How Wave Works
Coverage and industry standards questions
Ask Wave whether a policy covers the work, or chat about the industry standards, and get a reasoned answer you can work from. When you attach the policy, Wave points to the section it relied on.
Ask Wave whether a policy covers the work, or chat about what the industry standards say, and get a reasoned answer you can work from. When you attach the policy, Wave points to the section it relied on. Wave's readings support your estimating and documentation. They are not coverage determinations or legal advice, and the carrier makes the final coverage decision.
You can ask anywhere you talk to Wave: the Home box, the Chat page, or the chat beside a job.
Ask about coverage
Ask in plain words: "Does this policy cover the mold in the crawlspace?" or "What does this policy say about water that came in under the door?" For the best answer, attach the policy as a PDF with your question.
What a coverage answer includes
You get:
- Wave's reading first, with the reason for it. Wave tells you which way it thinks the policy points for this work, and why.
- The section it rests on, from the document you gave it, so you can read the policy's own words yourself.
- What could change the reading, such as an exclusion that might apply or a fact about the loss that still needs confirming.
When you ask about a whole policy, Wave gives a separate reading for each kind of damage or work, each with its own section.
If you haven't attached the policy, Wave tells you its reading rests on the facts of the loss and invites you to attach the policy for a sharper answer.
If a statute or building code matters to your answer, share the text and Wave works from it.
Chat about industry standards
Wave is familiar with the industry's water damage and mold remediation standards from field experience, credible sources and the EPA. Ask about drying science, mold, containment, or a situation on the job in front of you, and chat about the standards based on those sources.
This helps you back up your estimate with solid information while you build it. Ask "why does this job need that?" or "what do the standards say about wet insulation?" and you get a reasoned answer you can point to.
Answers separate what the sources say, what your attached document says and what is general estimating judgment, and mark whether something is required or only recommended.
When the sources don't clearly address your question, Wave tells you so rather than stretching a nearby point. If Wave could read only part of a PDF, it says so in its answer.
Which plans include standards chat
Industry standards chat comes with Basic and above, and it's included in the free trial. See Plans and limits.
Carrier guidelines work alongside
Carrier guidelines are separate from industry standards. On Pro, and during the free trial, your team uploads the carrier or TPA programs you work under, and Wave flags your estimates against the programs you attach. Your guidelines stay private to your company.
Guideline findings can include a Coverage note from Wave. It tells you how fully Wave could check your estimate against the program, for example when the program refers to a companion document Wave doesn't have. See Billing checks.