Overhead & Profit (O&P)
An industry-standard 10/10 markup (10% overhead + 10% profit) added to a job that involves three or more trades.
Most state insurance regulations and carrier guidelines (per the Vale Training Solutions standard) require carriers to pay O&P on roofing claims when 3+ trades are involved (e.g., roofing + gutter + paint). Missing O&P alone can be 20% of the total claim.
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