Estimating & Workflow
Cause of loss
The peril that produced the damage, such as wind, hail, fire, or water. A policy covers only the causes that its terms allow, so the cause of loss decides whether a claim is payable at all. The adjuster records the cause on the report and the estimate, and it shapes the rest of the claim.
Common questions
What does "Cause of loss" mean in Xactimate estimating?
The peril that produced the damage, such as wind, hail, fire, or water. A policy covers only the causes that its terms allow, so the cause of loss decides whether a claim is payable at all. The adjuster records the cause on the report and the estimate, and it shapes the rest of the claim.
Where does "Cause of loss" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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