One of the most common hurdles encountered in property insurance claims, is the pursuit of arriving at an agreed scope of damages, and the costs associated with the necessary repairs or replacement of damage property. When policyholders and insurance companies disagree on the cost of repairing or replacing damaged property, it is incredibly frustrating for policyholder. Often time’s policyholders feel they have no choice but to settle for the amount offered by the insurance company. […]

Most all Association Managers have experienced an insurance claim filed by their clients. No doubt in many cases this translated to additional responsibilities to these managers in an attempt to settle these claims on behalf of their clients. Which I presume resulted in varying degrees of success and stress in the process. There are several reasons why an association manager is wise not to represent or attempt to adjust, settle or negotiate a client’s insurance […]

Throughout my years in the insurance restoration business and as a public insurance adjuster there’s been one claims handling tactic utilized for insurance companies that I’ve always been very impress by. This subtle and effective tactic has been used to instill a sense of trust, confidence and ease to insured’s minds while saving insurance companies countless millions of dollars in claim payments. What is the tactic, reverse psychology? Fear? Threats? No much more effective, the […]

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 […]

Early in 2014, Impact Claim Services was asked to contribute to Common Interest Magazine, a Publication by Community Association Institute, which is widely regarded as the foremost leading trade association in the Association Management Industry. We were asked to share some insight in the field of Public Insurance Adjusting and its impact in the Association Management Industry. Though the article was published in March 2013, it still provides valuable information to Association Management Professionals 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 Licensed Public Adjuster and […]