Guidelines are what insurance companies use to clearly define what can and cannot be considered damage to a property. This makes sense because without some boundary all items would be considered damaged and would be a loss for the insurance industry every time. Some of these guidelines are with in reason and some are not. As an insured you may not know where the guidelines fall. Many of the guidelines are subjective in nature and are neither reasonable nor realistic. Having someone on your team that has experience and a basic knowledge of where guidelines fall is a real advantage to you the insured.
