Industry Standards Library

**Key provisions:** Pre-renovation asbestos inspection required for buildings constructed before 1981. Friable ACM disturbance triggers licensed abatement contractor, area decontamination chamber, negative air, OSHA Class I work practices. **How to cite in a carrier dispute:** Carriers often try to demolish without abatement on older homes. Cite NESHAP requirements — abatement is a lawful prerequisite, not an upcharge.

**Key provisions:** Carpet replacement vs. cleaning decision tree. Delamination, pile crush, wear patterns. When pad replacement is required vs. extraction-only. **How to cite in a carrier dispute:** Use when carrier insists carpet is cleanable but visual / tactile evidence triggers ANSI S210 replacement criteria.

**Key provisions:** Defines water damage categories (1, 2, 3) and classes (1–4) by source and saturation level. Specifies drying chamber setup, daily psychrometric monitoring, anti-microbial application, and content manipulation. Section 12 covers structural drying methodology. Section 13 covers content restoration vs. replacement triage. **How to cite in a carrier dispute:** Use when carrier disputes Category 2/3 designation, attempts to deny anti-microbial, or refuses content manipulation charges. Cite specific class to justify equipment count (dehus, air movers) and drying time.

**Key provisions:** Defines Condition 1, 2, 3 environments. Specifies containment construction (negative pressure, HEPA filtration), PPE requirements, post-remediation verification (PRV). Requires Independent Environmental Professional (IEP) for Condition 3 projects > 100 sq ft. **How to cite in a carrier dispute:** Use when carrier denies containment, PPE, HEPA negative air, or post-remediation testing. Condition 3 triggers professional remediation — not a DIY scrub.

**Key provisions:** OSHA bloodborne pathogen compliance. Biohazard waste disposal chain of custody. PPE Level B/C requirements. ATP testing for verification. **How to cite in a carrier dispute:** Cite when carrier balks at biohazard transport fees or licensed disposal costs.

**Key provisions:** Defines smoke residue types (dry, wet, protein, oil/fuel) and cleaning methodology per type. Specifies HVAC system cleaning required when smoke is present in supply ducts. Addresses ozone vs. hydroxyl treatment. Content pack-out, off-site cleaning, and atmospheric deodorization protocols. **How to cite in a carrier dispute:** Use when carrier denies HVAC duct cleaning, pack-out, or treatment beyond surface wipe-down. Smoke residue type determines required method — wrong method = continued contamination + warranty exposure.

**Key provisions:** NADCA-aligned HVAC cleaning protocols. Differential pressure testing. Source removal vs. encapsulation decision criteria. When duct replacement is justified vs. cleaning sufficient. **How to cite in a carrier dispute:** Use after fire, smoke, or Category 3 water events. Carriers often try to avoid HVAC cleaning citing 'no visible contamination' — S800 mandates inspection regardless.

**Key provisions:** Pre-1978 dwellings: presumed lead-paint. Disturbance > 6 sq ft interior / 20 sq ft exterior triggers OSHA Lead in Construction. Requires worker certification (EPA RRP), containment, lead-safe work practices, and 3rd-party clearance testing. **How to cite in a carrier dispute:** Use when working on pre-1978 homes — OSHA-required containment, dust barriers, HEPA cleanup, and clearance testing are reimbursable. Carriers often try to omit these as 'extra costs.'

**Key provisions:** RIA position: line-of-sight matching requires reasonably uniform appearance for materials in continuous architectural plane. Partial replacement on a continuous wall, floor, or roof slope creates visible inconsistency that fails the policy's 'restore to pre-loss condition' obligation. Applies to siding, roofing, flooring, cabinetry, and countertops. **How to cite in a carrier dispute:** Use when carrier refuses full slope/wall/floor replacement, offering 'matching the existing damaged section only.' RIA position supports continuous architectural plane standard.

**Key provisions:** GC O&P is appropriate compensation when the project involves coordination of 3+ trades, requires project management, supervision, sequencing, or permitting. Standard rate is 10% Overhead + 10% Profit on direct costs. RIA aligns with Mills v. Foremost insurance ruling and industry textbook practice. **How to cite in a carrier dispute:** Cite when carrier strips O&P from estimate citing 'no GC involved' — if 3+ trades touched the project, O&P is owed regardless of whether a formal GC was engaged.