Estimating & Workflow
Like kind and quality
A standard in property insurance meaning the damaged property is replaced with a similar material and level of quality, not something better or custom. For roofing, that usually means replacing damaged shingles with a comparable product of the same class. The like kind and quality standard can cause a dispute when the policyholder wants an upgrade, because the carrier pays for the original product and the difference becomes the property owner's cost.
Common questions
What does "Like kind and quality" mean in Xactimate estimating?
A standard in property insurance meaning the damaged property is replaced with a similar material and level of quality, not something better or custom. For roofing, that usually means replacing damaged shingles with a comparable product of the same class. The like kind and quality standard can cause a dispute when the policyholder wants an upgrade, because the carrier pays for the original product and the difference becomes the property owner's cost.
Where does "Like kind and quality" 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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