The above picture was taken by “One T” while I was presenting my speech on “Would You Hire You?” I was congratulating him for becoming an excellent insurance educator for public adjusters. He humbly seemed surprised that I would single him out. 

Continue Reading Mathew “One T” Mulholland Does a Great Job Educating Georgia Public Adjusters on Georgia’s Efficient Proximate Cause Doctrine and How It Applies to the Wear and Tear Exclusion 

Late filed proofs of loss are treated differently by state and federal law. Some are draconian, where a proof of loss filed one day late may void coverage, as noted in Attention Public Adjusters: Urgent Reminder on Upcoming Deadline for National Flood Proofs of Loss. Some states require the insurer to prove prejudice as noted in Late Filed Proof of Loss – Does Delay Result in Denial? 

Continue Reading Will a Late Filed Proof of Loss Void Coverage? What About a Late Filed Proof of Loss in Georgia?

If Donald Trump can give out nicknames like candy on Halloween, then I officially declare Mathew Mulholland as “One T”! Now, for a dose of humor and knowledge combined, the Georgia Association of Public Insurance Adjusters (GAPIA) is hosting a seminar next Tuesday in Atlanta. And guess what? The star of the show, our very own “One T,” will be dissecting that oh-so-popular wear and tear exclusion. Bring your magnifying glasses, folks; it’s gonna be a detailed, can not miss conference.

Continue Reading One T Analyzes the Wear and Tear Exclusion at the GAPIA Meeting Next Tuesday

In the wake of Hurricane Idalia homeowners who have never filed a claim with their insurance carriers will be treading new ground. We have experience working with insurance carriers, and unfortunately, the carriers sometimes do not perform as they are required by the company’s own contract and Georgia Law. We are experts in this area of law and have attorneys ready to help you with any questions, concerns, and guidance through the process.

Continue Reading Following Idalia: How to report Delayed, Denied, and Unfair Treatment by Your Insurance Company in Georgia

Public adjusters need to double-check their licensing paperwork. That was my thought while reading an Order temporarily suspending many public adjusters from any public adjusting activities because the Georgia Department of Insurance claims that its paperwork does not reflect an approved contract. There are a lot of public adjusters named in the Order, including past Presidents of the Georgia Association of Public Insurance Adjusters (GAPIA) and one Past President of the National Association of Public Insurance Adjusters.

Continue Reading Georgia Insurance Commissioner Effectively Suspends Most Georgia Public Adjusting Activity—And Then Admits A Mistake Doing So! 

Examinations under oath are important to recovery. Reasonable production of relevant documents that are part of a cooperative investigation is important as well. Failure to provide an examination under oath and documents is a one-way street to help an insurer deny recovery.
Continue Reading Failure to Provide an Examination Under Oath and Documents Can Result in Lost Benefits

Significant losses make it difficult to quantify the amount of damage recoverable for personal property. Property insurance adjusters will sometimes find all the personal property was consumed in the fire. There is very little left over to view. Refreshing the policyholder’s mind with the types, amounts, and condition of personal property consumed in a major fire takes patience, time, and a great deal of expertise for the property insurance adjuster to evaluate the amount owed under the policy.
Continue Reading Personal Property Valuation In Georgia Following A Fire

A recent legal skirmish under a builders risk policy contains significant discussion about Georgia law allowing insurance companies to shorten the time to file a lawsuit. The trial court Order1 not dismissing the lawsuit despite a one-year limitation, and the brief of the policyholder are attached because they are worthy of study if you find yourself in a Georgia situation where the insurer is relying upon a statute of limitation defense.
Continue Reading Georgia Allows Property Insurers to Shorten Statute of Limitations But There Are Exceptions

Whether it is referred to as a “fraudulent insurance act” or just plain “insurance fraud,” each state prohibits certain acts or omissions that it considers fraudulent. In Georgia, the legislature has enacted Ga. Code § 33-1-16, which defines what it considers to be a “fraudulent insurance act.” In addition, Ga. Code § 33-1-16 imposes varying degrees of reporting requirements on those who have knowledge of a fraudulent insurance act being committed
Continue Reading Reporting Fraudulent Insurance Acts in Georgia: Is There a Requirement to Report?