When a puff-back in the chimney of the home of a Rhode Island manufacturingcompany's CEO caused extensive damage throughout his family'selegant 7,200-square-foot Colonial home, his claims adjuster faceda complex case: The smoke damage to the decorative painting on theliving room walls would require careful restoration, while thecleaning of a collection of 19th century books would call for anentirely different expert.

The entire repair would take several weeks to complete, andwhile the home may have been technically “habitable,” it would notbe appropriate for the CEO's 7-year-old son, who suffers fromasthma. Finding appropriate and comparable alternativeaccommodations would become one of the greatest challenges for theadjuster in this case.

Providing expert claims service to the high-net-worth niche canbe difficult. Few circumstances can be as daunting as helpingwealthy Americans maintain their expected quality of living after aloss.

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