F9 Notes

Copy-ready documentation frameworks for property insurance estimates, written by claims professionals and organized by trade.

An F9 note is the line-item explanation an estimator adds to document what was done and why — turning a list of charges into a record that explains itself. Learn more

Disclaimer

This resource is provided for educational and informational purposes only. It is not legal advice, claims advice, engineering advice, or professional consulting of any kind, and no attorney-client, adjuster-client, or consultant-client relationship is created by reading or using it. Nothing in this resource should be relied upon as a substitute for the judgment of a qualified professional applied to the facts of a specific loss, the specific policy in force, and the law and codes of the jurisdiction where the loss occurred.

Industry standards (such as those published by the IICRC, NFPA, and others) are revised periodically. Citations and figures reflect general industry practice and may not match the current published edition of any standard. Building codes vary by jurisdiction and are amended over time. The reader is responsible for verifying the current version of any standard or code before relying on it.

The example F9 notes are starting frameworks, not finished text. They should be reviewed, edited, and verified by the professional preparing the estimate before being attached to any claim.

3 notes

DMO

PPE for affected environment

General Demolition

Note Attached

Personal Protective Equipment required for technicians working in the affected environment, including respirators, suits, gloves, and eye protection. PPE selection based on contamination category, materials present, and tasks performed. Required by OSHA standards, IICRC guidelines, and company safety protocols.

OSHA

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DMO

Flood cut

General Demolition

Note Attached

Drywall removed [X] inches above the highest point of moisture migration, confirmed by moisture meter readings and thermal imaging. Cut performed to expose the wall cavity for drying, inspection of insulation and framing, and removal of porous material that cannot be dried in place within the standard drying window. Consistent with IICRC S500 guidance for affected gypsum in Category [X] conditions. Verify against the current published edition of IICRC S500.

IICRC S500

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DMO

Containment with negative air

General Demolition

Note Attached

6-mil poly containment installed with zippered access to isolate the work area from unaffected portions of the structure. Negative air machine with HEPA filtration deployed inside containment to capture airborne particulate during demolition and drying. Pressure differential maintained to prevent cross-contamination, consistent with IICRC S520 guidelines. Containment is necessary due to [microbial growth / Category 3 conditions / occupied adjacent areas / dust generation from demolition]. Verify against the current published edition of IICRC S520.

IICRC S520

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