Superstorm Sandy raises a bunch of questions for many policyholders wondering if they are receiving the insurance benefits they are owed and how to go assert their rights to those benefits. I was asked by United Policyholders Executive Director Amy Bach to speak and answer those questions at a Roadmap to Recovery Workshop next Monday in Bay Head, New Jersey.


Continue Reading Superstorm Sandy Insurance Questions? Roadmap to Recovery Workshops Provide Answers

Last week’s post featured the new smart phone app that helps insureds quickly capture information needed to document their personal property before a loss. This week, I have written about the organization that created the app — The National Association of Insurance Commissioners — and their recent connection with United Policyholders.


Continue Reading Contents Inventory Smart Phone App and Documenting Your Personal Property, Part II

Yesterday, Emmett Pierce of Insure.com reported on a topic that affects policyholders and public adjusters nationwide. In Vanishing Act: Your Home Insurance Coverage Is Disappearing, Amy Bach, the executive director United Policyholders, discussed the nationwide trend of insurance companies offering less and charging more. Steven Venook, the president of Florida’s Advocate Claims Services, provided a perspective of what is happening in the field when claims are adjusted and investigated. Venook explained how higher deductibles and policies rampant with exclusions are affecting claims in Florida.


Continue Reading Insurance Coverage Decreases But Premiums Increase

Last September, a devastating fire roared through Boulder County, Colorado. The 7000 acre blaze devastated the area and many properties were damaged or destroyed. One policyholder recently expressed his frustrations with the insurance claim for his fire damage to reporter Dayle Cedars with 7News in Denver. Although spared from losing his home, Joshua Onysko, has not been made whole. Farmers Insurance Company did issue a payment to Onysko, but the amount was insufficient to fix the property. The homeowner hired licensed public adjuster Scott deLuise, of Matrix Business Consulting, to assist with the claim.


Continue Reading Fourmile Canyon Fire Victims in Colorado Need More Help From Their Insurance Carriers, Part I

United Policyholders recently published portions of Masood Khan’s interview with Amy Bach in its summer newsletter. Chip Merlin wrote about this interview in his post, “Greenspan Public Adjuster Interviewed About Unauthorized Public Adjusting”. Many of the readers posted comments in response to the information provided by Khan about non-public insurance adjusters adjusting losses for the policyholder. In addition to this insightful information, Khan answered a series of several questions about public insurance adjusting.


Continue Reading Masood Khan Explains Specifically Why a Public Adjuster Adds Value to a Policyholder’s Claim

Amy Bach, the Executive Director of United Policyholders recently interviewed public adjuster Masood Khan. In United Policyholders’ summer newsletter, Khan, a vice president of The Greenspan Company Adjusters International, was interviewed regarding a number of important topics. One of the more controversial comments he made will be of concern with accounting firms, consultants and contractors. Masood Khan correctly noted that in most states, those determining, presenting, negotiating and adjusting losses for policyholders without a public adjuster license are illegally practicing public adjusting. In most of the states, it is a crime to do so.


Continue Reading Greenspan Public Adjuster Interviewed About Unauthorized Public Adjusting

United Policyholders has a wonderful website. I strongly encourage others to sign up for its emails and newsletters. For example, United Policyholders sends a monthly "Claims Tips" via email which contains useful tips for policyholders.


Continue Reading Empowering the Insured – United Policyholders Website Provides Claims Handling Tips

As you read this post, consider these life lessons:

You can’t always get what you want
But if you try sometimes, well,
You just might find you get what you need

and

DON QUIXOTE
Hand over that golden helmet!

BARBER
But this is a shaving basin!

DON QUIXOTE
Shaving basin! Know thou not what this really is?
The Golden Helmet of Mambrino!
When worn by one of noble heart, it renders
him invulnerable to all wounds!
(to the Barber whacking the barrel with his sword)
Hand it over!

Thou Golden Helmet of Mambrino,
With so illustrious a past,
Too long hast thou been lost to glory,
Th’art rediscovered now at last!
Golden Helmet of Mambrino
There can be no hat like thee!
Thou and I now, ere I die now,
Will make golden history!

BARBER
(aside to Sancho)
I can hear the cuckoo singing
In the cuckooberry tree…


Continue Reading Life’s Lessons Impact My View on Insurance Law and Policyholder Advocacy: Correcting Friday’s Blog and Giving Credit