In today’s claims adjusting environment it is not uncommon for an insurance adjuster to request, and often times demand, that an insured obtain multiple estimates from contractors for their required restoration. While many of you may be saying, “makes sense to me”, I’m going to shine some light on how this practice translates in most situations to the underpaying of claims. The practice of utilizing bids from contractors to underpay claims is actually quite effective, and majorly […]

The Colorado Legislature is currently considering Senate Bill 12-038, a bill advertised as a consumer protection initiative against unscrupulous roofing contractors in Colorado. Sounds good right? Here is the problem, the bill was written by the insurance industry’s lobby! This cleverly worded bill gives incredible power to an insurance adjuster, and empowers him/her with ability to control the scope of work, and manipulate the loss evaluation process. Derek O’Driscoll, a Colorado Licensed Public Adjuster and […]

The Colorado Legislature is currently considering Senate Bill 12-038, a bill advertised as a consumer protection initiative against unscrupulous roofing contractors in Colorado. Sounds good right? Here is the problem, the bill was written by the insurance industry’s lobby! This cleverly worded bill gives incredible power to an insurance adjuster, and empowers him/her with ability to control the scope of work, and manipulate the loss evaluation process. Derek O’Driscoll, a Colorado Public Adjuster and President […]