As I have adjusted property insurance claims over time, there is a list of statements, assertions and positions, that I repeatedly hear and see from insurance companies, their consultants and experts; that leave me flabbergasted every time I encounter them. It seems no matter how many times insurance companies and their consultants have made these statements, or taken these positions against clients of this firm, and ultimately been proven to be completely afield from reality; […]

As we roll into 2015, I wanted to take a minute to recap 2014 in Colorado. The hail season in Colorado for 2014 was a wild ride, to say the least. Typically, in the Denver Metro area we expect to see possibly a handful of storms that produce damaging hail in populated areas, with several others falling in rural or sparsely populated areas. 2014 had other ideas to keep insurance companies, contractors, public adjusters and […]

Today’s blog post is about what the Impact Claim Services team has deemed “The Rule of 99”. After years of experience in handling Insurance claims, this is our interpretation of what the insurance industries business model has become in regards to the handling and paying claims. Many years ago when you filed an insurance claim a trained adjuster from your insurance company came out, inspected the damaged, acknowledged the damage and said, “Mr. and Mrs. […]

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 […]