How to Create Unethical Claims Practices? Set Wrong Goals and Fail to Monitor...
This answers the question posed by yesterday's post, Fifty Percent Chance Insurer Will Fight its Policyholder – Why?1 How many insurance companies have goals to "fully" or "as quickly as possible pay...
View ArticleWhy Does the Insurance Industry Consider its Customers Crooks?
Five years ago, I noted in a post, Are Insurance Fraud Statistics Fraudulent?, that some insurance companies seemed to have declared war on their own customers by calling them cheats and frauds: A more...
View ArticleJeff Atwater Upholds Promise to Policyholders
When politicians uphold their promises, we should applaud them. Florida's Chief Financial Officer Jeff Atwater was noted in my post last week, Public Adjuster Arrest, Umpire Ethics, and Good Faith...
View ArticleHappy Memorial Day From Merlin Law Group
Merlin Law Group would like to wish you a happy Memorial Day.
View ArticleIs Steve Badger's View of Hail Damage Claims Fair and Balanced?
Steve Badger gets the 2014 Insurance Defense Attorney Macho Man Award. His works, What The Hail Is Going On In Texas?,1 and The Emerging Hail Risk: What The Hail Is Going On?,2 have envious insurance...
View ArticleAdjusting Hailstorm Damage Insurance Claims from Photographs
Insurance adjusters are taught to investigate coverage and evaluate damage. Good faith performance requires that this be done in a prompt, thorough, and honest manner. Most adjusters are taught to...
View ArticleSlow, Late, and Delayed Replacement or Repair--A Case That Helps Policyholders
Slow, delayed and late replacement and repair is the usual normal state of affairs after major catastrophes. In New Jersey and New York, slow and bogged down restoration and repair is the worst I have...
View ArticleLou Gehrig and Fireworks
I am celebrating July 4 on the Toms River in New Jersey. I am still working on Superstorm Sandy claims and litigating lawsuits in New York and New Jersey. This is a big day.I am also a New York Yankee...
View ArticleRocco Calaci - Is Rocco the Best Meteorologist?
Insurance companies and their attorneys bet they can beat me for a living – they are professional litigators and have a frequent motive to deny or underpay claims. My firm and I are in their way from...
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David Charles, Good Guys, and Memories from Katrina
David Charles contacted me to help him and others regarding Superstorm Sandy flood damages. He is a veteran of many storms. He has been a catastrophe adjuster for over thirty years. There are some old...
View ArticleHurricane Katrina Insurance Claims Perspectives on September 5, 2005
Here are some highlights from David Charles’ Hurricane Katrina Blog regarding his views on September 5, 2005: People who do this for a living network heavily. That's a nice way of saying they gossip...
View ArticleHurricane Katrina Claims Perspectives from September 6, 2005
David Charles' claims perspective highlights from September 6, 2005: The drive from my hotel to Gulfport is 135 miles, one way... Today it took 3 and a half hours each way. . . . . So, it's going to be...
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Hurricane Katrina Claims Perspectives from September 9, 2005
Here are some highlights from David Charles' blog regarding Hurricane Katrina: I was on Highway 90 in Gulfport, Mississippi today. It was a beautiful four lane road, running parallel to the coast,...
View ArticlePolicyholders Can Fully Collect Under a Flood Policy and a Wind Policy at the...
Intelligent policyholders are not sticking around when their house is being destroyed documenting how much damage was caused by wind and then the flood that accompanies most of these catastrophic...
View ArticleNational Flood Claims Do Not Get Paid Properly Because the Only Incentive is...
National flood claims are having all kinds of problems in New Jersey and New York at an unprecedented level. What is causing this? The answer is obvious – the Write Your Own Carriers (WYO) and...
View ArticleWildfire and Smoke Claims - A Case Burning With Issues That Public Adjusters...
Wildfire cases are unique and have many evidentiary issues. Public adjusters have been making claims for damage by fire, heat, and especially smoke. State Farm and its able trial counsel successfully...
View ArticleVetting Fire and Smoke Experts - Falcon v. State Farm Lloyds Case Study
As promised yesterday in Wildfire and Smoke Claims - A Case Burning With Issues That Public Adjusters Should Study, today’s post will be the first study from the recent decision in Falcon v. State Farm...
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Zippering Roofs and Shingles During Windstorms
Luis Esteves of Adjusters International forwarded this photograph depicting a "zippering roof" during a windstorm: Luis wrote: . . . We have heard for years from the carrier’s that zippering is always...
View ArticleCitizens Insurance Defense Attorneys Face Criminal and Florida Bar Charges
Many insurance defense attorneys buy watches that run fast – but Citizens insurance defense attorneys have Daytona Rolexes that run as fast as the cars at the Daytona 500. My perception is supported by...
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