Claims Magazine-September 2014

Issue Gallery ›

  • What Every Adjuster Should Know About Fungi/Bacteria Exclusions

    David Dybdahl, CPCU

    In response to an explosion of toxic mold claims at the turn of the century, universal exclusions for mold, fungi and bacteria related losses were introduced faster and on a wider scale than any exclusion in the history of the insurance business. The exclusions for fungi and bacteria are by...

  • New Hampshire Association of Insurance Agents (NHAIA) Donates to Make-A-Wish

    Patricia Harman

    Featured from left to right are: (back row) Chris Worcester (Chairman Elect of NHAIA), Bryan Bernier (Chairman of the Board of Directors of NHAIA), Jim Gallant (Kendall's father), Donna Parker, (Vice-President of Development for the Make-A-Wish Foundation of New Hampshire), Tom Minkler (National Chairman of the Board of the Independent...

  • MetLife awards a quarter million in grants

    Patricia Harman

    The MetLife Foundation awarded 12 grants totaling more than $250,000 to Junior Achievement (JA) operations worldwide with the aim of instituting innovative, entrepreneurial programs to help young people thrive economically. Eight JA operations won the 2014 MetLife Foundation Entrepreneurial Award for successfully implemented programming, and four additional JA operations won...

  • ACETech Conference Looks at Insurance Technology

    Patricia Harman

    On November 18, insurers, vendors and other industry stakeholders will gather at the Westin Times Square in New York City for ACETech, a technology-focused event that will examine everything from data security in the digital age to incorporating new technologies into project management.

  • Editor's Note

    Patricia Harman

    It's no secret that insurance fraud is a multi-billion dollar a year enterprise. The Coalition Against Insurance Fraud estimates that nearly $80 billion in fraudulent insurance claims are made across all lines annually in the U.S., but the number is probably much higher due to unreported or undetected claims.

  • Do texting-while-driving laws work?

    Patricia Harman

    Drivers know not to text and drive, but they still do it. Now there is hard evidence that states with texting bans are saving lives. With more than 7 billion mobile subscriptions worldwide according to the International Telecommunications Union and mobiThinking, that's a lot of texting.

  • Lights, Camera, Crash — The Story of a Staged Crash

    Shawn Harrington, Larry Sicher, William Brem

    A claimant needs some extra cash and decides that insurance fraud is the answer, so he stages a collision or just enhances the damage to his car caused by an actual impact and tries to cash in on the loss. But how can you tell the difference? You get a...

  • Adjuster Licensing and Professionalism — Part 2

    Ken Brownlee, CPCU

    As discussed last month, there is little standardization among the states regarding adjuster licensing. Twenty-nine states require an exam administered by the insurance department to obtain an adjuster's license, and most states that license either staff or independent adjusters require continuing education (CE), usually 12 to 24 credit hours every...

  • Six “Soft Skills” for Today's Adjusters

    Kevin Quinley, CPCU

    What skills do adjusters need for professional success in 2014? Certainly, technical skills are a must. This includes a working knowledge of law, medicine, construction, insurance policy content and interpretation, and subject-matter expertise specific to the claims they handle. Aside from technical skills, though, successful adjusters need soft skills.

  • The Internet of Things: What the heck is a thing?

    John Sarich

    There has been a recent spate of articles in various publications about the Internet of Things or IoT. At first blush, the non-techies eyes glaze over when new and emerging technologies are the topic of conversation. Techies, as we know, have been into the IoT for several years. But to...

  • OceanPoint Insurance and BankNewport Collect Kid-friendly Donations

    Patricia Harman

    Children were the focus of a recent food drive held by employees from BankNewport and OceanPoint Insurance Agency, Inc. They presented donations totaling $1,170 to the Rhode Island Community Food Bank representing funds raised by employees who contributed for the opportunity to dress casually on designated Fridays. They also collected...

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