Claims & Insurance
Pre-existing damage
Wear, rot, or failure that existed before the loss date and is not covered by the policy. Adjusters exclude it, so contractors should document the condition at the time of inspection with dated photos and note what the new damage added on top of it.
Common questions
What does "Pre-existing damage" mean in Xactimate estimating?
Wear, rot, or failure that existed before the loss date and is not covered by the policy. Adjusters exclude it, so contractors should document the condition at the time of inspection with dated photos and note what the new damage added on top of it.
Where does "Pre-existing 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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