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.
Continue Reading Crazy New Policy Language? Report It To United Policyholders!

Homeowners insurance policies ordinarily exclude losses caused by water or sewage which backs up through sewers or drains. Does it follow that all water or sewage that infiltrates a home through sewers or drains constitutes excluded back up?
Continue Reading Is All Damage Caused By Sewage or Water Infiltration Excluded By My Homeowners Insurance Policy?

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.”
Continue Reading Beware of Insurance Agents Advising To Underinsure

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.
Continue Reading Water Loss Claim Denied? Don’t Take “No” For An Answer

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
Continue Reading Anti-Concurrent Clause Enforced Where Loss Was Caused By Covered and Non-Covered Perils

The Professional Public Adjusters Association (PPAANJ) recently held its Fall general meeting on November 15, 2017, at the Molly Pitcher Inn in Red Bank, New Jersey. As Always, the meeting was a great success and was well received by all in attendance.
Continue Reading Save the Date – Professional Public Adjusters Association of New Jersey Spring Meeting – May 16, 2018!

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.
Continue Reading REMINDER – Professional Public Adjusters Association of New Jersey Meeting November 15, 2017!

Professional Public Adjusters Association of New Jersey

The Professional Public Adjusters Association (PPAANJ) held its Spring meeting on May 11, 2017, at the Molly Pitcher Inn in Red Bank, New Jersey. Chip Merlin recently wrote about the meeting and its highlights. In addition to the great speakers, the association elected two new trustees.
Continue Reading Professional Public Adjusters Association of New Jersey Elects New Trustees

Jay Feinman

Rutgers insurance law professor, Jay Feinman, provided an informative presentation to sixty attendees of the Professional Public Adjuster Association of New Jersey (PPAANJ) yesterday. Feinbaum has been mentioned in several Merlin Law Group blogs:
Continue Reading Insurance Law Professor Jay Feinman Presents at the Professional Public Adjuster Association of New Jersey

Professional Public Adjusters Association of New Jersey

The Professional Public Adjusters Association (PPAANJ) held its first general meeting on November 3, 2016 at the Molly Pitcher Inn in Red Bank, New Jersey. The meeting was a great success and was well received by all in attendance.


Continue Reading Save the Date – Professional Public Adjusters Association of New Jersey Spring Meeting – May 11, 2017!