Estimating & Workflow
Functional damage
Damage that affects the way a component performs, even if it does not look severe. For example, a shingle that is creased or cracked may look intact from the ground but can still let water through. Insurance carriers use the difference between cosmetic and functional damage to decide coverage, so estimators describe what the damaged element does and how it fails, not only how it appears.
Common questions
What does "Functional damage" mean in Xactimate estimating?
Damage that affects the way a component performs, even if it does not look severe. For example, a shingle that is creased or cracked may look intact from the ground but can still let water through. Insurance carriers use the difference between cosmetic and functional damage to decide coverage, so estimators describe what the damaged element does and how it fails, not only how it appears.
Where does "Functional damage" 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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