Claims & Insurance
Total Loss Determination
A decision that repairing the property no longer makes sense, so the claim is settled as a total loss rather than a repair. The threshold differs by policy and by state, so do not assume a fixed percentage. After the declaration, the settlement usually follows the policy limit and coverage form, not the repair estimate.
Common questions
What does "Total Loss Determination" mean in Xactimate estimating?
A decision that repairing the property no longer makes sense, so the claim is settled as a total loss rather than a repair. The threshold differs by policy and by state, so do not assume a fixed percentage. After the declaration, the settlement usually follows the policy limit and coverage form, not the repair estimate.
Where does "Total Loss Determination" 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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