Money & Pricing
Three-Trade Rule
A carrier guideline that allows overhead and profit for a general contractor when a loss needs three or more separate trades. It is a rule of thumb, not a policy term, and carriers apply their own versions, so answer a denial with your trade list. Some carriers use a different threshold, or none at all.
Full guide: op trap true budget insurance claims
Common questions
What does "Three-Trade Rule" mean in Xactimate estimating?
A carrier guideline that allows overhead and profit for a general contractor when a loss needs three or more separate trades. It is a rule of thumb, not a policy term, and carriers apply their own versions, so answer a denial with your trade list. Some carriers use a different threshold, or none at all.
Where does "Three-Trade Rule" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow, see the full guide for where it fits.
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