before beginning any electrical, mechanical, or plumbing work. A person must apply for a homestead permit in person and must file an affidavit stating that the location at which the work is to be done is the person’s homestead;

(f) a person who has obtained a homestead permit may not allow or cause any person to perform electrical, mechanical, or plumbing work under the permit. The building official may suspend or revoke a homestead permit if work done under the permit is performed by anyone other than the person who obtained the permit;

(g) a person may not transfer a permit to another person;

(h) a person performing electrical, mechanical, or plumbing work under a homestead permit shall present a picture identification to verify that the person is authorized to perform work under the homestead permit when requested by the building official or his designee; and

(i) a homestead permit shall not be issued for electrical, mechanical, or plumbing work on a mobile, modular or manufactured home unless the homeowner owns the land on which the mobile, modular or manufactured home is located. A homestead permit shall not be issued if the mobile, modular or manufactured home is located in a mobile home park, mobile home community or other commercial premises.

Following link from Justia:

2005 Texas Occupations Code CHAPTER 1305. ELECTRICIANS

§ 1305.151. LICENSE REQUIRED.  Except as provided by 
Section 1305.003, a person or business may not perform or offer to 
perform electrical work unless the person or business holds an 
appropriate license issued or recognized under this chapter.
(11)  "Electrical work" means any labor or material 
used in installing, maintaining, or extending an electrical wiring 
system and the appurtenances, apparatus, or equipment used in 
connection with the use of electrical energy in, on, outside, or 
attached to a building, residence, structure, property, or 
premises.  The term includes service entrance conductors as defined 
by the National Electrical Code.

Xactimate now actually flags D&R items where paint is the only other trade, and tell you to remove the line item because the painter does this…

Illegal and very profitable… Done way before you paid any premium, and certainly before you ever filed a claim… Premeditated. Just another way they have figured out how to not pay a portion of your claim.

Have a great day, and when you catch them doing this stuff, speak up.

Only way I know how to #ProtectTheInsured


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