New Jersey public adjusters face an Insurance Commission that will closely look for every “T” to be crossed and “I” to be dotted when it comes to analyzing a public adjuster contract. The Insurance Commission has fined public adjusters hundreds of thousands of dollars for very “picky” issues. For any public adjusters doing business in New Jersey, be sure to follow the spirit and fine lines of the law.  

Continue Reading New Jersey Public Adjuster Contract Terms Are Important—A Certain Topic of Conversation at the November 15th PPAANJ Conference

Mark on your calendar: October 24, 2023, at 2:45 pm CST. This is when the three insurance company trade organizations said something favorable about public insurance adjusters in an Amicus Brief1 filed by Steve Badger on behalf of the American Property Casualty Insurance Association, National Association of Mutual Insurance Companies, and Insurance Council of Texas. 

Continue Reading An Unprecedented Move: The Insurance Industry Speaks Positively About Public Insurance Adjusters

Last night, the Florida Association of Public Insurance Adjusters (FAPIA) threw a costume party that was a hit! My partner, the stunning Donice Krueger, and I dressed up as Doug and Limu the Emu from Liberty Mutual’s commercials. Speaking of Liberty Mutual, let’s segue into something a bit more serious—a recent case where the insurer found out the hard way that RICO claims aren’t a walk in the park.1

Continue Reading Liberty, Liberty, Li-ber-ty

The Florida Association of Public Insurance Adjusters (FAPIA) recently celebrated its 30th Anniversary with a splendid gala. The event honored several prominent policyholder advocates, including Amy Bach from United Policyholders, Doug Quinn of the American Policyholders Association, and Tasha Carter, the appointed Florida Insurance Consumer Advocate. The dinner was a smashing success, completely sold out, and so high in demand that some hopeful attendees were turned away at the red carpet entrance.

Continue Reading Public Adjuster Spotlight—Nancy Dominguez

The concept of actual cash value in relation to indemnity is an important study for anybody analyzing what is owed under a property insurance policy. This post follows yesterday’s discussion about the Indiana Supreme Court case,1 noted in What Does Indemnity Mean in the Context of Actual Cash Value? The Indiana Supreme Court ruled that Indiana would adopt the broad evidence rule to determine actual cash value. It stated that replacement cost less depreciation could be considered.

Continue Reading Actual Cash Value and Indemnity

What does it mean when we say that a property insurance policy is a contract of indemnity? This phrase was often mentioned when older cases analyzed the term “actual cash value.” The concept seems to get lost with the marketing of replacement cost policies. My impression is that we have allowed “actual cash value” to be valued less today because modern insurance practitioners do not understand the term indemnity.

Continue Reading What Does Indemnity Mean in the Context of Actual Cash Value?

A Colorado public adjuster asked me a question about replacement cost coverage. The question had to do with a remodeling of the structure rather than spending money only on damaged items.   

Continue Reading Can a Policyholder Use Replacement Cost Benefits to Remodel or Replace at Another Location? What is the Standard to Collect Replacement Cost Benefits? The Three Prong Limitation

Dmitry Lipinskiy is a roofing business educator with an emphasis on marketing. His Roofing Insights YouTube Channel appears very well presented and has a lot of content, and some of it is very controversial because Dmitry is not afraid to state his opinion publicly. I do not spend much time on social media, and I stumbled across his website while researching insurance fraud by insurance adjusters.   

Continue Reading Roofing Educator Dmitry Lipinskiy Calling For Integrity In The Roofing Business

In my meetings and times with Scott and Jan deLuise, it’s clear that they make quite the dynamic duo. While Jan tends to stay more in the background, Scott consistently uses the pronoun “we” when discussing his life and business ventures. Having had the opportunity to speak with Jan separately over the years, I understand why Scott emphasizes this collective “we.” In fact, I believe that many of us, including myself and my fellow colleagues, could benefit from adopting this inclusive mindset.

Continue Reading Scott deLuise—Public Adjuster Spotlight