Download CDT Exam 2 Questions With 100% Correct Answers 2024 and more Exams Advanced Education in PDF only on Docsity! CDT Exam 2 Questions With 100% Correct Answers 2024 What is Dual Nature of design? - Correct Answer-Aesthetic and Technical Design Hard Costs - Correct Answer-Tangible components of completed projects EX: Site related costs, construction, furniture/furnishings, equipment *Included in the PROJECT BUDGET Soft Costs - Correct Answer-Non-Tangible components of completed projects. EX: Due Diligence, Project Design Fees, Commissioning, Jurisdictional Fees, Relocation, Terminating Leases and Rental Agreements *Included in the project budget Value Analysis - Correct Answer-The process of evaluating a design to identify potential alternative methods, systems, or materials that will benefit the project by enhancing the life cycle. *Value: The decision making process is improved by analysis Value Analysis Methodology - Correct Answer-Value Analysis is conducted in a workshop format and can be held anytime during Design and Construction Process *The Workshop Steps: Information Phase, Speculation (creative) Phase, Evaluation (analysis) Phase, Development Phase, Presentation Phase Schematic Design - Correct Answer-A/E Reviews and Evaluates the wonders program and budget requirements and offers alternative approaches to the design of the project. *A/E prepares schematic design documents for owners approval, Including: Preliminary Sketches, Small scale schematic plans, evaluations, sections, diagrams, renderings, and other GRAPHIC AND WRITTEN Documents that illustrate the general extent, scale, and relationship among project components Types of drawings prepared during the schematic design phase - Correct Answer-* site plan * floor plans * perspective and renderings * elevations -Accuracy is 20-25% uses PER UNIT occupancy costs EX: A cost per bed price for a nursing home, Hospital, or a hotel OR Cost per seat prices for a Theater or a Restaurant Assemblies/Systems - Correct Answer-Requires more detailed information about the project construction Cost per unit of assembled construction is used to form the cost estimate Uniformat can be used as a cost guide format Cost per unit for windows, doors, Bath Fixtures etc. Cost for each assembly, item, or group are totaled to get total cost estimate Unit Price - Correct Answer-Uses a complete, detailed list of project materials, components, and other cost items for the entire project MOST ACCURATE TYPE OF COST ESTIMATE -Accurate to 3-5% Requires significant amount of time and effort UTILIZES THE COMPLETED Construction Documents Design Development - Correct Answer-Comes AFTER owners approval of schematic design and any program or budget adjustments EMPHASIS shifts from overall relationships and functions to MORE TECHNICAL ISSUES OF CONSTRUCTIBILITY AND INTEGRATION OF SYSTEMS AND COMPONENTS Aesthetic concerns move from massing arrangements to MATERIALS, SURFACES, and DETAILS Types of Drawings Prepared for The Design Development Phase - Correct Answer-Site Plan Floor Plans Elevations Building Sections Perspective and Renderings Digital Modeling Structural Plans Fire Protection Plans Landscape Plans Mechanical Plans Grading and Drainage Plans Outline Specifications - Correct Answer-Help Owner become familiar with and understand building ELEMENTS, PRODUCTS, and STANDARDS Serve a variety of purposes for LENDERS, ESTIMATORS, CONSTRUCTION MANAGERS, and CODE OFFICIALS **They are a RECORD OF DECISIONS about specific materials, equipment, systems, methods, manufactures, and special fabrication requirements ** Information Provided in OUTLINE SPECIFICATIONS - Correct Answer-Info. about Manufacturers, Materials, Manufactured units, Equipment, Components, and Accessories Reference Standards involving products and installation Special Submittal Requirements Special Qualifications Description of any Extended or Special Warranty Requirements Describe Material Mixes, Fabrications, and Finishes Reference Standards are VOLUNTARY However, some Reference Standards are ADOPTED by Codes and Regulations Explain how Sustainability may be required on a project - Correct Answer-Owner may have included sustainability as a PROGRAMMING PROVISION by requiring compliance with one of the voluntary sustainability programs such as, LEED and Green Globes In some cases, the Jurisdictions may have incorporated sustainability requirements into the adopted building code (ex: state of California) or provided for it as a CODE PATH ALTERNATIVE (ex: adoption of the International Green Construction Code [I gCC]) Purpose of CONSTRUCTIBILITY Review - Correct Answer-The simplicity or complexity of a design can have a direct effect on the construction COST and SCHEDULE CONSTRUCTIBILITY is the EVALUATION of the PRACTICAL and ECONOMIC effects of decisions made DURING the DESIGN Importance of working within the Project's Budget - Correct Answer-Just as important as COMPLYING with the Owners PROGRAM Not providing a design within owner's Budget the A/E could spend a considerable amount of ADDITIONAL WORK AND MONEY Revising the Design to bring the project within budget Order of Magnitude (Description, Accuracy, Used) - Correct Answer-Per unit of Occupancy 20-25% Accurate Used during Programming or Schematic Design Phases Unit of Measure (Description, Accuracy, Used) - Correct Answer-Per Unit of Area or Volume 15-20% Accurate Used during Schematic Design Phase Assemblies/Systems (Description, Accuracy, Used) - Correct Answer-Per unit of Assembled Construction 10% Accurate Used During Design Development Phase Unit Price (Description, Accuracy, Used) - Correct Answer-Per Quantity or Materials and Components 3-5% Used during Construction Documents Phase Cost Estimating Documents for a new water main project are ready for bidding, but a new estimate is required to ensure the project is still within budget before the procurement phase can proceed - Correct Answer-Unit of Measure Cost Estimating Before proceeding into the construction documents phase, the design team wants to ensure the cost of the project is within budget - Correct Answer-Assemblies/Systems Cost Estimating An owner of a parking garage management company needs to establish a budget for a new public parking structure for paid parking. The project feasibility study indicates that for the garage to make a profit, the parking structure must be capable Drawbacks of Value Analysis - Correct Answer-Can be problematic if used solely for reducing construction costs Implementing too late could be disruptive to design and scheduling Allowance - Correct Answer-A specified Monetary Sum, or a specified quantity of work NOT otherwise defined by the drawings and specifications but which the contractor is REQUIRED to include IN THR BID OR PRICE Alternate - Correct Answer-A defined portion of the work that is PRICED SEPARATELY and thus provides an option for the Owner in determining the final extent (scope) of the project Provides the owner with a CHOICE between different products or it can define the ADDITION OR DELETION of a PORTION OF WORK Unit Prices - Correct Answer-A stipulated or quoted price for a single specified unit of work Are established based on the Quantity Allowance (2) Types of Allowances - Correct Answer-Cash Allowance Quantity Allowance Cash Allowance - Correct Answer-A monetary sum specified by the A/E and included in the cost of the work to pay for products that are unspecified at the time of pricing Allows pricing to proceed before all products have been selected and documented in the design Quantity Allowance - Correct Answer-A specified quantity of work to be used when the actual quantity is unknown Contractor pricing is based on the unit prices times the quantity allowance. Once the quantity is determined the contract sum is adjusted using the unit price and the Actual Quantity Provided Advantages of Allowances - Correct Answer-Allow pricing to proceed before all products are selected and documented in the design OR before actual Quantities are known Disadvantages of Allowances - Correct Answer-CASH Allowance are BLINDLY PRICED for installation since installation costs is NOT INCLUDED IN AN ALLOWANCE May INCREASE Project cost since they cannot be competitively priced Too many allowances complicate procurement and awarding activities Advantages of Alternates - Correct Answer-Provides owner with choice in different products or define ADDITION or DELETION of a PORTION OF THE WORK Allows owner to make use of the funds available for a project particularly PUBLIC PROJECTS where FUNDS MUST BE EXPENDED or project administrator will lose the funds Disadvantages of Alternates - Correct Answer-Design team must spend ADDITIONAL TIME AND EFFORT to prepare construction documents containing numerous alternates QC for one action may become QA for the next step in a process EX: Review of Docs. and Preparation of cost estimates at the end of schematic design are the QC. However, they also serve as Quality Assurance Process for design development by ensuring requirements are met BEFORE proceeding to the next step Obtaining Data indicating Performance, properties, and other attributes, which meet the Requirements, may include lists of Certified Products - Correct Answer-QA- Quality Assurance Jurisdictional plan reviews of submitted Docs. For building permits - Correct Answer-QC- Quality Control Peer or Internal reviews of Completed Documents - Correct Answer-QC- Quality Control Developing and using Projects checklists to track decisions and tasks - Correct Answer-QA- Quality Assurance Cost Estimates to verify the project is within budget - Correct Answer-QC- Quality Control Reviewing the building code and performing a code analysis to ensure compliance - Correct Answer-QA- Quality Assurance Reviewing owners program to throughly understand its requirements - Correct Answer-QA Purpose of Maintaining Records During the Design Process - Correct Answer-Documentation may be examined years after being written because dates and details that may not seem important during the project may be extremely useful later. It is necessary to document design decisions should a problem occur later in design or during construction, a record would provide a means of researching how the problem developed based on previous decisions Project Management Applications - Correct Answer-One tool that can help document decisions during the design process Some applications are developed for general project management, others are specifically designed for design teams Project Management Applications (Examples) - Correct Answer-BQE Core Deltek Ajera Monday.com Newforma Workflow Max Other tools that help document design decisions - Correct Answer-Meeting Minutes BIM Checklists Product Evaluation and Selection Process - Correct Answer- Establish performance requirements for products, assemblies, equipment and the facility Identify types of products with attributes that comply with the performance requirements Obtain product information *Kitchen cabinets with special door design * - Correct Answer- CUSTOM *Normal weight, gray concrete masonry units* - Correct Answer-STANDARD *Influences on Product Selection * - Correct Answer-Project Program Project Budget Project Schedule Regulatory Requirements Attribute - Correct Answer-Characteristics of product performance Based on project needs for a particular product, relevant attributes are established which are then used to determine requirements, criteria, and tests Requirements - Correct Answer-Desired results, usually in qualitative terms Criteria - Correct Answer-Performance criteria for a requirement stated in quantitative OR Qualitative terms Must be Measurable OR Observable Tests - Correct Answer-Means of verifying conformance with performance criteria and a measure of actual or predicted performance level (8) Attribute Categories used during Product Evaluation - Correct Answer-Physical Properties Performance Maintenance Manufacturers Sustainability Safety and Protection Cost Installers (3) Methods for Obtaining Product Information - Correct Answer-Online Resources Evaluation Reports Product Representatives Services Product Representatives Provide to the Design Team - Correct Answer-Specification Preparation Drawing Preparation Cost Estimating Representative Construction Costs Project Conditions Manufacturers Code Considerations What is required of an owner's entitlement to a claim? - Correct Answer-Must be established whether work in question required of the contractor is reasonably inferred from the contract Docs. If work is reasonable inferred, owners claim may be upheld without modification of contract Docs. IF NOT reasonably inferred owners claim is denied and work is either dismissed or submitted as a contract modification IF a settlement is achieved the parties mutually determine the terms of the settlement ans the agreements are enforceable in court Arbitration - Correct Answer-A formal process that involves the services of one or more neutrals who are empowered to reach an enforceable decision Decisions are considered final and conclusive and they are NOT SUBJECT TO APPEAL Purpose of Project CloseOut - Correct Answer-Provides an orderly transfer of the completed project from the contractor to the owner (Some) Activities Involved with Project Close Out - Correct Answer-Meeting held to establish procedural closeout activities Systems and equipment are started and set into operation Demonstration and training activities take place CloseOut submittals are provided to A/R for review and then delivered to the owner Operations and maintenance data are complied Record documents are assembled Contractor inspects project and prepares initial punch list A/E prepares certificates of substantial completion A/E processes final application for PAYMENT Purpose of a Close Out Meeting - Correct Answer-Conducted PRIOR to beginning close out activities to review close out procedures and activities Typical Topics Covered at a Project Closeout Meeting - Correct Answer-Organizational framework for transition of project from contractor to owner Procedures for determination of substantial completion and final completion Procedures for starting of systems and equipment Establishing schedule for preparing punch list Requirements for delivery of tools, spare parts, extra, and similar items Procedures for final cleaning Types of Closeout Submittals - Correct Answer-1. Operation and Maintenance Data 2. Project Record Documents 3. Demonstration and Training 4. Spare parts, Extra Stock Materials, and Tools Operation and Maintenance Data - Correct Answer-Manual consisting of equipment instruments materials and finishes information; component diagrams and parts lists; recommended cleaning, maintenance, and replacement schedule; service contracts; and warranty service information Project Record Documents - Correct Answer-Drawings and other documents including the BIM model, that document the work so it can be utilized by the owner for facility management purposes and future projects Demonstration and Training - Correct Answer-Qualifications for instructors, performance records of attendees, and videos of instructions for owners use in instructing future staff Spare Parts, Extra Stock Materials and Tools - Correct Answer- Materials that assist the facility manager in maintaining and operating the facility during the first years of operation Contractors Warranty - Correct Answer-Stipulates that the materials and equipment that are furnished will be new and of a particular quality that will perform as intended by the design Difference between one year correction period and contractors warranty - Correct Answer-Difference between the two is DURATION One year contractually obligates contractor to repair defects for a 1-year period after completion Contractors Warranty- extends beyond 1-year and is subject to individual state statutes of limitations if contractor does not respond, owner should correct problem and recover costs through legal means Final Completion - Correct Answer-Occurs when contractor has completed the contract requirements, the A/E has inspected the project to determine it is complete, the owner has made final payment to contractor and contractor has accepted final payment Activities Associated with Final Completion - Correct Answer- Contractor completes work on the punch list Contractor removes tools, materials, equipment, trash, and temporary facilities Contractor submits final completion Closeout Docs. Final application for payment A/E inspects project to verify punch list is complete A/E certifies final application for payment and forwards to owner Owner makes final payment to contractor Closeout activities involving the facility manager - Correct Answer-Closeout meeting as an attendee Observing commissioning activities Review and become familiar with Closeout submittals Startup of systems Review warranties When will commissioning activities be conducted? - Correct Answer-IF commissioning is part of the project, the activities will be conducted THROUGHOUT CONSTRUCTION and will be COMPLETED DURING PROJECT CLOSEOUT IF NOT PART of project, owner may hire commissioning authority to provide expertise DURINF CLOSEOUT Commissioning activities include? - Correct Answer- Participating in the demonstration and training and the startup of systems 2 categories for Administration and management of construction activities - Correct Answer-1. Construction Contract Administration Activities Relates to administering the contract for construction, often performed by A/E 2. Contractor Project Management Activities related to managing the construction process, typically performed by the contractor What team has the most project Management responsibilities? - Correct Answer-The Contractor Team Responsibility of the contractor - Correct Answer-Providing labor, materials, equipment, tools, machinery Job site safety proposal packages, procurement, and construction contract administration Adds to the responsibilities of A/E and a larger portion of construction documents preparation time is required as compared to an identical project using a more traditional method Sequencing - Correct Answer-Involves performing one portion of the work prior to another portioning either a logical or predetermined order Who is responsible for sequencing the construction work? - Correct Answer-The contractor Field Engineering includes what activities? - Correct Answer- Site Surveying Determining Facility Placement Developing the layout from the contract drawings Tolerances - Correct Answer-Quality control requirements for construction items in the specifications, or references to various industry or trade association standards related to product or equipment to establish minimum acceptable conditions Progress Cleaning - Correct Answer-Regular Cleaning as determined by the contract documents which reduces accidents and makes access to work areas easier for all workers Final Cleaning - Correct Answer-Cleaning that is performed immediately prior to turning the project over to the owner at substantial completion American Institute of Architects AIA A201 General Conditions - Correct Answer-HIGH PAGE COUNT -39 General Provisions * SEPARATE AND SUPPLEMENTAL TO AGREEMENT Owner, Contractor, Architect, Subcontractors Construction by owner or by separate contractors Changes in the work Time Payments and completion Protection or persons and property Insurance and bonds Claims and disputes Engineering Joint Contract Documents Committee EJCDC C- 700 General Conditions - Correct Answer-HIGH PAGE COUNT - 62 Definitions and terminology Preliminary matters Contract documents Availability of lands Bonds and insurance Contractors responsibilities Other work at the site Engineers status during construction Changes on the work; CLAIMS Cost of the work ** SEPARATE ANS SUPPLEMENTAL TO AGREEMENT Consensus Docs 200 GENERAL CONDITIONS - Correct Answer- LOW PAGE COUNT -35, MORE CONCISE Submittal schedule - Correct Answer-Assists the A/E and the contractor in maintaining an even pace for Submittal preparation, submission, and review. * A properly prepared submittal schedule aids the contractor to include all critical submittal items and helps the Preparation and Review activities by controlling the flow of Submittals Actions Submittals - Correct Answer-Submittals requiring responsive action by the A/E Informational Submittals - Correct Answer-Submittals NOT requiring responsive action by the A/E (3) Types of Action/Informational a Submittals listed in Section Format - Correct Answer-1. Product Data 2. Shop Drawings 3. Samples Product Data Submittal (Section Format) - Correct Answer- Includes the manufacturers technical information, illustrations, schedules, diagrams, performance charts, instructions, and brochures that illustrate physical appearance, size, and other characteristics of materials and equipment Shop Drawings Submittal (Section Format) - Correct Answer- Drawings, diagrams, illustrations, and schedules that specifically illustrate some portion of the work in more detail Samples Submittal (Section Format) - Correct Answer-Physical objects that show color, texture, and other appearance characteristics of actual products and materials (11) TYPES OF ACTION/INFORMATIONAL SUBMITTALS REQUIRED BY THE CONTRACT DOCUMENTS - Correct Answer- 1. Certificates 2. Delegates design Submittal/s 3. Test and evaluation reports 4. Manufacturer's instructions 5. Source quality control submittals 6. Coordination drawings 7. Field (or) site QUALITY control submittals 8. Manufacturers Reports 9. Sustainable Design Submittals 10. Special procedures submittals 11. Qualification Statements Closeout submittals - Correct Answer-Submittals that are submitted during the project Closeout that do NOT require responsive action by the A/E but may require A/E to review Types of Closeout Submittals - Correct Answer-1. Maintenance Agreements 2. Operation and Maintenance Data 3. Bonds 4. Warranty documentation 5. Record documentation 6. Sustainable design Closeout documentation 7. Software 8. Keying Maintain Materials Submittals - Correct Answer-Submittals for materials that are specified to be furnished to the owner for maintenance purposes Purpose of A/E's site visits - Correct Answer-1. Ascertain the progress and quality of work 2. Inform the owner of known deviations from the contract documents and defects and deficiencies observed in the work 3. Keep the owner informed of the progress of the work Responsibilities of stakeholders in regards to site visits, observations, and inspections - Correct Answer-* Owner has no contractual responsibilities for site visits under the standardized general conditions IF owner performs site activities, clear lines of responsibility and communication need to be established in the conditions of the contract Responsibilities of the contractor in regards to the site visits, observations, and inspections - Correct Answer-Observer conditions at site affecting work and correlate them with a review of the contract documents and report any observed errors, omissions, and inconsistencies to the A/E Prepare and submit a comprehensive list (initial punch list) of items to be completed or corrected prior to final payment Responsibilities of the A/E in regards to site visits, observations, and inspections - Correct Answer-Inform owner of known deviations from the contract documents and defects and deficiencies observed in the work Keep owner informed of the progress of the work Responsibilities of the Product Representatives in regards to site visits, observations, and inspections - Correct Answer- Complete inspections required for products subject to a warranty Responsibilities of the facility manager in regards to site visits, observations, and inspections - Correct Answer-Become familiar with the location of concealed items, such as piping, conduit, cabling, and structural connections Responsibilities of (AHJ) Authorities having Jurisdiction in regards to site visits, observations, and inspections - Correct Answer-Verify that code and ordinance requirements have been met Conditions that work will be considered defective or nonconforming - Correct Answer-Neither new nor of Good Quality Not free from defects Not conforming to the contract documents The ONLY entity that can accept nonconforming work - Correct Answer-The Owner * The A/E has the authority to reject work that does not conform to the requirements of the contract documents but CANNOT ACCEPT NONCONFORMING WORK (2) Situations where concealed conditions may be uncovered to examine the concealed work - Correct Answer-If work is concealed contrary to written request from A/E or the contract documents, the A/E has the right to request work be uncovered and replaced at contractors expense. Owner suspends the work for a specified period of time What should the A/E do regarding defective work? - Correct Answer-Inform the owner Quality Assurance (QA) related to the construction phase - Correct Answer-Procedures for guarding against construction defects deviations from the contract documents BEFORE and DURING the execution of the work - Includes submittals, certifications, and other actions to ensure that the proposed products and services meet the contract requirements Quality Control (QC) related to the construction phase - Correct Answer-Procedures for evaluating completed activities and elements of the work for conformance with contract requirements - includes testing and inspection or installed work How can Quality Control process be Quality Assurance process for subsequent work? - Correct Answer-QC for one action may become QA for the next step in a process. In each step, the previous QC becomes part of the QA for the next step EX: a slump test for concrete, the test is Quality Control for the concrete in the mixer and Quality Assurance for the same concrete not yet placed in the work. How stakeholders and participants affect quality - Correct Answer-* Owner- must have realistic goals and a reasonable program, budget, project delivery method, and project schedule * A/E- ability to develop the owners requirements into a documented design is critical to defining the quality and basis for evaluation * Contractor- performance and the completed project will be evaluated based on meeting the requirements of the contract documents QA or AC? Concrete compressive strength test of installed concrete - Correct Answer-QC QA or QC? Review of concrete mix submittal - Correct Answer-QA QA or QC Constructing a mock-up of an exterior wall assembly - Correct Answer-QA QA or QC? Waterproofing product representative overseeing subcontractors installation of the product - Correct Answer- QA QA or QC? Special inspector inspecting field welds of structural steel - Correct Answer-QC QA or QC? Proposal Request - Correct Answer-Issued by the owner or the A/E to the contractor to request a proposal for change Change order request - Correct Answer-Issued by the contractor either in response to a proposal request or a change requested by the contractor, and typically includes any cost or time changes (3) Common Payment intervals - Correct Answer-1. Periodic Progress Payments 2. Provisional Payments 3. Single Payment Periodic progress payments - Correct Answer-Payments made at set intervals of time. Monthly payments are common for lost projects Small projects with shorter construction periods or projects using the first track method may have shorter intervals between payments Provisional Payments - Correct Answer-Payments that are predetermined partial amounts of the total contract sum/price tied to the attainment of identifiable milestones Single payment - Correct Answer-Payment made at the completion of the work and are suitable for projects with very short construction periods or have a small contract sum/price Responsibilities of A/E when certifying payment applications - Correct Answer-A/E has observed the work in progress A/E acknowledges the contractor is entitled to payment A/E's certification is based on the knowledge, information, and belief that the work has progressed to the point indicated and the work conforms to the requirements of the contract documents (3) Applications of measurement in determining payment amounts - Correct Answer-Observing the level of completion for each schedule of value items and comparing it to the amount requested by the pay application for that item Predetermined amounts are paid at the attainment of a specified milestone Unit prices applied to the actual installed quantities to determine amount to be paid Schedule of values - Correct Answer-An itemization of the costs of the work apportioned across various divisions of work, which together comprise the total contract sum/price for lump sum or stipulated sum contracts * it is prepared by the contractor according to the contract documents and typically uses the project manual table of contents as the organizational format Obligations of contractor associated with an application and certificate of payment - Correct Answer-Certifies the work covered by the payment application conforms to the requirements of the contract documents Certifies that all the previous amounts have been paid for work for which previous payment applications were issued *Used to compensate the owner for not having beneficial use of the project by the stipulated time. MUST BE REASONABLE ANS DOCUMENTABLE Penalty/Bonus Provisions - Correct Answer-Owner pays contractor a bonus if the project is completed earlier than the contract time Conversely, if the contractor finishes later than the stipulated date, the OWNER MAY INVOKE A PENALTY What is required in order to modify the final contract sum/price for liquidated damages, penalties OR bonuses - Correct Answer-Change Order Processing of the final payment - Correct Answer-* Final payment often requires processing of a final change order to balance previous payments against the final payment and final contract sum/price Included in final change order: Adjustments to unit price item quantities, stipulated allowances Adjustments for liquidated damages or penalty/bonus clauses, reimbursement of utilities, owners expenses for additional A/E services Reimbursement for testing services from owner who paid for only passing tests A claim - Correct Answer-An assertion of a right under the contract * AN UNRESOLVED CLAIM BECOMES A DISPUTE Who can file a claim? - Correct Answer-Contractor against owner By owner against contractor, A/E, OR a third party Reasons an owner files a claim? (owner claims) - Correct Answer-Contractor has damaged owner in some way Contractor has not constructed some portion of the work according to the contract documents Reasons a contractor files a claim? (contractor claims) - Correct Answer-Owner damaged contractor in some way A/E's actions, or lack of timely action, has delayed the work Interpretations or modifications that affect the contract sum/price or contract time for completion of construction Errors, omissions, or lack of coordination of the contract documents Weather delays Reasons for third party claims - Correct Answer-CAN BE MANY REASY * Moat are injury or death to persons and property damage Entitlements - Correct Answer-A right to benefits specified by law or by contract