Overhead & Profit (10% + 10%)
(a) You self-perform. (b) Gutters are the same trade as roofing. (c) This is a roofing-only project and no general contractor is supervising it.
| Rests on | industry practice |
|---|---|
| Measured in | % |
How to answer it
Answer with the coordination the job actually needs, not with a count of trades. Set out the separate scopes of work in this job, who schedules each one, who sequences them against each other, and who carries the result. The trade-group check is a drafting check and not the test: putting every line in one trade group produces the rejection by itself, so give each trade its own group. WARNING — the written test in the carrier guideline on file is whether the complexity of the job would reasonably require general contractor coordination, and that same guideline excludes a roofing-only project when no general contractor supervises it (Citizens Property Insurance, 2023 Best Claims Practices and Estimating Guidelines, p. 26). No three-trade threshold appears anywhere in that document. Do not argue a trade count as though it were the carrier's own rule; state the coordination facts and let them stand.
What you need in the file
- list of separate scopes of work in this job
- who schedules and sequences each trade
- subcontractor bids itemized for material and labor
Writing this into a supplement?
ScopeQueue reads the carrier estimate and your roof photos and writes the items the estimate left off, each with the reason behind it and the measurement it rests on. Your first file is free.