NBC announced that it will launch a new sitcom about insurance. A primetime show about insurance could be everything but thrilling, however to get ratings, the network was smart. It cast Vanessa Hudgens, a likeable actress with a list of strong successes in her short career, and added a new element. The show that will tell the stories of the regular folks living in the land comic superheroes who are tasked with the cleanup after the superheroes avert a series of world-ending crisis. The name Powerless comes from the fact that Hudgens and her colleagues are regular people who do not have the superpowers of Captain America or Wonder Woman, and is labeled as a workplace comedy.

Continue Reading The “Powerless” Sitcom: A Show about Insurance Adjusting with a DC Comic Emphasis

Many homeowners who experience a loss for the first time and are not familiar with the insurance claim process contact their insurance agent before anyone else. While the homeowner may instinctively report the claim to the insurance agent because he is the first person to come to mind or there is a relationship built over the years, it is important for homeowners to know that agents are not responsible for handling your claim. Insurance agents sell the policy, and other than helping procure the insurance requested, they generally have no other duty. An insurance agent who receives a call from a homeowner reporting a claim should refer the homeowner to the claims department.

Continue Reading Homeowners: Know the Difference between an Insurance Agent and an Insurance Adjuster

When a policyholder files an insurance claim for property damage, most have two expectations:

  1. My insurance will delivery and I will be able to return my property back to its condition before the disaster.
  2. My insurance company will assign a person to help me who has the experience, time, and ability to make No. 1 a reality.

If you reading this blog, then chances are your insurance company failed to live up to your expectations. In a recent article in Claims Journal, reporter Denise Johnson gives some insight into what insurance company adjusters are doing instead of responding to your problems. The data from her article comes from the Claims Journal 2013 Job & Salary Survey.1

Continue Reading The Adjuster Caseload Conundrum – Is that Insurance Adjuster Ignoring You?

I am writing this blog in terminal C at Salt Lake City International Airport after spending two days in conference with my Merlin Law Group colleagues and one of the foremost insurance experts in the nation. This eye opening seminar confirmed that many in the insurance industry are not good neighbors, they are not there to help, and now exist solely for profit. Hurricane Sandy has given New Jersey an education in property insurance claims handling. Many are learning what those in Florida, Texas, and other storm prone states have known for decades.

Continue Reading Insurance Adjuster Licensing in New Jersey

Myths and rumors in the property adjusting community are puzzling to me. As the current President of the Windstorm Insurance Network®, I was copied on an internet post that wrongly indicated that the Windstorm Insurance Conference® had attendance by public insurance adjusters that outnumbered the attendance of insurance adjusters by a four to one margin. The statement was ignorant and completely wrong.

Continue Reading Windstorm Insurance Network® Dominated by Independent and Company Adjusters

Usually, I write about cases involving public adjusters, but here is an interesting case where the insurance company’s adjuster helped the insureds.

Recently, a frequent allegation raised by the insurance companies seems to be “too little…too late.” Insurance policies typically include a condition that requires losses to be promptly reported.

Jeremy Tyler and Shaun Marker have addressed late reporting and late notice issues in great detail in their posts about hurricane losses. This week, I came across a case where the insureds were successful in overcoming the late notice/late discovery defense raised in a water damage claim in Pennsylvania. After reading the case, I reached out to some of the public adjusters in Pennsylvania and I learned a little more.

Continue Reading Insureds in Pennsylvania Win the Late Notice Battle but Bad Faith is Denied.

Scott Johnson is an excellent leader for the Florida Association of Insurance Agents (FAIA). His father was President of the FAIA for 37 years. Scott Johnson has a keen and unique perspective on insurance in Florida. His views regarding the insurance landscape should be considered and not dismissed without analysis, even by those in strong disagreement.

Continue Reading Insurance Agents Should Not Adjust Claims and Public Adjusters are Not Insurance Agents — But They Need to Listen to One Another

Career insurance adjusters are important to society. The adjuster’s job is difficult because it requires the ability to work well with other people, knowledge, and technical skills. It is a trade where experience can teach much more than any book or course. Most well meaning and experienced insurance claim adjusters get their customers’ claims paid without hassle and in a spirit of cooperation–sometimes well beyond the actual policy terms and conditions.

Continue Reading Ethical Insurance Adjusters and Attorneys