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.

2 notes

RFG

Tear-off to deck

Roofing

Note Attached

Existing roof system documented as [X] layer(s) prior to tear-off. All layers removed to the deck per [applicable IRC roofing provisions / local code amendment / manufacturer warranty requirement] for the replacement system. Overlay is not permitted given the existing layer count and substrate condition. Photos of layer count and deck condition included in the claim file. Verify the applicable IRC section in the code edition adopted in your jurisdiction; section numbers vary between editions.

IRC

More Details

RFG

Ice and water shield at eaves and valleys

Roofing

Note Attached

Ice and water shield installed at eaves, valleys, and roof penetrations per applicable IRC provisions and the local code amendment for this climate zone. Coverage at the eave extends a minimum distance inside the interior wall line as required by the adopted code, to address ice damming risk. Code requirement applies to the replacement system regardless of whether the original roof included this material. Verify the applicable IRC section, eave coverage distance, and climate-zone requirements in the code edition adopted in your jurisdiction.

IRC

More Details

Community Resource

Have a note that's helped close claims faster? This directory grows when professionals share what works in the field.

Submit a Note