Understanding Fenestration Testing for Adjusters and Defense Attorneys in the Claims Process
Fenestration testing is an essential aspect of the claims process when dealing with damage related to windows, doors and skylights. Adjusters and defense attorneys play a crucial role in assisting clients in navigating this process. Fenestration testing provides scientific evidence that can be used to establish causation and extent of damage. In this blog post, we will explore what fenestration testing is, how it works, and why it is important for adjusters and defense attorneys in the claims process.
What is Fenestration Testing?
Fenestration testing is a specialized type of testing that evaluates the performance of windows, doors and skylights. This testing is used to assess the structural integrity, air infiltration, water penetration, and thermal performance of these components. Fenestration testing is conducted in in the field by subjecting the windows, doors or skylights to simulated weather conditions. This testing provides a standardized way to evaluate the performance of fenestration systems and is critical in understanding the level of damage sustained after a loss.
How Does Fenestration Testing Work?
Fenestration testing involves a series of tests that are designed to simulate wind-driven rain, air infiltration, and thermal transfer. A skilled fenestration contractor, such as Addison Riley, LLC can perform non-destructive testing methods as well. A typical test might involve setting up a sealed vacuum chamber around a window, door or skylight. The chambered area is then subjected to wind-driven rain using a specialized apparatus. Data is collected that can then be analyzed to determine the performance of the fenestration system in resisting water penetration. Similar tests are performed to assess air infiltration and thermal transfer.
Why is Fenestration Testing Important for Adjusters and Defense Attorneys in the Claims Process?
Fenestration testing provides scientific evidence that can be used to establish the magnitude and extent of damage. This evidence can be presented in court and can help to establish causation. Adjusters and defense attorneys can use fenestration testing to support their claims decisions during a claim investigation. The testing can also be used to refute claims made by public insurance adjusters and plaintiff firms who may argue that damage to the fenestration system is significant enough to require replacement instead of a simple reglazing repair. The results of fenestration testing can provide a strong basis for the claims decision making process of both adjusters and defense attorneys.
Conclusion
Fenestration testing is an essential aspect of the claims process when dealing with damage related to windows, doors and skylights. This testing provides scientific evidence that can be used to establish causation and extent of damage. Adjusters and defense attorneys should educate themselves on the fundamental principles of fenestration testing and seek out qualified professionals when engaging in the claims process. By properly utilizing fenestration testing, adjusters and defense attorneys can help their clients refute non-claim related damage.
Bill Simmons, AIC, CPI, CASA is an industry recognized expert in all things insurance claim related. Bill has worked in every aspect of insurance claims from automobile liability and subrogation to property claim expert. Bill has served as an expert witness on countless occasion in the insurance claim legal process. Bill lives in Panama City, FL with his wife, Amanda and their two sons, Layton and Lucas.
