F9 Notes

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.

4 notes
F9
Note Attached

[X] air movers deployed across the affected area, sized per IICRC S500 guidance with additional units for cabinetry, closets, and obstructed areas. Quantity reflects the Class [X] loss conditions and the surface area requiring evaporative airflow. Placement adjusted during daily monitoring as materials dry. Verify air mover ratios and class definitions against the current published edition of IICRC S500.

IICRC S500
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F9
Note Attached

Daily moisture monitoring performed by a certified technician. Readings recorded for affected materials, unaffected reference materials (dry standard), ambient temperature, relative humidity, and grains per pound. Equipment performance verified and adjustments made as conditions change. Monitoring continues until affected materials reach the established dry standard. Full log available in claim file.

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F9
Note Attached

Antimicrobial agent applied to affected substrates following a Category 2 water loss per IICRC S500 guidelines. Application is necessary to address contamination on materials that contacted grey water and to inhibit microbial growth during the drying process. Product used is EPA-registered for the affected surface types. Source of loss and category determination documented in initial assessment and photo log. Verify against the current published edition of IICRC S500.

IICRC S500
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F9
Note Attached

LGR dehumidifier deployed based on Class [X] / Category [X] conditions and the materials present. LGR equipment selected over standard refrigerant due to [dense materials requiring deeper extraction / lower grain conditions needed to dry hardwood, plaster, or concrete / structural cavity drying]. Equipment sizing follows IICRC S500 dehumidification calculations for the affected cubic footage. Performance recorded in daily moisture log. Verify against the current published edition of IICRC S500.

IICRC S500
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