title = "Damage Assessment Protocols"

content = """
Damage assessment represents the objective evaluation of loss extent and value, providing the factual foundation for settlement calculations. This process requires technical expertise, industry knowledge, and adherence to standardized assessment methodologies.

**Initial Evaluation:** Conduct preliminary damage assessment using photographs, claimant descriptions, and available documentation to determine the scope and nature of losses. Identify whether professional assessment services are required based on damage complexity and value.

**Professional Engagement:** Select qualified assessors appropriate to the damage type: certified public adjusters for complex property claims, independent medical examiners for injury claims, or specialized experts for unique loss scenarios. Verify assessor credentials and independence.

**Assessment Standards:** Ensure assessments follow industry-standard protocols such as those established by the International Association of Assessing Officers or state-specific requirements. Require detailed documentation of assessment methodology and supporting data.

**Scope Documentation:** Document all damaged items or areas with detailed descriptions, measurements, and condition assessments. Include before-and-after comparisons when possible to establish the full extent of loss.

**Value Determination:** Calculate replacement cost value (RCV) for total losses and actual cash value (ACV) for repairable damages. Account for depreciation, betterment, and market conditions affecting value determinations.

**Quality Review:** Perform internal quality review of assessment reports to ensure completeness, accuracy, and compliance with company standards. Reassess when reports appear inadequate or when new information emerges during claims processing.
"""

version = "0.0.1"
