Hurricane Michael exposes the cozy relationship between Government and Insurance Carriers…
Turn on any device that broadcasts a signal. One of the very first things to be bombarded with is… commercial after commercial, telling us to purchase insurance from this company, or that company, always accompanied by a promise… If you pay us now, we will be there if you ever need us. If you believe […]
Chick-Fil-A vs Popeye’s vs an Insurance Claim…
If you have met me, conversed with me, or have been to any of the 4 workshops, you have heard this very concept, almost verbatim. Know your lane/power. Know the person next to you is not your enemy, regardless of whether they actually are, or aren’t. Which translates to a very simple, yet profound, process. […]
Independent and Staff Adjusters Crossing the Aisle…
More and more, I am seeing adjusters cross the aisle. Whether it be to a better understanding of the insured’s plight when dealing with an insurance claim, or outright changing professions to a Public Insurance Adjuster. I have even witnessed several instances where someone worked as an adjuster, became a Public Insurance Adjuster, then became […]
The Insurance Claim Process is Inherently Adversarial…
When we are inundated with commercial after commercial, billboard, and sporting event about how good insurance companies are, citizens on the whole have no clue, nor want to have a clue, about what insurance companies are doing to their own clients. These deeds were done in broad daylight, to our neighbors, friends and family. Read […]
Business Interruption and COVID 19 – An Unpopular Truth
Probably one of the most unpopular posts I will ever make… Unfortunately, the truth is normally unpopular. An insurance policy is a contract. One that is executed in anticipation of a future loss, thus written “prior” to an event occurring. That being the case, that policy/contract dictates the terms that it will pay out on, […]
Insurance Agents and Insurance Claims
Insurance Agents: They “know” something is up. They also “know” that higher payouts mean lower paychecks, no matter how you slice it. Their willingness to “overlook” many things will have repercussions beyond this place we are in now. If you remember the “before” time, when claims were paid somewhat fairly, the agent had a hand […]
Tornadoes, Hail, Wind… Having Problems with Your Insurance Claim? Free Claim Review
“The adversarial process begins as soon as a claim is filed and ends only when the resolution of the claim is finally determined and accepted by the parties.” Understand the one truth even the Supreme Court out of Texas has brazenly added it to their opinion in: BARBARA TECHNOLOGIES CORPORATION, PETITIONER,v.STATE FARM LLOYDS, RESPONDENT Found […]
Insurance Claims Process Explained… Yes, it is that complex.
Probably the single most important thing to understand, is that the insurance adjuster works for the home insurance company ONLY. Not you, the insured. There are only three entities that can do that on an insurance claim. A licensed Attorney or licensed Public Insurance Adjuster, or You, the #insured. I do not suggest you represent […]
Credit to Randy Hobson, owner of DenTrust USA. If you think it is bad on auto… residential homes step it up a notch, and commercial goes even further. They are no longer managing “your” risk, they are managing “theirs”. If your home, church, or commercial property has sustained a covered insurance loss, and you […]
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