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© Xactware Solutions, Inc., 2008-2009. ISO, the ISO logo, and LOCATION are registered trademarks and 360Value, FireLine, and PPC are trademarks of ISO Properties, Inc. Xactware, XactAnalysis, Xactimate, and XactValue are registered trademarks of Xactware Solutions, Inc. PushPin is a trademark of AIR Worldwide Corporation. All other product or corporate names are trademarks or registered trademarks of their respective companies. Getting Started Guide January 2011

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© Xactware Solutions, Inc., 2008-2009. ISO, the ISO logo, and LOCATION are registered trademarks and 360Value, FireLine, and PPC are trademarks of ISO Properties, Inc. Xactware, XactAnalysis, Xactimate, and XactValue are registered trademarks of Xactware Solutions, Inc. PushPin is a trademark of AIR Worldwide Corporation. All other product or corporate names are trademarks or registered trademarks of their respective companies.

Getting Started Guide

January 2011

© Xactware Solutions, Inc., 2008-2010. ISO, the ISO logo, 360Value, and LOCATION are registered trademarks and FireLine and PPC are trademarks of ISO Properties, Inc. Xactware, XactAnalysis, Xactimate, and XactValue are registered trademarks of Xactware Solutions, Inc. PushPin is a trademark of AIR Worldwide Corporation. All other product or corporate names are trademarks or registered trademarks of their respective companies.

Contents

Introduction 3 An Introduction to Xactware 3 Mission Statement 3

Using 360Value 4 Logging In 4 User Info/Set Preferences 6 Real Time Training/Helps 7 Search for a Valuation 9 Re-Assign Valuations 10 Printable Forms 10

Residential Valuations 11 Address Information 11 Address Standardization 11

Home Information 12 System Supplied Defaults 12 PushPin™ Supplied Information 12 Original Defaults 12

1 to 4 Family Valuations 13 Primary Information 13 Exterior 20 Interior 21 Room Information 22 Additional Features 23 Attached Structures 23 Detached Structures 23 Underwriting Information 24 CAT Risk 24 Additional Information 24 Calculate 25

Condo - Interior Unit Valuations 27 Primary Information 27 Exterior 27 Interior 28 Remaining Sections 28 Calculate Condo - Interior Unit 28

Home Quality Definitions Table 29

Condo - Upgrades Only Valuation 32 Primary Information 32 Interior Finish Upgrades 32 Kitchen Upgrades 33 Bathroom Upgrades 33 Additional Interior Upgrades 34 Home Systems Upgrades 34 Exterior Feature Upgrades 35 Additional Features 35 Calculate Condo - Upgrades Only 35

Manufactured/Mobile Valuation 36 Primary Information 36 Detailed Information 39 Calculate Manufactured Home Valuation 42 Manufactured/Mobile Units of Measurement 43

Commercial Valuations 47 Commercial Address Page 47 Commercial Use Page 48 Commercial Structure Page 50 Commercial Structural Options Page 51 Commercial Features Page 52 Calculate Commercial Valuation 52

Agricultural Valuations 53 Agricultural Address Page 53 Agricultural Use Page 54 Agricultural Structure Page 55 Agricultural Structural Options Page 55 Agricultural Features Page 56 Calculate Agricultural Valuation 56

© 2008 - 2010 Xactware Solutions, Inc. All rights reserved Page 3 of 56

Introduction

360Value is the next-generation property-valuation solution for insurers that provides true component-based replacement-cost estimates and a number of associated underwriting solutions for residential, commercial, and agricultural properties.

An Introduction to Xactware

Xactware is the leading provider of software tools, data, and services to the insurance repair industry including adjusting, construction, and loss mitigation services.

Xactware specializes in serving the needs of a broad customer base— from the largest insurance carriers and cleaning contractors to small insurance and construction companies as well as independent adjusters. Our products and services include property-loss estimation, insurance-to-value calculations, accounting, contract management, replacement cost, and multimedia training systems as well as regional pricing databases and nationwide training seminars.

Xactware was the first to integrate field-estimating software with a sophisticated extranet service called XactNet. The combination of XactNet and Xactimate means 100% of estimates are analyzed for common scoping errors. XactAnalysis, XactNet's online management reporting tool, provides reports that are tailor-made for executive analysis using full-spectrum graphical reports that instantly display trends and issues. XactAnalysis can generate a report that shows purchasing and pricing for the entire company, or you can drill-down to create reports at a regional, office, estimate, and even line-item level. Because the XactNet and XactAnalysis infrastructure is state-of-the-art and 100% redundant, its up-time since January 1996 exceeds 99%. That's proven dependability!

Located on a ten-acre campus in Orem, Utah, Xactware sits at the foothills of the Rocky Mountains on a bench overlooking the entrance to Provo Canyon. This spectacular backdrop helps to enhance a unique creative environment. Xactware has over 200 dedicated employees.

Mission Statement

"To foster lifetime partnerships with employees, business partners and customers by balancing creativity with structure, responsibility with ability, and expectation with information."

Xactware's success is built on its strong commitment to its mission statement. We have the experience, expertise and enthusiasm necessary to provide our customers with the highest quality products and services available in the marketplace. For additional information on Xactware and its products, we invite you to visit our family of websites at Xactware.com, XactNet.com, iSkills.com, and 360Value.com.

© 2008 - 2010 Xactware Solutions, Inc. All rights reserved Page 4 of 56

Using 360Value

360Value is the industry's fastest growing web-based valuation program for residential,

commercial, and agricultural structures. 360Value allows the user to complete a valuation in less than five minutes. It uses the same trusted pricing structure as Xactware’s own Xactimate, the #1 estimating tool in the industry. This pricing structure is based on ZIP/Postal Codes and local-based socio-economic factors, and uses the same regional pricing used to settle claims for over 15 years.

Logging In

To log in to 360Value,

1. Type www.360-Value.com into the Address field of your web browser and press Enter.

The 360Value login page appears.

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Enter your User ID and Password in the appropriate fields.

If you need a User ID and Password, please contact your supervisor, internal help desk, or 360Value sales representative.

2. Click .

Use the Navigation bar along the top of the Main page to quickly create new valuations or to navigate to other commonly used pages in 360Value, such as Search and Help. The options may vary based on your company's profile.

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User Info/Set Preferences

You can view your account information and personal settings to check for accuracy. To view your account information,

1. Click Set Preferences on the main page or User Info on the Navigation bar. The User Info page appears.

2. Review the User Information section to confirm your user ID, first name, and last name are spelled correctly.

If you want to change your password,

a. Click Change Password.

b. Enter your current password.

c. Enter your new password twice.

d. Click Submit.

3. Review the Address Information section to confirm your address is correct.

4. In the Optional Settings section, check the Show help tips when I login checkbox to view tips for using 360Value each time you log in.

5. Check the Show Quality questions when Creating valuations option to display quality grade related questions for Residential valuations.

6. Check the Do not display the Multi-family Home alert checkbox to turn off the multiplex alert pop-up window.

This window reminds users that valuation questions pertain to an entire structure and not just one unit of a multi-family dwelling.

7. Check the Display Help Topics checkbox to display help topics in Real Time Training within the primary window instead of a separate pop-up window.

8. Click . The "User Information Updated Successfully" message appears.

9. Click OK to continue.

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Real Time Training/Helps

You can view Real Time Training help topics for 360Value in a number of different ways.

Click the Help menu and select Real Time Training.

Click a question hyperlink to view context-sensitive help.

Press the F1 key.

Real Time Training appears.

If the 360Value Help Center pop-up window appears, see User Info/Set Preferences on page 5 for instructions on displaying Real Time Training within the primary window. Real Time Training only displays in a pop-up window if the screen/window display is not large enough to support it.

Topic Tab

As you navigate 360Value, the Topic tab displays the help topic that corresponds with the current page. This tab also displays any topic selected in the Index or Search tabs.

Index

To access an alphabetical listing of help topic key words, click the Index tab. Any selected topic displays in the Topic tab. Click the applicable shortcut link at the top to jump to an alphabetical section.

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Search Real Time Training

Type one or more words (separated by spaces) and click Search. Select the topic you want to view from the list of search results. You can also click Show Tree to view topics in the Table of Contents. Any selected topic displays in the Topic tab.

Click the [+] button to expand the view; click [-] button to collapse the view.

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Search for a Valuation

The Search Valuations page filters which valuations you see on the Search Results page. You can search by Name, Valuation ID, or Policy #. For more search options, click Advanced Search.

1. Enter the search criteria for the valuation(s) you want to view or edit.

2. Check the box of each optional field you want to display on the Search Results page.

3. Click .

The valuations for your specific criteria display on the Search Results page.

Click a valuation to display the Results page or to continue with an incomplete valuation.

Click Delete to delete a valuation. You may only delete valuations if you have administrative rights to do so.

If this page contains the Modify Search and Show All buttons, not all valuations are currently displayed.

Click the Modify Search button to change the search criteria.

Click the Show All button to clear the search criteria and see a comprehensive list of valuations.

You can re-assign multiple valuations at once from this page.

You can click on any column heading to sort your valuations by that column. Click on the same column heading again to reverse the sort order.

To view all your valuations, leave the search fields blank and click Search.

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Re-Assign Valuations

You may only re-assign valuations if you have administrative rights to do so. To Re-assign multiple valuations, from the Search Results page, follow these steps:

1. Check the box to the right of each valuation you want to re-assign.

2. Click the Find User link at the bottom of the page and search for the user you want to assign as the owner of the valuations.

3. Click .

Printable Forms

Printable Valuations and Tick Sheets allow you to collect the details of a valuation when 360Value is not available on-site. These valuations reflect the fill-in-the-blank format of the Valuation, and the question-and-answer format of the Valuation. You can print out these valuations and carry them with you to record valuation data at any time.

To access Residential Printable Valuations,

1. Click the Printable Valuations link on 360Value's Main page. The Printable Worksheets window opens.

2. Click the link of the Valuation or Valuation form you want to print. The Residential forms are PDF format and the Commercial and Agricultural forms are HTML format.

A new window opens and displays the form you selected.

If you do not have a PDF reader installed, you can click on the Printable Valuations window to download one.

3. Click the Print icon to print the form.

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Residential Valuations

Residential questions display in a specific order which enables 360Value to fill in many of the answers for you. For example, once you complete the Primary Information section, 360Value loads default answers in the Exterior, Interior, and Room Information sections. You can then review the answers and make any necessary changes instead of entering the data manually.

To start a new residential valuation, click New Valuation in the Navigation bar and select Residential.

Address Information

The Address Information page appears and displays the Type of Home options as well as the Address fields for the valuation. You can select from 1 to 4 Family, Condo - Interior Unit, Condo - Upgrades Only, or Manufactured/Mobile home types. The Type of Home selected determines which questions display on the Home Information page.

Enter the name and address information of the property. The ZIP/Postal code determines the correct pricing jurisdiction for the valuation. Fields marked with an * are required. To account for variations across ZIP/Postal Codes, 360Value replacement-cost estimates are localized to a five-digit ZIP Code level for the US and three digit Postal Code level for Canada.

Address Standardization

When a United States or Canadian address is entered, the application checks for a matching or similar address in the database. If a match is found, you can select the address you prefer by clicking the appropriate hyperlink.

Address Standardization is a company profile setting. If it does not display in 360Value, you can request it by contacting your purchasing department or 360Value representative.

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Home Information

The Home Information page is separated into sections to help you quickly define the home's characteristics. The Primary Information section includes questions that make the largest impact on the home's replacement cost value. You can click the plus button to expand a section or click the minus button to collapse a section. You can also click the links to 'Expand All' or 'Collapse All' sections at the bottom of the page.

System Supplied Defaults

System supplied default answers are provided for several valuation questions. Some default answers are provided at the beginning of a valuation while others are provided after some key questions are answered. An alert message appears when defaults are being retrieved.

It is important that you review all default answers carefully for a highly accurate valuation. Click the icon to confirm any default values that correctly describe things you know about the home; and make sure to change any incorrect values.

360Value will not change values you manually override. When an answer is explicitly set, the background color of the field is changed to distinguish it from default answers. Explicit answers are also distinguished on valuation reports and the Results page with a bold font.

PushPin™ Supplied Information

Available property information from ISO's PushPin™ database displays on the Home Information page when licensed and data is available. The PushPin database contains specific and detailed information on key building features for more than 70 million residential properties in the United States. The database represents more than 75 percent of homes with four or fewer units. ISO compiles this data from aggregated public assessor data. Coverage is dependent on the availability of data from individual jurisdictions or towns.

ISO’s PushPin™ database is updated bi-annually. To check when PushPin data was last requested for the valuation, click the Display addition PushPin fields link on the Home Information screen, or from the Need help with this value? link on the Results page. If the PushPin database has been updated since the last valuation calculation date, a Refresh button appears. Click Refresh to update the valuation PushPin data.

When updating PushPin data, 360Value does not change explicit values manually entered or confirmed. Instead, updated PushPin information is displayed in the Original Defaults column for your reference.

Review all PushPin answers carefully for a highly accurate valuation. Click the to confirm the PushPin supplied answers you know are correct.

PushPin supplied information must be licensed to display. If it does not display in 360Value, you can request it by contacting your purchasing department or 360Value representative.

Original Defaults

The entry field column displays the PushPin data or system supplied defaults based on previous questions answered. If a supplied answer is changed, the original answer displays in the Original Defaults column. Click the Original Default hyperlink to reset the default and move answers back to the entry column. PushPin answers are marked with a and 360Value defaults are marked with a .

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1 to 4 Family Valuations

To create a 1 to 4 Family valuation, click New Valuation and select Residential.

Primary Information

The Primary Information section includes questions that make the largest impact on the home's replacement cost value. Most of the general information on the property itself is entered in this section. Enter the year the home was built, any additions, total finished square feet, use, style, number of stories, as well as some of the home's key characteristics.

Year Built

If the Year Built entered is before 1971 the Use Functional Replacement Cost question appears. Check the box if you want to calculate functional replacement cost. 360Value's default is actual replacement cost. Click the 'Use Functional Replacement Cost' question link for more information.

Total Finished Square Feet

Enter the number of finished square feet in the entire structure. This includes finished attic and addition areas. To include finished basement areas in the square footage entered, check the 'Above sq. ft. includes finished basement area' checkbox. Exclude all garage areas and any attached or detached structures, such as decks, balconies, patios, porches, etc.

Click the Additions hyperlink if you want to add additions to the home.

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Quality Grade

Select the quality grade of the home to determine the defaults for the valuation as they pertain to features, finishes, and types of rooms.

Note: Since the quality grade of some rooms may differ from the overall home quality, you can specify a separate Room Quality Adjustment for each room by clicking More Detail next to the room question. Select from None, Upgraded, or Downgraded options.

You can also adjust the Quality Grade for all rooms located in the Basement. Select from

None, Upgraded, Downgraded, or Minimal Finish options.

If you are unfamiliar with the quality grade definitions, click the Quality Wizard link and answer the corresponding questions. The Quality Wizard is grouped into four categories of home characteristics: General Shape & Style, Exterior Finishes & Features, Interior Finishes & Features, and Cabinets & Countertops. Move the sliders to view descriptions and images of each Quality Grade by category. If no information is available about a specific category, move the slider to Unknown.

NOTE: The images displayed are limited examples and are not representative of every possible option. For more detailed information, refer to the text descriptions displayed on the right side in the gray area.

Once you have adjusted each of the sliders, click the Set Overall Quality To button to select the overall Quality Grade and return to the Home Information page.

If the home's features do not exactly match the displayed descriptions, you can move the slider between two different quality grades. For example, to indicate that the Cabinet & Counter-top features have a greater quality than Standard, but are not quite Above Average, move the slider to the far right side of the Standard column.

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Use

Click the drop-down list button to select how this home is used. This question sets defaults for the home. For example, a multi-family structure has more rooms, such as kitchens and bathrooms, than a single-family structure.

If the home is part of a multi-family structure, but you are only valuating one part of the structure, choose the Single Family Attached use type.

Style

Select the home's style from the drop-down list. 360Value has approximately 30 home styles to choose from, including Pueblo, Cape Cod, Queen Anne, Contemporary, Ranch and Craftsman to name a few.

Click the 'Style' question link for a complete list with descriptions and images.

If you are unsure of the home’s style, it’s appropriate to select ‘Unknown.’ Click the help link at the bottom of the window for more detailed information and examples of each home style.

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Number of Stories

Select the home's number of stories from the drop-down list. If the home is unique and does not match one of the available options, select the answer that best describes the largest part of the home.

Click the ‘Number of Stories’ question link for a complete list with descriptions and images.

Click the help link at the bottom of the window for more information and home examples.

A two story home of the same size and characteristics will be a lower cost to rebuild than a one story home, because of the smaller foot print and roof line.

Foundation Shape and Type

Select the number of corners or foundation shape from the drop-down list. Click the ‘Foundation Shape’ question link to select an image.

Additional help determining the foundation shape can be found by clicking the help link at the bottom of the window.

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Next, Select the home’s foundation type from the drop-down list or click the 'Foundation Type' question link to select an image.

Click the help link at the bottom of the window for more information and examples.

If you have two different foundation types, click the Add Row link to the right of the percentage field. All foundation percentages must total 100%. Enter the correct percentages of each type in the percentage fields provided.

Additional questions display if Basement is selected. Enter the percentage of the lowest level (basement/below grade) that is finished living space. Select a Basement Quality Adjust-ment if applicable; and if there is a walk-out basement, click the appropriate checkbox.

Roof Shape and Cover

Select the home's roof shape from the drop-down list or click the ‘Roof Shape’ question link to select an image.

If the home has two roof shapes, select the shape that is most prevalent. If the home has three or more roof types, or the roof has several hips and valleys, select Complex/Custom.

Next, select roof cover material from the drop-down list(s). Enter the correct percentages of each type in the percentage fields provided. All roof material percentages must total 100%.

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If you need more than one roof material, click the Add Row link to the right of the percentage field.

You can also click the ‘Roof Cover’ question link to view images of the different roof cover options. Check the box to select the appropriate roof cover(s) and then enter the corresponding percentage(s).

Exterior Wall Construction and Exterior Wall Finish

Select the home's exterior wall construction from the ‘Exterior Wall Construction’ drop-down list. If the home has multiple exterior wall construction materials, click the Add Row link to specify the additional materials from the drop-down lists and enter the percentages in the corresponding fields. All exterior wall construction percentages must total 100%.

Next, Select the home's exterior wall finish from the ‘Exterior Wall Finish’ drop-down list. If the home has multiple exterior wall finish materials, click the Add Row link to specify the additional materials from the drop-down lists and enter the corresponding percentages. All exterior wall finish percentages must total 100%.

You can also click the ‘Exterior Wall Finish’ question link to view images of the different exterior wall finish options. Check the box to select the appropriate finish(es) and then enter the corresponding percentage(s).

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Floor Coverings

Select the home's floor covering from the Floor Coverings drop-down list. Click the Add Row

link if you need more fields. If there are multiple flooring coverings in the home, select additional materials from the drop-down lists and specify the percentage in the corresponding percentage fields. All floor covering percentages must total 100%.

Kitchens and Bathrooms

Once defaults have loaded for the valuation, 360Value supplies a default number and size of the kitchen(s) and bathroom(s) in the home. These defaults are based on answers to previous questions (such as Total Finished Square Feet and Year Built).

Room features and finishes are also defaulted for these rooms, based on answers already provided.

Click the More Detail link if you have additional information to enter for each kitchen or bathroom. A pop-up window appears and displays questions for the name, size, appliances, counters, cabinet and room features of each room. Room features include ceiling features, cornice or crown molding, and chair rail. Click the Submit button when finished. The more detailed information you provide, the more appropriate the replacement cost calculation will be.

When the ‘Lock the answers in this room’ checkbox is checked, the system supplied default answers are marked explicit and will not be updated if new defaults are loaded while completing the valuation form.

Expand the Room Information section to enter details about all other rooms.

This is the window you see when you click the Bathrooms' More Detail hyperlink. The Kitchens and other room windows are similar.

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Garage/Carport

Select the number of cars for the garage/carport and select a style. Click the drop-down list button to select the amount of living space above the garage. Click the Add New link to enter additional attached garages or carports.

Property Slope

Select the property slope by clicking the drop-down list button. Most homes will have no slope, or just enough slope for a walk-out basement (moderate slope). Select Steep only for those homes that require special construction techniques for lot slope.

Site Access

Most labor and material costs related to site access are already included in the zip code pricing area. If site access for this specific property is uncommon or different in comparison to the pricing area or surrounding communities, select the appropriate option from the drop-down list. For example, a property in the Seattle area that is located on an island is different from most properties in the same area. See the glossary terms below for details on the components added for each option.

Additionally, if it is a sloped lot with a Moderate (16-30 degrees) or Steep (greater than 30 degrees) slope, select the appropriate option from the "Property Slope" drop-down list in the "Exterior" section.

This question may not display for all Zip/Postal code areas.

Exterior

Expand the Exterior section to enter information for the exterior of the home. This includes questions for foundation material, dormers, exterior doors, windows, trim and details.

Select the foundation material(s) from the drop-down list(s). Enter the correct percentages of each type in the percentage fields provided. All foundation material percentages must total 100%. If you need more than one foundation material selection, click the Add Row link to the right of the percentage field.

Next, enter the number of dormers in the roof. Select any exterior door, window, specialty window, or trim and details features from the appropriate drop-down lists. Click the Add

Row link if you need more fields. Enter the number of each in the corresponding amount field.

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Click the More Detail link if you have additional information to enter for each window. A pop-up window appears and displays questions for the material, style, size, and features of each window. Click the Submit button when finished.

Interior

Expand the Interior section to enter information for the interior features of the home. This includes questions for wall/ceiling finishes, systems, electrical features, fireplaces, lighting, staircases, millwork, and more. Click the Add Row link if you need more fields. Enter the percentage or number of each in the corresponding fields.

Click the More Detail link if you have additional information to enter for each fireplace. A pop-up window appears and displays questions for the Face Material, Mantel, Hearth Material and any Gas Log Sets. Click the Submit button when finished. The more detailed information you provide, the more appropriate the replacement cost calculation will be.

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Room Information

All other rooms in the estimate are entered in this section. Select the room size from the drop-down list. Enter the number of each size in the corresponding amount field.

Click the Multiple Room Features link to adjust the features found in multiple rooms in the estimate.

A pop-up window appears and displays room feature questions, such as ceiling features, cornice or crown moldings, and chair rails. Click the Submit button when finished. 360Value distributes the selected features into the appropriate rooms.

If necessary, you may manually change the distribution of these features by clicking the More Detail link (see below) of the corresponding room(s).

Click the More Detail link to adjust the room quality or if you have additional information or want to modify the information entered for each room. A pop-up window appears and displays questions for the size and features of each room, such as ceiling features, cornice or crown molding, and chair rail. Click the Submit button when finished.

If the structure has a basement or shallow basement foundation type, or if it is a bi-level home, you can specify which rooms are in the basement by clicking the "This room is in the basement" checkbox. This causes the room to receive default values associated with the basement, which may differ from those associated with above-grade levels.

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Additional Features

Additional features such as pools, spas, and user-defined features are entered in this section. If there are any features you need to include that are not listed anywhere else in the estimate, enter the description in the User Defined Feature field. Additional questions display for the number and the cost per item. The total amount is calculated for you. Click the Add New link to enter additional user defined features.

Attached Structures

Next, enter information in the Attached Structures section for decks, balconies, porches, patios, and other attached structures. Select the material or structure type from the appropriate drop-down list. Additional questions appear when an answer is selected. Enter the square footage in the Sq. Ft. field, enter the covered and enclosed percentage, select the shape, and then enter the height, levels, and benches length in the corresponding fields. Check the Heated box if the greenhouse or sunroom entered is heated. Click the Add New link if you need more fields.

Detached Structures

Expand the Detached Structures section to enter information on structures detached from the home, such as fencing, driveways and sidewalks, gazebos, tennis/basketball courts, detached garages, and more. You can also enter User Defined Features for Detached Structures in the same section. Select the detached structure type from the drop-down list. Additional questions appear when an answer is selected. Click the Add New link if you need more fields. The Detached Structures replacement cost estimate is calculated separately from the dwelling replacement cost estimate.

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Underwriting Information

Answer the questions in the Underwriting Information section to store additional policy or agent information. This is for your information only and not required to complete a valuation. Fields include policy, agent, approval, and reference number information to name a few.

CAT Risk

The fields in the CAT Risk Features section are specific to catastrophe loss analysis and display when CAT Risk service is licensed. Once the replacement cost has been calculated, click the CAT Risk option in the sidebar on the Results page to display the perils and annual average loss.

Additional Information

The Additional Information fields are provided for your own internal use and are completely optional. They do not affect the replacement cost value of the valuation. Fields include address, phone, dates and notes information.

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Calculate

When you are finished entering all valuation information, click Calculate.

If information is missing from a required question, clicking Calculate displays an error page with a description and link for each question that requires more information.

The questions listed on the error page display in red. Enter the correct information for all errors, then click Calculate at the bottom of the page.

If all required questions are complete, the Results page appears.

From the Results page, you can do the following:

Click Valuation Reports to display a menu of report options. You can view, print, e-mail, or download a PDF (Portable Document Format) valuation report file.

Click Attachments to open the Attachments pop-up window which allows you to view and manage digital files associated with the current valuation.

Click Risk Reports to display available risk reports. This option displays if the service has been licensed and is available. The available reports include PPC, A-Plus, Crime, Brush Fire, FireLine, Premium Tax, Flood, Wind, BCEGS, CADOIEQ, Hazard, Credit, and Inspection. Click the desired report in the Risk Reports menu. The report pop-up window appears, displays the report details, and a link to print the report.

Click the error's hyperlink to return to the question where the missing information is located.

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Click Calculate ACV to calculate actual cash value (ACV). The Calculate ACV pop-up window allows you to calculate an actual cash value for a valuation by depreciating the replacement cost value. Depreciation is based on the answers entered in this window. The Actual Cash Value displays on the Results page and on reports.

Click CAT Risk to display the perils and annual average loss. This option displays when the CAT Risk service is licensed. Check boxes for the appropriate perils or select Gross to enter the dwelling limit and deductible information. Click Submit to display the Catastrophe Risk Analysis on the Results page.

Click Collaborate to send an email to the property owner with a link to their valuation. They can then review, accept, or reject the valuation.

Click History to view and select other valuation versions (unavailable when multiple valuation versions do not exist).

Click Edit to make changes to this valuation (unavailable when viewing previous valuation versions or read-only valuations).

Click Finish to return to the Main Page.

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Condo - Interior Unit Valuations

The Condo - Interior Unit option creates a new valuation for condos with "Bare Walls" policy coverage. This policy type covers all real property from the exterior framing inward. Since this coverage may vary, 360Value includes many specific questions to accommodate a variety of coverage types.

The Condo - Interior Unit valuation is similar to the 1 to 4 Family valuation. This chapter of the Getting Started Guide explains the sections of the Condo - Interior Unit valuation that differ from the 1 to 4 Family valuation. For more information on the other sections, see Residential Valuations on page 11.

To create a Condo Interior Unit valuation, click New Valuation, select Residential and then click the Condo - Interior Unit radio button.

Primary Information

The Primary Information section includes some of the same fields as the 1 to 4 Family valuation, but does not require style, use, foundation, or roof questions since they do not apply to condo units. The Quality Grade question is required in the Condo Interior Unit valuation.

There are four additional checkbox questions. Check the appropriate boxes to include appliances, cabinets/countertops, plumbing fixtures, and other attached structures in the condo unit value.

Exterior

Check each box to include exterior doors and/or windows in the condo unit value.

Check the appropriate boxes to include appliances, cabinets/countertops, and plumbing fixtures.

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Interior

The Interior section includes questions regarding average wall height, wall material, floor material, wall and ceiling finishes, and other interior features. Check the appropriate boxes to include wall material, in-wall plumbing, heating/cooling, electrical, light fixtures, interior doors and millwork in the condo unit value.

Remaining Sections

The Room Information, Additional Features, Attached Structures, Underwriting Information, CAT Risk, and Additional Information sections include the same questions as the 1 to 4 Family valuation sections.

Calculate Condo - Interior Unit

Click Calculate to see the results of the valuation. If information is missing from a required question, clicking Calculate displays an error page with a description and link for each question that requires more information. If all required questions are complete, the Results page appears.

Uncheck each box to hide the related questions.

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Home Quality Definitions Table

Refer to the definitions below to determine the quality grade of Residential home and Condo Interior Unit valuations.

The "Custom" quality grade in 360Value is between the "Above Average" and "Premium" quality grades. Custom homes are distinguished by style and shape more than by finishes, and may contain Above Average or Premium quality finishes.

Custom homes by definition are custom designed for the homeowner by a professional architect. These homes can be recognized by the unique style and/or shape that vary from the other homes in the area. They are typically quite large (square footage of living area in excess of 3500 feet). The following guidelines can help you decide which quality grade to select if the home has both Above Average and Premium quality finishes:

If the home has Above Average quality finishes as described in the table below, but the overall floor plan and style are typical to the area and not custom in nature, select the "Above Average" quality grade.

If the home has Above Average quality features as described in the table below, but the home style and floor plan are more custom in nature, select the "Custom" quality grade.

If the home has Premium grade features as described in the table below, select the "Premium" quality grade, since this also accounts for the unique style and shapes found in custom homes.

Foundation

Item Economy Standard Above Average Premium

Foundation Shape

4-7 Corners (Square/Rectangle or L Shape)

4-7 Corners (Square/Rectangle or L Shape)

6-12 Corners (L, T, U, Z, H Shape or Custom)

13+ Corners (Irregular or Complex)

Offsets

None. One or two offsets and/or cantilevers.

Several offsets or cantilevers.

Multiple offsets and angled sections with cantilevered areas such as bay or bow windows.

Roof

Item Economy Standard Above Average Premium

Type

Typically basic gable or hip.

Typically gable or hip with one or two overbuilds.

Typically gable or hip, with several overbuilds and/or dormers.

Typically gable, hip, or combination. Multiple overbuilds to accommodate shape of the home, with several dormers.

Style

Manufactured roof trusses or conventional stick frame.

Manufactured roof trusses or conventional stick frame.

Manufactured roof trusses or conventional stick frame.

Conventional stick framing (due to the complexity of shape).

Slope Less than 6/12. Less than 6/12. 6/12 to 8/12. Often 8/12 or higher.

Material

Asphalt composition or asphalt shingle.

Asphalt composition to lower-end architectural composition or asphalt shingle.

High-end architectural composition shingle to metal and/or concrete tile.

Highest quality roof covering. Metal, slate, or clay tile not uncommon.

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Exterior Walls

Item Economy Standard Above Average Premium

Siding

Vinyl, Aluminum or Masonite.

Medium-grade Vinyl, Aluminum, Masonite or Natural Wood (based on climate).

Depends on style of home (cape cod vs. colonial vs. contemporary): High-grade Vinyl, Aluminum, Masonite or Natural Wood.

Depends on style of home (cape cod vs. colonial vs. contemporary): Highest quality Vinyl, Aluminum, Masonite, or Natural Wood.

Masonry / Veneer

Small amount of brick (like wainscot).

Often masonry on a portion of home.

Possible masonry or stucco finish on entire home.

Often masonry or stucco finish on entire home.

Decoration

None usually. None usually. Columns, Pediments, or Ornate Handrail on porch.

Quoins, Keystones, Columns, Pediments, or Ornate Handrails on porch.

Interior Walls

Item Economy Standard Above Average Premium

Material Plaster on wood lath or gypsum drywall.

Plaster on wood lath or gypsum drywall.

Plaster on wood lath or gypsum drywall.

Plaster on wood lath or gypsum drywall.

Coverings

Paint, inexpensive wallpaper or sheet paneling.

Paint with wallpaper in the bathroom/kitchen. Possible higher-grade sheet or natural-wood paneling.

Paint with high-end wallpaper in bathrooms/kitchen. Wallpaper borders and natural wood paneling in some rooms.

Paint with high-end wallpaper in bathrooms/kitchens. Wallpaper borders as accents. Natural hardwood "judges" type paneling in some rooms.

Molding

Minimal moldings. Painted or stained, chair railing or crown molding in one or two rooms.

Painted or stained (which can be slightly oversized), chair railing or crown molding in several rooms.

Usually oversized, painted or stained with highest-quality multi-coat. Multi-piece chair rail, crown molding, and baseboards common.

Extras

None / minimal None/minimal Some built-in bookcases, wet-bars, etc. in rooms other than kitchens and bathrooms.

Columns, built-in book-cases, wet-bars, or other cabinetry in rooms other than kitchens and bath-rooms. Curved or ornate staircases. Door/window casings are fluted or reeded with use of rosettes and plinth blocking.

Doors

Hollow-core legacy-style Masonite or lauan.

Hollow core colonist style Masonite.

Hollow-core colonist style Masonite to stained birch door.

Typically solid 6 or 8 panel.

Ceilings

Standard 8' ceilings. Vaulted ceilings in some areas.

Vaulted or tray ceilings with possibility of exposed structural or decorative wood beams.

Vaulted or tray ceilings as well as 9-12' ceilings throughout with possibility of exposed structural or decorative wood beams (depending on style).

Flooring

Item Economy Standard Above Average Premium

Floors

Low end "economy" or "builders grade" carpet and sheet vinyl.

Varied (based on decor), limited to medium-grade carpet and sheet vinyl with ceramic tile, hardwood, or laminate flooring in limited areas.

Varied (based on decor) usually a mixture of high-quality carpet and sheet vinyl with some ceramic tile, hardwood, and/or laminate style flooring.

Varied (based on decor) but will usually be a mixture of very high end carpet (i.e., wool), ceramic tile, imported marble or slate, and select hardwood.

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Cabinets/Fixtures

Item Economy Standard Above Average Premium

Cabinets

Solid pine or other soft wood to pre-fab modular box style from particle board with "photo finish" veneer.

Solid pine or other soft wood to pre-fab modular box style from particle board boxes with hardwood frames and door fronts.

Solid pine or other soft wood to pre-fab modular box style from particle board boxes with hardwood frames and door fronts.

Solid hardwood to pre-fab modular box style made from solid hardwood and hardwood veneers.

Cabinet Door Fronts

Standard. Could have flat recessed panel style.

Often raised panel door and could be cathedral style or have glass panes.

Raised panel doors, could be cathedral style or have leaded or beveled glass.

Countertops

Flat-laid or post-formed laminate style.

Flat-laid or post-formed laminate style, possible hardwood edging installed.

High grade, flat-laid or post-formed laminate style top with hardwood edging installed. Solid surface material or ceramic tile common.

Highest quality solid-surface material with decorative edging, or solid natural marble or granite.

Bathroom Vanities

N/A N/A Bathroom vanity tops cultured marble with integrated sink bowl.

Bathroom vanity tops can be cultured or natural marble with an integrated sink bowl.

Bathtubs

Bathtubs are cast iron with ceramic tile surround or one-piece fiberglass tub and surround.

Bathtubs are cast iron with ceramic tile surround or one-piece fiberglass tub and surround.

Often cast iron with ceramic tile or cultured marble surround, possibly a jetted tub and/or separate shower unit. Often have glass doors installed.

Usually cast iron with a cultured or natural marble tile surround. Jetted and/or oversized "garden" type tubs, as well as large walk-in shower areas surrounded by cultured or natural marble common. All bathtubs and showers have high quality glass door installed.

Faucets

Faucets are inexpensive chrome-plated style.

Faucets are medium grade chrome plated or polished brass style.

Faucets typically a higher-end chrome-plated or polished-brass style with decorative handles.

Faucets are highest quality chrome, polished brass, or even gold plated and commonly have decorative handles.

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For example, if 20% of the floor covering was up-graded from carpet to hardwood flooring, select Carpet in the Original Item column, enter 20% in the % of Home Covered column, and then select Hardwood in the Re-placement Item column.

Condo - Upgrades Only Valuation

The Condo - Upgrades Only Valuation creates a new valuation for condo policy types that cover only upgrades to the condo. The condominium association insures the unit "as built" or "as purchased" and the unit owner is responsible for insuring any upgrades. Since this coverage may vary, 360Value includes many specific questions to accommodate a variety of coverage types.

The Valuation format contains all required questions on one page divided into sections. This valuation design enables you to quickly define only upgraded items or features in the unit. Click to expand a section and enter upgrade information. Click to collapse a section.

The Primary Information section of the Condo - Upgrades Only Valuation are similar to the Condo Interior Unit Valuation. This chapter of the Getting Started Guide explains the sections of the Condo - Upgrades Only Valuation that differ from the Condo - Interior Unit Valuation. For more information on the other sections, see Condo - Interior Unit Valuations on page 27.

To create a Condo - Upgrades Only Valuation, click New Valuation, select Residential and then click the Condo - Upgrades Only radio button.

Primary Information

The Primary Information section includes the Year Built, Total Finished Square Feet, and Number of Stories questions.

Interior Finish Upgrades

Expand the Interior Finish Upgrades section and enter upgrade information. You can enter Average Wall Height, Floor Covering, Wall Finish, and Ceiling Finish upgrades.

Click the drop-down list in the Original Item column to select the original item that was originally furnished with the condo. Then enter the % of the Home Covered by the upgraded item, in the % of Home Covered field. Click the drop-down list in the Replacement Item column to select the upgraded item. Click the Add Row link if you need more fields.

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Kitchen Upgrades

Expand the Kitchen Upgrades section to enter upgrades for multiple kitchens, appliances, cabinets, and countertops.

Click the Kitchen Size drop-down list and select the correct size for the kitchen. The Kitchen Size in 360Value determines the linear feet of cabinetry and countertops.

Click the drop-down list in the Original Item column to select the original item. Click the drop-down list in the Replacement Item column to select the upgraded item. Click the Add

Row link if you need more fields.

Click the drop-down list for any new cabinet features added and type any notes regarding the upgrades in the Notes text box.

Bathroom Upgrades

Expand the Bathroom Upgrades section to enter upgrades for sinks, bathtubs, showers, commodes, fixtures, cabinets, etc.

Click the drop-down list in the Original Item column to select the original item that was originally furnished with the condo. Then enter the number of items upgraded in the Quantity Replaced field. When entering upgrade information for Vanity Top(s) or Cabinets, enter the total linear feet of the upgraded Vanity Top(s) or Cabinets in the Quantity Replaced field. Click the drop-down list in the Replacement Item column to select the upgraded item. Click the Add Row link if you need more fields.

For example, if the countertops were upgraded from laminate to tile, select the laminate quality and type in the Original Item column, and then select the tile quality and type in the Replacement Item column.

For example, if the vanity tops were upgraded from laminate to tile, select the laminate quality and type in the Original Item column, enter the total lineal feet in the Quantity field, and then select tile quality and type in the Replacement Item column.

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You can also click the drop-down list for any New Vanity Features Added. Click the drop-down list for Other Features Added and enter the quantity in the Quantity Replaced field. Type any notes regarding the upgrades in the Notes text box.

Additional Interior Upgrades

Expand the Additional Interior Upgrades section to enter upgrades for lighting, interior doors, window trim, moldings, staircases, and other built-ins.

Click the drop-down list in the Original Item column to select the original item the was originally furnished with the condo. Then enter the number of items replaced or number of rooms upgraded. Click the drop-down list in the Replacement Item column to select the upgraded item. Click the Add Row link if you need more fields.

You can also click the drop-down list for any other interior upgrades added and enter the quantity in the corresponding amount field. Type any notes regarding the upgrades in the Notes text box.

Home Systems Upgrades

Expand the Home Systems Upgrades section to enter upgrades for heating, air conditioning, specialty systems, and fireplaces.

Click the drop-down list in the Original Item column to select the original item that was originally furnished with the condo. Then enter the number of items upgraded in the Quantity Replaced field. Click the drop-down list in the Replacement Item column to select the upgraded item. Click the Add Row link if you need more fields.

For example, if the chair rail was upgraded from none to 2" painted chair rail in the kitchen and dining room, select 'None' in the Original Item column, enter the number of rooms it was added to in the amount field, and then select chair rail type in the Replaced With column.

For example, if the air conditioning was upgraded from none to central air conditioning, select 'None' in the Original Item column, enter the number of air conditioning units added to in the amount field, and then select the air conditioning type in the Replaced With column.

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Exterior Feature Upgrades

You can enter upgrades for doors, windows, awnings, patios, decks, and enclosures in the Exterior Feature Upgrades section.

Click the drop-down list in the Original Item column to select the original item and then enter the number of items upgraded. Enter the total square feet of patios, decks, or enclosures upgraded. Click the drop-down list in the Replaced With column to select the upgraded item. Click the Add Row link if you need more fields.

You can also click the drop-down list for any other new features added and enter the quantity in the corresponding amount field. Type any notes regarding the upgrades in the Notes text box.

Additional Features

Expand the User-Defined Features section and enter upgrade information not listed elsewhere in the valuation.

Enter a description of the original item in the Original Item field. After an Original Item is entered, three additional fields appear. Enter the original cost in the corresponding amount field. Then enter the description and cost of the replacement item in the appropriate fields. Click the Add Row link if you need to add more items.

Calculate Condo - Upgrades Only

Click Calculate to see the results of the Valuation. If information is missing from a required question, clicking Calculate displays an error page with a description and link for each question that requires more information. If all required questions are complete, the Results page appears.

For example, if a deck was upgraded from redwood to polymer decking, select the redwood deck type in the Original Item column, enter the total square feet in the amount field, and then select the polymer deck type in the Replaced With column.

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Manufactured/Mobile Valuation

The Manufactured/Mobile Home Valuation creates a new valuation for manufactured (mobile) homes. The valuation format contains all required questions on one page divided into sections.

To create a Manufactured/Mobile valuation, click New Valuation, select Residential and then click the Manufactured/Mobile radio button.

Primary Information

The Primary Information section includes questions that make the largest impact on the home's replacement cost value. Most of the general information on the property is entered in this section. Enter the year the home was built, Manufacturer, Trade Name or Model, Total Width, Floor Plan, as well as some of the home's key characteristics.

Manufacturer and Trade Name (Model)

Enter the manufacturer and trade name or model number in the appropriate fields. A dynamic list of manufacturers and trade names is available and appears after you begin typing. The list populates when you’ve typed as little as one character. You can then use the arrow keys or mouse to select the appropriate manufacturer.

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Total Width

Select the total width of the home from the drop down menu. The total width includes all connected sections (see Floor Plan below). If the total width is not available from the drop-down list, select the next available width.

Use Supplemental Value Section (SVS)

Check the box to use the Supplemental Value Section. The Supplemental Value Section (SVS) allows free entry in all fields and is used when the manufacturer or trade name is not available or is unknown.

When the Use Supplemental Value Section option is checked, the Quality Category question displays. Click the drop-down list to select the Quality Category of the home. Options include Economy, Standard, Deluxe, and Luxury. Definitions for each Quality Category can be found by clicking the Quality Category question link. Quality is used only when the Use Supplemental Value Section option is selected.

Floor Plan

Select the home’s floor plan from the drop-down list. Only floor plans available for the selected Manufacturer and Trade Name are displayed. Please note, that if the Use Supplemental Value Section option is checked, the available floor plans are based on the Total Width selected.

You can also click the Floor Plan question link to see a sample of each floor plan. Click the appropri-ate floor plan, enter the Main Section width and length, and click the Submit button.

Width and Length

Select the width and length of the Main Section, Additional Section(s), and any Expando/Tip Out Rooms from the correspond-ing drop-down lists. Do not include additional sections or expando/tip out rooms in the Main Section Width and Length fields. If the width or length is not available from the drop-down list, choose the answer that best matches the size.

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Condition

Select the home’s overall condition from the drop-down list.

Excellent Home is new and/or like new, very attractive and highly desirable.

Good Normal wear and tear visible, but home is well maintained, still attractive, desirable and useful.

Average Without inspecting the home, assumed to be a marketable product, being of no specified condition. (Average retail book value.)

Fair Minor deterioration apparent due to both the climate and deferred maintenance, less attractive but obviously useful.

Poor Signs of structural deterioration obvious, missing or broken component items, definitely undesirable and marginally useful.

Basement

Select the basement type from the drop-down list. Click the Add Row link to add features or include basement types of other sections. (Please note, if the basement is Concrete, the concrete material is selected from the Concrete drop-down list, i.e. Concrete Blocks or Concrete Slab.)

If the home has multiple foundation types, select the size of the home that corresponds with each type of foundation.

Example: A home has a concrete slab under a single-wide section and a concrete basement under a multi-wide section. For this home, select Concrete - Multi Section from the Basement drop-down list and select Concrete Slab from the Concrete drop-down list.

Concrete basements are capable of meeting HUD requirements for a permanent founda-tion. Wood basements do not meet HUD requirements for a permanent foundation.

Concrete

Select the concrete foundation system type and enter the total square footage of the foundation.

If the home has multiple foundation types, select the size of the home that corresponds with each type of foundation.

Example: A home has a concrete slab under a single-wide section and a concrete basement under a multi-wide section. For this home, select Concrete - Multi Section from the Basement drop-down list and select Concrete Slab from the Concrete drop-down list.

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Foundation Systems Select the foundation system type and size from the drop-down list. Enter the number of sections for the selected type/size and enter the square footage in the corresponding amount field. Click the Add Row link to select additional foundation systems types. Foundation Systems may also be known as crawlspaces. If the home has multiple foundation types, select the size of the home that corresponds with each type of foundation.

Example: A home has a concrete crawlspace under a single-wide section and a concrete basement under a multi-wide section. For this home, select Concrete - Multi Section from the Basement drop-down list and select Concrete - Single Section from the Foundation Systems drop-down list.

Detailed Information

The remaining sections of the worksheet are provided so that any changes from the ‘factory defaults’ may be included in the valuation. Values should only be entered in these sections if they differ from items that come standard in the home. These items should always be entered if SVS is used.

Note: Items may be entered using different units of measurement. When using a question with Each Item as the unit of measurement, enter a value for the total specified items throughout the home. When using a question with Square Feet as the unit of measurement, enter each value as one square foot. Enter the total value of square feet. See Manufactured/Mobile Units of Measurement on page 43 for a list of Units of Measurement.

Interior Features Expand the Interior Features section to enter information for the interior features of the home. This includes questions for kitchen appliances, floor covering, carpeting complete (100% carpeted), interior, and miscellaneous. Click the Add Row link if you need more fields.

Cabinets, Countertops and Doors Expand the Cabinets Countertops and Doors section to enter information for the cabinets, countertops and doors located in the home. This section also includes questions for Built-Ins and Wet Bars. Click the Add Row link if you need more fields.

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Exterior Features

The Exterior Features section includes questions for exterior, windows, skirting, house type siding, awnings, canopies, roofing, and more. Click the Add Row link if you need more fields.

Foundation

Expand the Foundation section to enter information related to earthquake resistant systems, running gear, and wind tie down systems. Click the Add Row link if you need more fields.

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Systems

The Systems section includes questions for central air conditioning systems, heating, water coolers, overhead cooler ducts, window air units, electrical, fans, plumbing, water heaters and fire sprinkler systems. Click the Add Row link if you need more fields.

Insulation

Expand the Insulation section to enter information for upgraded insulation packages and energy efficient items found in the home. Click the Add Row link if you need more fields.

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Additional Structures

Enter information in the Additional Structures section for garage/carports, decks/balconies, patios/porches, breezeways, site built additions, and other attached or detached structures.

When entering a site built addition, click the More Detail link to enter additional details for living space, kitchen, and bathroom additions.

When calculating ACV, Manufactured/Mobile Additional Structures calculate differently than the base structure. See the Actual Cash Value and Depreciation white paper for more information.

Calculate Manufactured Home Valuation

Click Calculate to see the results of the Valuation. If information is missing from a required question, clicking Calculate displays an error page with a description and link for each question that requires more information. If all required questions are complete, the Results page appears.

© 2008 - 2010 Xactware Solutions, Inc. All rights reserved Page 43 of 56

Manufactured/Mobile Units of Measurement

Primary Information Basement

Concrete - Single Section Concrete - Multi Section Wood - Single Section Wood - Multi Section Ceiling (Drywall) Ceiling (Panel) Finished Interior (w/electric) Insulation (Wall/Ceiling) Stairway (Interior) Finished Stairway (Exterior) Grade/Below Grade

Square Feet Square Feet Square Feet Square Feet Square Feet Square Feet Square Feet Square Feet Each Each

Concrete

Concrete Blocks Concrete Slab

Square Feet Square Feet

Foundation Systems

Concrete - Single Section Concrete - Multi Section Wood - Single Section Wood - Multi Section

Square Feet Square Feet Square Feet Square Feet

Interior Features Kitchen Appliances

14 CF Refrigerator 15 CF Refrigerator 17 CF Refrigerator 18 CF Refrigerator 20 CF Refrigerator 22 CF Refrigerator Cook Top & Oven (Built In) Dishwasher Garbage Disposal Microwave Oven Range Over/Under (Eye Level) Trash Compactor

Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item

Floor Covering

1/2" Rebond Carpet Pad Tiled Entry Way

Square Feet Each Item

Flooring

Hardwood Flooring Laminate Flooring Tile Flooring T & G Plywood Sub-Flooring

Square Feet Square Feet Square Feet Square Feet

Carpeting Complete

Single-wide Multi-wide Third/Tag-A-Long Section

Each Section Each Section Each Section

Interior

1/4" Natural Wood Paneling Beamed Ceiling Rooms Cathedral/Vaulted Ceiling Rooms Drywall/Gypsum Walls

Linear Feet Each Item Each Item Linear Feet

Miscellaneous

Clothes Dryer Clothes Washer Fireplace (Permanent) Freezer Water Softener

Each Item Each Item Each Item Each Item Each Item

Cabinets Countertops and Trimwork Cabinets

Solid Hardwood Cabinets - Single-wide Solid Hardwood Cabinets - Double-wide Solid Hardwood Cabinets - Tag/Third Drawers w/Roller Guides Overhead Cabinet-Utility Room

Each Section Each Section Each Section Each Section Each Item

Counter Tops

Kitchen Counters - Coved Kitchen Counters - Tile Kitchen Counters - Granite Lavy Top Coved Lavy Top Double Bowl Lavy Top Marble

Each Item Each Item Each Item Each Item Each Item Each Item

Built-Ins Deluxe Buffet/Hutch Each Item

Wet Bars

Walk Behind Walk Up

Each Item Each Item

Doors

Deluxe House Type Exterior Door Sliding Glass Door (6' x 6') Storm Doors - Single-wide Storm Doors - Multi-wide Storm Doors - Third/Tag-A-Long Section Wardrobe Doors (Mirrored)

Each Item Each Item Each Section Each Section Each Section Each Pair

Exterior Exterior

2 x 6 Ext. Walls on 16" Centers Dormer Removable Hitch/Tow Bar Shutters Gutters/Downspouts Eaves

Linear Feet Each Item Each Item Each Pair Linear Feet Entire Home

Windows

Bay Window Bow Window Garden Window Skylight Dual Glazed Windows - Single-wide Dual Glazed Windows - Multi-wide Dual Glazed Windows - Third/Tag Storm Windows - Singe-wide Storm Windows - Multi-wide Storm Windows - Third/Tag

Each Item Each Item Each Item Each Item Each Section Each Section Each Section Each Section Each Section Each Section

Skirting to 30” High (Measured Around Perimeter)

Masonite Metal or Vinyl (Vertical) Shiplap (Horizontal) Simulated Stone (Fiberglass) Brick Ornamental 24" to 36" High Concrete Block 24" to 36" High

Linear Feet Linear Feet Linear Feet Linear Feet Linear Feet Linear Feet

House Type Siding

Single-wide Multi-wide Third/Tag-A-Long Section

Each Section Each Section Each Section

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Exterior (Continued) Awnings (Aluminum W/Metal Roofing)

Carport Free Standing Patio Unitizing (Awning Trim) Window House Type Roofing (additional)

Square Feet Square Feet Square Feet Linear Feet Square Feet Square Feet

Canopies (Fabric) Width x Projections

30" x 30" 36" x 30" 42" x 30" 48" x 30"

Each Item Each Item Each Item Each Item

Awnings (Wood Type W/House-Type Roof)

Free Standing Attached to Home Unitizing (Awning Trim)

Square Feet Square Feet Linear Feet

Retrofit Roof Contractor Installed Square Feet Retrofit Siding

Insulated Backing (All Types) Shiplap (8" Horizontal) Aluminum Steel Vinyl

Square Feet Square Feet Square Feet Square Feet

House Type Roofing

Single-wide Multi-wide Third/Tag-A-Long Section

Each Section Each Section Each Section

Roof Pitch (Multi-Wide Homes)

4/12 5/12 7/12 9/12

Linear Feet Linear Feet Linear Feet Linear Feet

Snow Load Roof

South Zone (min 20 psf) upg. 20 - 30 Middle Zone (min 30 psf) upg, 31 - 40 North Zone (min 40 psf) upg, 41+ 61-70 psf Upgrade 71-99 psf Upgrade 100+ psf Upgrade

Square Feet Square Feet Square Feet Square Feet Square Feet Square Feet

OSB Inner-Seal Siding & Sheathing (Flooring, Siding, Roofing)

Single-wide Multi-wide Third/Tag-A-Long Section

Each Section Each Section Each Section

Foundation Earthquake Resistant Systems

Single-wide Multi-wide Third/Tag-A-Long Section

Each Section Each Section Each Section

Running Gear (By Each Floor – Not Installed)

Axle w/Hub (12 to 18 Widths) Brake Axle w/Hub (12 to 18 Widths) Frame - Removal may not be legal Rim w/Tire (8 to 10 Ply) Tow Bar

Each Item Each Item Each Item Each Item Each Item

Wind Tie Down Systems (Parts & Labor)

Single-wide Multi-wide Third/Tag-A-Long Section

Each Section Each Section Each Section

Systems Central Air Conditioning System (By Ton, 12,000 BTU – 1 Ton

1 Ton Electric 1 1/2 Ton Electric 2 Ton Electric 2 1/2 Ton Electric 3 Ton Electric 3 1/2 Ton Electric 4 Ton Electric 5 Ton Electric 3 Ton Gas 4 Ton Gas 2 1/2 Ton Heat Pump & Self Contained 3 Ton Heat Pump & Self Contained 3 1/2 Ton Heat Pump & Self Contained 4 Ton Heat Pump & Self Contained 5 Ton Heat Pump & Self Contained

Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item

Heating

Baseboard Heating Oil Gun Furnace Wall Heater Wood Burning Stove (Factory Installed)

Linear Feet Each Item Each Item Each Item

Water Coolers (Roof or Window Mount) Evaporative Coolers (All CFMS) Each Item

Overhead Cooler Ducts

17 x 17 Roof/Ceiling Vent - Only 5 Way Electric Cooler Switch Ceiling Duct (w/Roof Vent/5 Way Elect. Switch)

Each Item Each Item Each Item

Window Air Units – All Types

8,000 BTU 12,000 BTU 18,000 BTU

Each Item Each Item Each Item

Electrical

100 Amp Main 200 Amp Main Electric Furnace - Only Electric Home - Total Electric Kitchen - Only Electric Range - Only Electric Water Heater - Only Intercom Phone/TV Jack Security/Fire Alarm 220v Dryer Wiring (incl. Vent)

Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item

Fan

Bath Exhaust Ceiling Fan Ceiling Paddle Fan Kitchen Stove Exhaust Wall Fan Bath Heater-Light/Fan Ceiling

Each Item Each Item Each Item Each Item

Plumbing

3 Stage Sink - Porcelain Gas Tee for Dryer (incl. Vent) Hot Water Baseboard Heater Laundry Tub/Sink Pop-up Valve Sauna Single Lever Faucet Sink Kitchen Double Bowl Stainless Steel Sink Water Shut-off Valve

Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item

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Systems (Cont.) Plumbing (Cont.)

Plumb for Washer Fiberglass Shower Stall Fiberglass Tub - Combo Garden Tub Garden Tub w/Jets Tub Enclosure

Each Item Each Item Each Item Each Item Each Item Each Item

Water Heater Gas/Electric

30 Gal. 40 Gal. 50 Gal. Tankless Water Heater

Each Item Each Item Each Item Each Item

Sprinkler System (Fire) Area of Coverage Square Feet

Systems Central Air Conditioning System (By Ton, 12,000 BTU – 1 Ton

1 Ton Electric 1 1/2 Ton Electric 2 Ton Electric 2 1/2 Ton Electric 3 Ton Electric 3 1/2 Ton Electric 4 Ton Electric 5 Ton Electric 3 Ton Gas 4 Ton Gas 2 1/2 Ton Heat Pump & Self Contained 3 Ton Heat Pump & Self Contained 3 1/2 Ton Heat Pump & Self Contained 4 Ton Heat Pump & Self Contained 5 Ton Heat Pump & Self Contained

Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item

Insulation Insulation Upgraded Package - A (Only If Verified)

Floor - Single-wide Floor - Multi-wide Floor - Third/Tag-A-Long Section Roof - Single-wide Roof - Multi-wide Roof - Third/Tag-A-Long Section Walls - Single-wide Walls - Multi-wide Walls - Third/Tag-A-Long Section

Each Section Each Section Each Section Each Section Each Section Each Section Each Section Each Section Each Section

Insulation Upgraded Package - B - Built Prior To Oct. 24, 1994

Single Section with vinyl frame windows - low "e" glass Single Sect w/vinyl frame windows - low "e" glass/Argonne Multi Section with vinyl frame windows - low "e" glass Multi Sect w/vinyl frame windows - low "e" glass/Argonne Third/Tag-A-Long Section

Each Section Each Section Each Section Each Section Each Section

Insulation Upgraded Package - B - Built From Oct. 25, 1994 To Date

Single Section with vinyl frame windows - low "e" glass Single Sect w/vinyl frame windows - low "e" glass/Argonne Multi Section with vinyl frame windows - low "e" glass Multi Sect w/vinyl frame windows - low "e" glass/Argonne Third/Tag-A-Long Section ("e" or Argonne)

Each Item Each Item Each Item Each Item Each Item

Insulation Upgraded Package - C - Built Between 1985 - 1994 - Zone 1

Single Section with Dual Glazed Windows Single Section with Storm Windows Multi Section with Dual Glazed Windows Multi Section with Storm Windows Third/Tag-A-Long Section

Each Section Each Section Each Section Each Section Each Section

Insulation Upgraded Package - C - Built Between 1985 - 1994 - Zone 2

Single Section with Dual Glazed Windows Single Section with Storm Windows Multi Section with Dual Glazed Windows Multi Section with Storm Windows Third/Tag-A-Long Section

Each Section Each Section Each Section Each Section Each Section

Insulation Upgraded Package - D - All Types, Mfg., Years Or Zones

Single Section House Type Roof Single Section Metal Roof Multi Section House Type Roof Multi Section Metal Roof Third/Tag-A-Long Section (House or Metal Roof)

Each Section Each Section Each Section Each Section Each Section

Energy

Water Heater Insulation Blanket Window Film Coatings

Each Item Square Inches

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General Conditions and Ommissions

Transportation Costs (Current Costs Only)

Freight Charges - per Floor (Over 300 miles) Pilot/Escort Cars - per Floor Sea Transport (running gear attached) WA to AK Sea Transport (running gear attached) WA to HI

Each Mile Each Mile Square Feet Square Feet

Wind Zone 1 Costs Included in base cost of home Each Section

Wind Zone 2 Costs

Single Section 40'-50' Single Section 51'-60' Single Section 61' & up Single Section Anchorage Costs Single Section Expando Room Multi Section 40'-50' Multi Section 51'-60' Multi Section 61' & up Multi Section Anchorage Costs Third/Tag-A-Long Section

Each Section Each Section Each Section Each Section Each Section Each Section Each Section Each Section Each Section Each Section

Wind zone 3 Costs

Single Section 40'-50' Single Section 51'-60' Single Section 61' & up Single Section Anchorage Costs Single Section Expando Room Multi Section 40'-50' Multi Section 51'-60' Multi Section 61' & up Multi Section Anchorage Costs Third/Tag-A-Long Section

Each Section Each Section Each Section Each Section Each Section Each Section Each Section Each Section Each Section Each Section

Omit Values (Subtract) Deduct From Base Value

12 CF Single Door Refrigerator 30" Freestanding Cooking Range Drapes/Curtains Furnace - Only (69,000 BTU or Less) Heating System (including Furnace) Plumbing System (including Water Heater) Water Heater - Only (20 gal.) Axle w/Hub (12 to 18 Widths) Brake Axle w/Hub (12 to 18 Widths) Frame - Removal may not be legal Rim w/Tire (8 to 10 Ply) Tow Bar

Each Item Each Item Each Section Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item Each Item

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Commercial Valuations

The Commercial Valuation presents questions in a question-and-answer format. It is divided into pages with questions organized into sections. The progress bar lists the pages from left to right and provides the following status indication:

Bold text with brackets indicate the current page

White text indicates there are incomplete questions on the page

Dark blue text indicates all required questions are complete on the page

Valuation pages and questions display in a specific order which enables 360Value to fill in many default answers for you. Pages are ordered from left to right (as shown on the Progress Bar), and questions are ordered from top to bottom on each page. For example, the features in the building are defaulted for you when you answer the questions on the Structure page. This way, answering the questions in order allows 360Value to set defaults for you. You can then review the answers and make any necessary changes instead of entering the data manually.

To create a new commercial valuation using this question-and-answer approach, click Create Valuation and select Commercial from the Main page. The Commercial Address page is the first page of the Valuation.

Commercial Address Page

The Address page allows you to enter information on the property itself as well as the property owner. You can enter the name, address, e-mail, phone, and policy number of the owner. If the owner's address information is the same as the property information, check the Copy to Property Information checkbox.

Fill in any additional property information. Make sure you enter the correct ZIP/postal code in the Property Information section. 360Value uses this ZIP/postal code to determine the correct pricing jurisdiction for the valuation. To account for variations across ZIP/Postal Codes, 360Value replacement-cost estimates are localized to a five-digit ZIP Code level for the US and three digit Postal Code level for Canada.

Click Next to continue to the Use page.

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Commercial Use Page

The Use page is where you enter the primary, attached, and built-in use types for the building or buildings. These answers determine many of the available options and defaults on the Structure, Structural Options, and Features pages.

Click the drop-down list buttons to select the Use and Quality for each building (primary or attached) and any built-in uses. Click the Add Built-In link if you need more fields.

A building is considered "Attached" if it has a roof type or number of stories that is different from the primary building, but it shares a common wall. For example, a warehouse may have an attached office.

A "Built-in" use type resides within a Primary or Attached structure. Enter a built-in use by selecting an additional Use type from the second row.

Enter the Number of Stories for the Primary Building and any attached buildings, and the square footage of each use. The total square footage of all buildings includes the primary building and all attached buildings. Make sure to include all finished (heated) and unfinished areas. For example, if an Apartment building has an unfinished basement area and underground parking, all of this square footage must be included in the total.

Select the property slope for the structure from the drop-down list and then click Next to continue to the Structure page.

A detailed description of the Primary Use type displays here.

Click the Building Use Type Wizard link to select the Use type from graphical representations.

Click this drop-down list and select 'Yes' to define any buildings attached to the primary building. For example, a hotel may have an attached restaurant.

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Building Use Type Wizard

If you prefer, click the Building Use Type link to select the Primary or Attached Building graphically.

Select the Primary Building or Attached Building Use type by clicking the corresponding image. Use the arrow keys or slider to scroll through the Use type image gallery. You can also click images in the background to move them forward. A detailed description for the center image displays on the right.

Filter results by entering text into the Text Filter, or by checking the appropriate box(es). Use types for the entered text and/or selected categories display in the image gallery.

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Commercial Structure Page

The Structure page is where you enter the basic information on the structure. Most fields on this page are required and the answers determine many of the available options and defaults on the Structural Options and Features pages.

Check the Exterior Shell Only checkbox to create a valuation for the exterior of the building only, not including any interior finishes. Once checked, the Interior Finishes pop-up window appears. Check the boxes of the interior finishes or items you want to include in the valuation and then click Submit. Only applicable interior finish questions will display on the Structural Options and Features pages.

The Exterior Shell Only checkbox only displays for Apartment/Condominium, Office - General Business, Shopping Center - Indoor Mall, and Shopping Center - Outdoor Strip Mall use types. This allows 360Value to calculate the value of a building's shell, such as for a strip mall, which may be valuated without any interior finishes or features.

Enter the year built, average story height, and number of units. Click the question hyperlink if you need help with a specific question.

Click the drop-down menu to select the Above Grade Supporting Wall type used in this building. Click the Add Row link if you need more fields. If you choose multiple types, enter the corresponding percentage next to each type. All supporting wall type percentages must total 100%.

Click the drop-down menu and select a foundation shape. Then click the drop-down menu to select the foundation type used in the structure. If you choose multiple types, enter the corresponding percentage next to each type. All foundation type percentages must total 100%. If the specified foundation type includes Basement or Shallow Basement, enter the corresponding percentage of each Below Grade Use type in the percentage field.

Click Next to continue to the Structural Options page.

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Commercial Structural Options Page

The Structural Options page is where you enter information on exterior wall finishes, interior partition walls, roof and floor details. Click the drop-down list button for each type of system or finish to select the appropriate type for the structure. If you need additional fields for any system, you can click the Add Row link. All structural option type percentages must total 100%. The defaults entered in this page are based on the answers you entered on the Structure page.

Click Next to continue to the Features page.

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Commercial Features Page

The Features page allows you to enter the structure's common features that affect replacement cost. This includes equipment for each use type such as building signage, specific features (pools, spas, safes and vaults), and any other user-defined features. The types of features available are based on the use(s) selected on the Use page.

Check the box for each feature type used in the structure. A drop-down list displays if there is more than one type available. An amount field displays if 360Value calculates the value based on the number of items. If you need help answering a question, click the question hyperlink for context-sensitive help.

If there are any features you need to include that are not listed anywhere else in the valuation, enter the description in the User Defined Feature field. Additional questions display for the number and the cost per item. The total amount is calculated for you. Click the Add Row link to enter additional user defined features.

To create an auxiliary structure, click the drop-down list and select an auxiliary structure. Additional fields appear allowing you to enter specific information regarding the structure.

Calculate Commercial Valuation

When finished, click Calculate to calculate your valuation and view the Results page. If information is missing from a required question, an error page displays with a description and link for each question that requires more information. If all required questions are complete, the Results page appears.

© 2008 - 2010 Xactware Solutions, Inc. All rights reserved Page 53 of 56

Agricultural Valuations

The Agricultural Valuation presents the valuation questions in a question-and-answer format. It is divided into pages with questions organized into sections. The progress bar lists the pages from left to right and provides the following status indication:

Bold text with brackets indicate the current page

White text indicates there are incomplete questions on the page

Dark blue text indicates all required questions are complete on the page

The pages and questions are ordered so that filling in the pages, in order from left to right (as shown on the Progress Bar), and answering the questions, from top to bottom within each page, yields the best results. For example, the features in the building are defaulted for you when you answer the questions on the Structure page. This way, answering the questions in order allows 360Value to set defaults for you. You can then review the answers and make any necessary changes instead of entering the data manually.

To create a new agricultural valuation using this question-and-answer approach, click Create Valuation and select Agricultural from the Main page. The Agricultural Address page is the first page of the Valuation.

Many of the sections in the Agricultural Valuation are similar in the Commercial Valuation. This chapter of the Getting Started Guide explains the sections of the Agricultural Valuation that differ from the Commercial Valuation. For more information on the other sections, see Commercial Valuations on page 47.

Agricultural Address Page

The Address page is the same in the Commercial Valuation. See Commercial Address Page on page 47.

Click Next to continue on to the Use page.

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Agricultural Use Page

The Use page is where you enter the primary, attached, and built-in use types for the building or buildings. These answers determine many of the available options and defaults on the Structure, Structural Options, and Features pages.

Click the drop-down list buttons to select the Use and Quality for each building (primary or attached) and any built-in uses. Click the Add Row link if you need more fields.

Enter the appropriate measurements (length, width, diameter, height, and/or number of units) for this structure and then select the quality and property slope.

If there are additional built-in uses, specify the square footage of each built-in use. The total square footage of all buildings includes the primary building and all attached buildings. Square footage for the each building is calculated based on the length and width measurements entered. The built-in use square footage is included in the total square footage calculated from the length and width of the building. Square footage is not applicable for buildings measured in diameter or bushel capacity, i.e. Tower Silo, Grain Bin, etc.

Measurement questions change depending on the Use type selected.

© 2008 - 2010 Xactware Solutions, Inc. All rights reserved Page 55 of 56

Agricultural Structure Page

The Structure page is where you enter the basic information on the structure. Most fields on this page are required and the answers determine many of the available options and defaults on the Structural Options and Features pages.

Enter the year built and height (height to eave) or number of stories. If the structure has a second story loft enter the corresponding percentage. Click the question hyperlink if you need help with a specific question.

Select the construction type used in the structure from the Construction Type drop-down menu. Click the Add Row link if you need more fields. If you choose multiple types, enter the corresponding percentage next to each type. All construction type percentages must total 100%.

Enter the number of exterior or end walls for the structure. The Exterior Wall Finish selected on the Structural Options page is only applied to the number of walls entered.

Click the drop-down menu and select a foundation type. If you choose multiple types, enter the corresponding percentage next to each type. All foundation type percentages must total 100%.

Click Next to continue on to the Structural Options page.

Agricultural Structural Options Page

The Structural Options page is the same in the Commercial Valuation. See Structural Options Page on page 51.

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Agricultural Features Page

The Features page allows you to enter the structure's common features that affect replacement cost. This includes equipment for each use type, additional features, specific features such as automated milking systems and feed hoppers; and any other user-defined features.

Check the box for each feature type used in the structure. A drop-down list displays if there is more than one type available. An amount field displays if 360Value calculates the value based on the number of items. If you need help answering a question, click the question hyperlink for context-sensitive help.

If there are any features you need to include that are not listed anywhere else in the valuation, enter the description in the User Defined Feature field. Additional questions display for the number and the cost per item. The total amount is calculated for you. Click the Add Row link to enter additional user defined features.

Calculate Agricultural Valuation

Click Calculate to see the results of the Valuation. If information is missing from a required question, clicking Calculate displays an error page with a description and link for each question that requires more information. If all required questions are complete, the Results page appears.