Professional Public Adjusters Association of New Jersey

United Policyholders takes action and gets things done for policyholders regarding the insurance gap issue. United Policyholders is tackling the insurance gap coverage problem by providing staff and resources to collect rogue property insurance policy forms being issued by insurance companies, to show examples of how insurers are stepping over each other to silently gain a competitive advantage of lower price with cheap insurance.
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Professor Alan Manning

Insurance protection gaps can be caused by many different things. One is when insurance agents suggest that a policyholder can save money by purchasing insurance to less than full value. Professor Jay Feinman warns about this and calls this the “underinsurance gap.” He defines this as occurring when “the policyholder has coverage, but in an amount that is less than the extent of actual or potential losses.”
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Water loss claim denials happen a lot more frequently than when I started in the business over 30 years ago. There are many reasons for this, including companies changing their policies so that while they advertise the illusion of policyholders having the peace of mind, that is far from the reality of what is sold. I noted this frustration felt by many policyholders—and not just State Farm’s—in, Is the State Farm Policy Really Worth Anything.
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Hurricane Florence 9/12/2018

Last week, I had the pleasure of presenting at the Spring Meeting & Seminar of the Professional Public Adjusters Association of New Jersey (“PPAANJ”). One of the more thoroughly discussed topics during my presentation was a recent New Jersey federal court decision involving insurance policy language commonly known as an anti-concurrent/anti-sequential causation clause.1 The clause bars coverage when two identifiable causes-one covered and one not covered-contribute to a single loss.2
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Please join the Professional Public Adjusters Association of New Jersey (PPAANJ) at its Fall Meeting on November 15, 2017, at the Molly Pitcher Inn in Red Bank, New Jersey. Continuing Education credits will be provided for New Jersey, New York & Pennsylvania.

PPAANJ is pleased to announce that Mr. Joseph A. McDougal, Manager Licensing and Insurance Education, Consumer Protection Services, New Jersey Department of Banking and Insurance, will be a special guest speaker. Mr. McDougal will discuss continuing education for New Jersey public insurance adjusters and be open to questions from the membership. Don’t miss this opportunity to meet Mr. McDougal and discuss our continuing education requirements.
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