It is a very good point and one which I have argued for many many times. The OSHA guidelines require a worker to not be within 6’ I believe and therefore it is necessary to d&r at an Xactimate price of about $350. I understand that the field solution is a blanket many times but if OSHA is adhered to, and it should be adhered to, the only solution is d&r, to my knowledge.
As a PA I am always successful at getting these types of items included in the scope with very little push back. I am very aware that adjusters rarely include this when dealing with a contractor and I am not really surprised, as most contractors do not actually do these things. However just because a contractor takes a safety shortcut on his own decision is different than being forced to in order to be profitable. Just like the addition of harness fees or safety gear, this is an item the insurance companies can get away with not paying. The byproduct of this is that they have created a market where a contractor who pays workers comp and adheres to OSHA is priced out of the market.
Grasso Public Adjusters
TX / OK / NJ