The O&P Playbook for Property Adjusters

Written for independent and public adjusters who are tired of having the same overhead and profit argument on every sizable loss.

The pattern is familiar. You include O&P because the job clearly needs a general contractor. The review removes it because the job is "not complex." Both sides then trade the three trade rule of thumb back and forth like a slogan, and the claim stalls exactly where it started.

The O&P Playbook is a free PDF that replaces the slogan with a documented argument. Inside:

• What overhead and profit actually pay for, in plain English
• The three trade rule of thumb: where it came from, when it helps, and where it quietly loses winnable arguments
• The six part coordination evidence checklist: trade list, sequencing map, supervision note, capability paragraph, contractor documentation, and timeline
• Ready to adapt answers for the four most common carrier pushbacks
• The estimate presentation habits that make reviewers argue with your file less

The core idea is simple: O&P disputes are not won by counting trades. They are won by making the coordination visible on paper, so the person reviewing the file can see the job the way a scheduler would. Adjusters who document this way spend less time arguing and more time closing, and their files hold up at every level of review.

Get the free playbook: enter your email and we will send the PDF to your inbox.

When you are ready to stop rebuilding this argument from scratch on every claim, take a look at MESHA. It is a claims management platform built for independent and public adjusters, with a document hub that keeps contractor letters and evidence tied to each claim, smart drafting tools for written positions, and an 8-phase pipeline that shows exactly where every fi

This guide is part of MESHA Academy, free field education for adjusters: mesha.cc/academy. MESHA for adjusters: mesha.cc