Podcasts about adjusters

Send us Fan MailYvonne and Rafael sit down with Dave Chmiel, Chief Claims Officer at Hub International. Together, they engage in a great conversation about the broker's perspective on workers' compensation.Episode Highlights☕ The Core Message: Listening Changes Everything (00:02:38)From day one in the brokerage world, Dave was taught to listen, to understand what economic buyers (CEOs, CFOs) actually care about. That skill transcends the boardroom. When you truly listen, you access perspectives you'd otherwise miss. In workers' comp, where we're managing human situations, that's everything.

A cat jumps on the stove to get leftovers, accidentally turns a burner, and starts a kitchen fire. The homeowner has heard of an exclusion that applies to damage caused by animals owned or kept by an insured, and is concerned that the fire will not be covered. Exactly how mad should the homeowner be with their cat? (And how long can they stay mad at that face?) Notable Timestamps [ 00:00 ] - A kitchen fire caused by a pet can initially alarm insureds who may believe the animal exclusion automatically bars coverage for any damage involving their cat or dog. [ 00:53 ] - The discussion highlights how insureds may hesitate to disclose that a pet caused the loss because they fear the claim will be denied under the policy language. [ 03:39 ] - Investigating unusual fire losses often requires origin-and-cause experts, especially when evidence suggests a stove burner was turned on without any appliance malfunction. [ 05:07 ] - The key distinction is that animal-caused property damage itself may be excluded, while the resulting fire can still qualify as a covered peril under the policy. [ 05:50 ] - Claims involving uncommon exclusions remind adjusters to carefully read the actual policy wording instead of relying on assumptions about what is or is not covered. [ 06:12 ] - Ordinary pet damage like chewing, scratching, or staining is different from a sudden accidental event such as a kitchen fire. [ 07:24 ] - Adjusters generally approach claims by looking for coverage where it exists. [ 08:45 ] - Animal exclusions are often intended to address ongoing maintenance-type damage rather than fortuitous accidental losses. [ 10:10 ] - While some courts have interpreted animal exclusions broadly, the cited cases involved extreme situations with dozens of pets causing extensive property damage. [ 11:54 ] - Maintaining good communication and rapport with insureds can help overcome misconceptions about coverage and encourage honest discussion during the investigation. Your PLRB Resources Birds, Vermin, Rodents, or Insects; Animals Owned or Kept (HO133) https://members.plrb.org/documents/birds-vermin-rodents-or-insects-animals-owned-or-kept-ho133 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

I chat with Natalie Arroyave, Host of Adjuster Hour & Director of Corporate Engagement at RISE and we chat about our podcasts, her career, claims, RISE, and much more. Such a fun conversation between two people who are passionate about insurance, from very different backgrounds!Natalie Arroyave: https://www.linkedin.com/in/nataliearroyave/Adjuster Hour: https://www.youtube.com/playlist?list=PLavr4C_rE5tsyuWedurJsQ-sDLRVGzg68

Wildfire claims are emotional, public, and inconsistent across carriers, so adjusters often become the face of "no." Using a real fire example, we'll explore empathy, advance payments, uneven guidance, social media comparisons, and follow-through as tools to protect our reputation. Notable Timestamps [ 00:09 ] - Wildfire claims can be highly emotional and public, and adjusters often become the visible representative of difficult coverage decisions. [ 01:28 ] - PLRB recognizes Outstanding Claims Professionals not only for technical skill, but also for restoring lives and setting standards in customer service. [ 03:03 ] - Social media, neighborhood groups, and AI tools now shape insured expectations, creating more questions and adding complexity for adjusters. [ 05:16 ] - Policyholders often see claim differences as inconsistency where it may simply represent variation in policies, property details, and carrier practices. [ 06:54 ] - Adjusters build trust by explaining policies in everyday language instead of relying on technical wording or policy jargon. [ 09:29 ] - Starting conversations with what can be done, rather than limitations, helps reduce tension and discourages adversarial reactions. [ 10:28 ] - Advance payments and early support for housing and immediate needs can ease stress and strengthen the insured-adjuster relationship. [ 14:58 ] - Consistent communication matters; policyholders often prefer hearing "I don't have an answer yet" over silence or missed follow-ups. [ 16:48 ] - Listening for recurring concerns allows adjusters to anticipate needs, act proactively, and create more confidence in the claims process. Your PLRB Resources CE Course: Investigating and Resolving Different Types of Wildfire Losses https://members.plrb.org/education/courses/investigating-and-resolving-different-types-of-wildfire-losses Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

John Highley breaks down what really matters in the first two weeks after a hail storm—and why that window can make or break your entire season. This is real, in-the-trenches insight from a shop running at full capacity, dealing with overflow storage, long-distance pickups, insurance delays, and nonstop inbound demand. If you're a dent tech or shop owner, this episode is about creating momentum early, staying ahead of chaos, and maximizing every opportunity when the storm hits.

John Highley breaks down what it actually looks like inside a PDR shop once the hail hits. This episode is straight shop talk—insurance delays, adjuster issues, storage strategy, approvals, and how to keep jobs moving when everything is backed up and chaotic. If you've worked a storm, you already know… this is where the real game starts.

Join host Eric Oberembt and special guest Douglas Quinn on this revealing episode of the Be Authentic or GTFO Podcast, titled "How to Uncover Claims Adjuster Tactics." Dive into the intricacies of the insurance industry as Eric and Douglas expose the strategies used by claims adjusters to manipulate and devalue claims.In this episode, you'll gain critical insights into the hidden tactics of insurance adjusters, learn how to identify fraudulent activities, and discover effective methods to protect yourself from being shortchanged. Douglas shares his extensive experience and expert knowledge to empower you with the tools needed to navigate the complex world of insurance claims.Whether you're a policyholder, a professional in the industry, or simply interested in understanding the inner workings of insurance claims, this episode provides essential information to safeguard your interests and ensure fair treatment. Tune in to learn how to uncover the tactics of claims adjusters and take control of your insurance claims process. Don't miss this chance to hear from industry experts and protect your financial future.#beauthenticorgtfo #claimsadjuster #insurancefraudListen to this episode on other podcast platforms:Spotify: https://tinyurl.com/BeAuthenticSpotifyGoogle Podcast: https://tinyurl.com/BeAuthenticGooglePodcastApple Podcast: https://tinyurl.com/BeAuthenticApplePodcastAmazon Music: https://tinyurl.com/BeAuthenticAmazonMusicConnect with "Be Authentic or GTFO" on social media:Facebook: https://www.facebook.com/beauthenticorGTFOInstagram: https://www.instagram.com/beauthenticorGTFOWebsite: https://beauthenticorgtfo.comFollow Podcast Host Eric Oberembt on social media:Facebook: https://www.facebook.com/ericoberembtInstagram: https://www.instagram.com/ericoberembt

This week, Meghan and Jen are joined by Susan Quagliato, Vice President Regional Claims at Sedgwick 

With spring storm season in full swing, adjusters handling hail and wind damage claims involving asphalt shingle roofs need ways to make the process easier. In this episode of The Savvy Adjuster Podcast, Alpine Intel Executive Vice President of Innovation Chris Scallion joins Sales Operations Manager Chris Nichols to discuss Donan On Demand, a new solution designed to streamline roof damage claims through faster assessments and engineer-backed reporting. Discussed in This Episode  Challenges adjusters face with hail and wind roof damage claims The inspiration behind Donan On Demand and how it addresses these concerns How desk reviews provide actionable, engineer-stamped reports Examples of integrating Donan On Demand into the claims process The role of technology in supporting, and not replacing, licensed engineering expertise Learn More About Donan On Demand: https://bit.ly/4egSBcp Additional Resources Alpine Intel Resource Page: https://bit.ly/4ec1x2R Donan Engineering: https://bit.ly/4eMyCCz Additional Shingle Roofing Resources: Article: Wind and Other Damage to Shingle Roofs: https://bit.ly/3OzKFJ0 Article: Identifying Hail Damage to Asphalt Shingle Roofs: https://bit.ly/4vXbaZp eBook: Residential Roofing Fundamentals for Adjusters: https://bit.ly/4mUyBP0 Video: Donan On Demand Teaser: https://bit.ly/4cEdDAv

A major storm hits the city. Sarah's bakery suffers roof damage, water leakage, and equipment loss. Sarah has heard lots of insurance job titles thrown around: policyholder, agent, broker, adjuster, underwriter, actuary-- who are all these people? In this preview of the PACE program's core on-boarding course, we'll explore the basics of the different roles in the insurance industry. Notable Timestamps [ 00:00 ] - The episode opens with a storm-damage scenario at Sara's bakery, setting up a practical lens for understanding insurance roles and how multiple professionals intersect during a single claim event. [ 00:59 ] - The lighthearted "Dec Page" segment underscores how real-world disruptions—like severe Midwest storms affecting travel—mirror the unpredictability that drives many insurance claims. [ 04:42 ] - The PACE program is practical and scenario-driven, aiming to demystify industry jargon and help both newcomers and experienced professionals apply concepts across claims and underwriting contexts. [ 06:25 ] - The "insurer" is the insurance company, while the "insured" is the policyholder. [ 08:02 ] - Insurance roles are tied to broader processes, including application, underwriting, claims handling, and premium rating, reinforcing that each role fits into a larger operational lifecycle. [ 10:11 ] - Agents typically represent the insurer (sometimes as captive or independent), while brokers represent the policyholder, helping match complex risks with appropriate carriers. [ 12:13 ] - Agents and brokers often remain involved beyond policy purchase, serving as trusted first contacts when a loss occurs and guiding policyholders through the claims process. [ 14:08 ] - Adjusters and claims professionals evaluate damage, determine coverage, and help restore policyholders, while TPAs and independent adjusters may be hired to handle claims on behalf of insurers. [ 16:46 ] - Because titles vary widely, professionals are encouraged to clearly introduce their role to policyholders, improving understanding and trust during what can be a confusing claims experience. [ 18:15 ] - Final takeaways reinforce core distinctions (insurer vs. insured), note that definitions may vary by policy, and highlight the importance of understanding agents, brokers, adjusters, and TPAs. Your PLRB Resources Sign Up for Updates on the Designation Program! https://2it6qrau8fd.typeform.com/pacedesignation Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

After years of study, discussion, and deep philosophical exploration, we finally close the final pages of DD Palmer's 1910 classic, The Chiropractor's Adjuster.This episode is more than a conclusion. It's a reflection on what chiropractic was, what it is becoming, and what may be at risk of being forgotten.Dr. Haig John and the Synapse Philosophy Group revisit the foundational principles laid out by DD Palmer—nerve tension, innate intelligence, the cause versus the effect—and unpack their relevance in today's profession.From the distinction between impingement and pressure, to the idea that spirit, soul, mind, and body are separate entities, this conversation dives into the philosophical roots that shaped chiropractic into something far greater than a mechanical practice.You'll also hear powerful real-world stories, reflections from chiropractors at different stages in their journey, and a renewed call to return to the principles that built the profession.If you've ever felt disconnected from the philosophy…If you've ever wondered what chiropractic really stands for…Or if you're ready to be “re-dipped” into the deeper meaning of your work…This episode is for you.We close with DD Palmer's own words—a final poem and a reminder that the ultimate goal is simple:Do your best. Help humanity. Leave something behind that matters.

Watch a preview of this Origami Risk webinar all about how insurers are tackling experience gaps in claims handling to maintain consistency, reduce operational risk, and support the … Read More » The post SPONSORED: What Are The Hidden Challenges in Claims Handling Today? appeared first on Insurance Journal TV.

What if the very place you've been grieving is the place God is about to move miraculously? Pastor Charlotte Gambill is reminding us that God is not distant from our sorrow, He steps right into it and transforms it. Just like Mary at the tomb, we can find ourselves overwhelmed with grief, unable to see what heaven already knows: the miracle has already begun. If you need fresh faith and freedom from grief, this message is for you!Are you ready to step into all God has called you to be through our Christ-Like Leader Pathway? There are so many ways to start, and we're here to walk with you every step of the way.-CLICK HERE TO SERVE: https://www.shorelinecity.church/join-CLICK HERE TO GET IN COMMUNITY: https://www.shorelinecity.church/connectgroups -CLICK HERE TO LIVE GENEROUSLY: https://www.shorelinecity.church/give-JESUS FIRST: We've been praying for you! If you made the decision to put Jesus first, text “JESUS” to 73000.-PRAYER: We believe there isn't anything too small or too big to bring to God. It would be our honor to pray with you. Text “PRAYER” to 73000STAY CONNECTEDWebsite: https://www.shorelinecity.church/Instagram: https://www.instagram.com/shorelinecity/Facebook:   / shorelinecity  Pastor Earl:   / earlmcclellan  Pastor Oneka:   / onekamcclellan  #ShorelineCity 

Tone is the expression of life itself — the body's innate ability to resist pressure, spring back, and restore balance.Protect the tone, and you protect the principle.

Introduction What happens when you stop trying to make claims adjusters faster and instead redesign the entire workflow from first notice of loss? Most insurers are layering AI co-pilots on top of legacy processes, but Ravin AI is arguing for something more disruptive: a fully automated claims pipeline that collects evidence, detects fraud, applies business rules, and routes decisions before a human ever touches the file. In this episode, Eliron Ekstein, Co-Founder and CEO of Ravin AI, breaks down how their Ravin Inspect platform automates up to 80% of auto claims, and why the economics of full automation are fundamentally different from incremental efficiency gains. Guest Bio Eliron Ekstein co-founded Ravin AI approximately eight years ago out of Shell Ventures, where he led new business development in Shell's Digital Ventures unit in London. What began as a concept for scanning vehicles at petrol stations has grown into a $35M+ funded insurtech operating across multiple continents. Eliron holds an MBA from London Business School and has spent the past decade digitizing automotive and transportation workflows. Ravin AI now serves insurance carriers, fleets, and remarketing customers globally with its patented DeepDetect technology. Key Topics -Full Automation vs. Co-Pilot Augmentation — Why Ravin's "pilot, not co-pilot" approach delivers fundamentally different economics than AI tools that assist adjusters within existing workflows. -Ravin Inspect: End-to-End Claims Pipeline — How the platform gathers policyholder data, vehicle images, location, speed, and fraud signals upfront to build a complete claim file before human review. -80% Auto-Adjudication Target — The threshold at which automation rewrites carrier unit economics, from staffing models to cycle times to customer satisfaction scores. -Purpose-Built AI vs. Generic GenAI — Why domain-specific computer vision and decision logic outperform general-purpose large language models for claims adjudication. -Integration Without Disruption — Ravin's approach to plugging into existing core systems and claims platforms without requiring carriers to rip and replace. -International Market Entry — Lessons from expanding an Israeli-founded insurtech into the U.S. and Australian markets, including regulatory and go-to-market differences. -Fraud Detection as a Byproduct — How automated evidence collection at FNOL creates a stronger fraud signal than retroactive investigation. Notable Quotes "Our pilot is not a co-pilot — it will run the claim up until the very last minute where you have to give a final approval." — Eliron Ekstein, Co-Founder & CEO, Ravin AI "We can actually gather all the relevant data from you — images, location, speed, fraud detection — and build a complete file that already includes business rules according to which you can settle the claim." — Eliron Ekstein "This is more of a radical approach that results in significant benefits, significant speed." — Eliron Ekstein Resources Guest: Ravin AI: https://www.ravin.ai/ Eliron Ekstein on LinkedIn: https://www.linkedin.com/in/elironekstein/ Host & Organization: Joshua R. Hollander on LinkedIn: https://www.linkedin.com/in/joshuarhollander/ Horton International (USA): https://www.horton-usa.com/ Insurtech Leadership Podcast (LinkedIn Showcase): https://www.linkedin.com/showcase/insurtech-leadership-show Subscribe & Review If you enjoyed this episode, subscribe on your favorite platform and leave a review. The Insurtech Leadership Podcast is available on YouTube, Podbean, Apple Podcasts, and Spotify.

ABOUT THIS MESSAGE The enemy doesn't always need you to mess everything up. Sometimes he just needs you to miscalculate where you're supposed to be. You can have the right appointment time and still be in the wrong building. In this message, we explore what it means to stay in step with the Holy Spirit and why positioning matters more than we think. When our emotions stay attached to what was, we can miss what God is doing right in front of us. But when we walk with the Holy Spirit, He helps us see clearly again—even in the hard moments. Sometimes the shift isn't about trying harder. It's about getting back in step with Him. ABOUT UNION CHURCH We exist for one thing: to help unite people with purpose. At Union Church, we believe heaven can be experienced on earth when people live intentional and purposeful lives submitted to God's Word. We help people know God, find freedom, discover purpose, and make a difference. We are one church in multiple locations throughout Maryland, Virginia, and Charlotte, North Carolina. Find a location near you: theunionchurch.com/findalocation GIVING www.theunionchurch.com/give FIND US ON SOCIAL MEDIA Facebook: www.facebook.com/weareunionchurch Instagram: www.instagram.com/weareunionchurch Instagram: www.instagram.com/stephenrchandler Website: https://theunionchurch.com  

Dr. Haig John and the Synapse Philosphy Team explore D.D. Palmer's The Chiropractor's Adjuster (p.911) “Your thoughts are of little value unless you intelligently use them.”What does that mean for chiropractors and chiropractic thinkers? Tune in as they unpack thought vs. action, chiropractic intent, and why philosophy must be lived, not just learned.

Being “really intentional” about ensuring that companies are using artificial intelligence to actually helping adjusters and not hindering their work or replacing them should be the ultimate goal … Read More » The post EP. 06: Making The Most of Technologies And Trends Impacting Adjusters appeared first on Insurance Journal TV.

Being “really intentional” about ensuring that companies are using artificial intelligence to actually helping adjusters and not hindering their work or replacing them should be the ultimate goal … Read More » The post EP. 06: Making The Most of Technologies And Trends Impacting Adjusters appeared first on Insurance Journal TV.

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this Canada Work Permit application data specific to LMIA work permits or employer driven work permits or LMIA exempt work permits for multiple years based on your country of Citizenship. I am coming to you from the Polinsys studios in Cambridge, OntarioNova Scotia issued work permits between 2015 and 2024 for Insurance adjusters and claims examiners under the former 4 digit NOC code 1312, currently referred to as NOC 12201.A senior Immigration counsel may use this data to strategize an SAPR program for clients. More details about SAPR can be found at https://ircnews.ca/sapr. Details including DATA table can be seen at https://polinsys.co/dIf you have an interest in gaining assistance with Work Permits based on your country of Citizenship, or should you require guidance post-selection, we extend a warm invitation to connect with us via https://myar.me/c. We strongly recommend attending our complimentary Zoom resource meetings conducted every Thursday. We kindly request you to carefully review the available resources. Subsequently, should any queries arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance in navigating the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, accessible at https://ircnews.ca/consultant.Support the show

Tony chats with Chris Casaleggio, Regional Director NE at MC Consultans, Forensic Expert, and Claims Author. Chris has written six books about the claims trade! Today we chat about his latest book: "Claims Crossroads: Fresh Starts, Smart Pivors & New Paths for Adjusters". The entire series is fantastic, but this latest entry is so important. What happens when a claims adjusters decides they need to seek a different direction? Don't leave the industry, there are many ways to make the most of your claims background and Chris can help you find the way!Chris Casaleggio: https://www.linkedin.com/in/casaleggio/Claims Crosswords: https://amzn.to/4l1sUhv

What if your insurance product didn't need a claims adjuster? When you remove the blame from the coverage equation, everything changes. In this episode, Randel Bennett walks through how no-fault embedded insurance—specifically parametric insurance woven into the solar energy business—is reshaping how performance guarantees work in commercial infrastructure projects. About the Guest Randel Bennett is CEO and co-founder of Qixent, a Chicago-based insurance exchange platform and licensed MGA enabling carriers and partners to launch and distribute insurance products at speed and scale. Randel's insurance career spans traditional carriers (Allstate in product management), startup ventures (co-founder of Sigo Seguros, focused on non-standard auto for Hispanic buyers), and reinsurance infrastructure (VP of Strategic Partnerships at Swiss Re, working with dozens of MGAs and insurtechs on alternative distribution and new product development). He is currently pursuing an MBA from the University of Chicago Booth School of Business and holds a degree from Florida International University. Key Topics No-Fault Embedded Insurance: From Blame to Guarantee Traditional insurance asks: "Whose fault was it?" No-fault embedded insurance removes the blame entirely. By embedding a parametric trigger (a predefined event and payout) directly into a service or product, you convert insurance into a guarantee. When solar panels underperform due to weather, the data triggers an automatic payout—no claims adjuster, no friction. The customer gets paid faster; the carrier transfers weather risk cleanly. Data as the Foundation of Underwriting The critical edge in performance guarantees is determining expected production with precision. Qixent uses weather data, historical production records, satellite imagery, and panel specifications to establish a baseline for each project. This data-first approach allows predictable, sustainable pricing and removes the guesswork from underwriting. As Randel notes, "data is really the core of everything that we do." Annual Reconciliation vs. Event Triggers Qixent's model allows flexibility: real-time payouts for significant weather events, but the dominant approach in commercial solar is annual reconciliation. Over a 12-month period, Qixent compares actual production to expected production. If weather caused a shortfall, the guarantee covers the gap. For 20–25 year projects, this cadence keeps both sides—EPC and asset owner—on stable, predictable footing. From Commercial Solar to the Energy Transition Qixent's 3–5 year vision extends beyond commercial solar into residential solar, battery storage, EV charging, and fleet electrification—any space where a performance obligation faces weather, grid reliability, or supply chain constraints. The underlying infrastructure is designed to be vertical-agnostic: "If we can measure it, we can guarantee it." Founder Lessons: Humility, Problem-Market Fit, Co-Founder Complementarity Randel's advice to insurance professionals considering entrepreneurship: Lead with humility (startup resources are scarce; you become the team). Solve a real, unmistakable problem (the performance guarantee gap in clean energy was Randel's unsee-able insight). Find a co-founder who complements your blind spots (Randel brings insurance and relationships; Glenn brings technology and operational rigor). And protect work-life balance—burnout tanks companies faster than capital constraints. Notable Quotes • "In the no-fault embedded space, we're removing the blame entirely... When their solar panels underperform due to weather, for instance, the data says, hey, this is what happened. And that triggers a payout. And that's it." • "Data is really the core of everything that we do... because of that, we can price it in a way that's affordable and sustainable for the long term." • "We're not just a tech company. We're an insurance company that uses technology. And that distinction matters." • "When you come from a large organization, you're used to having resources at your disposal... When you go to a startup, you are the team. You are the infrastructure. And that requires a level of humility that a lot of people aren't prepared for." • "If we can measure it, we can guarantee it. That's the big vision." Resources & Links • Qixent: https://qixent.com/ • Randel Bennett LinkedIn: https://www.linkedin.com/in/randeljb/ • Randel Bennett Email: randel@qixent.com • Horton International: https://www.horton-usa.com/ • Joshua R. Hollander LinkedIn: https://www.linkedin.com/in/joshuarhollander/ • Insurtech Leadership Podcast Showcase: https://www.linkedin.com/showcase/insurtech-leadership-show Subscribe & Follow New episodes drop weekly. Subscribe to the Insurtech Leadership Podcast on Podbean and YouTube. Follow Joshua R. Hollander on LinkedIn for episode updates, clips, and industry commentary.

DD Palmer's amazing book "The Chiropractor's Adjuster" is an awesome and at times difficult to read. That is why we are breaking it down and discussing it in segments so we can digest the wisdom of DD Palmer himself.

DD Palmer's amazing book "The Chiropractor's Adjuster" is an awesome and at times difficult to read. That is why we are breaking it down and discussing it in segments so we can digest the wisdom of DD Palmer himself.

DD Palmer's amazing book "The Chiropractor's Adjuster" is an awesome and at times difficult to read. That is why we are breaking it down and discussing it in segments so we can digest the wisdom of DD Palmer himself.

DD Palmer's amazing book "The Chiropractor's Adjuster" is an awesome and at times difficult to read. That is why we are breaking it down and discussing it in segments so we can digest the wisdom of DD Palmer himself.

The lagoon off Tel Dor is filled with shipwrecks and wouldn't you know it, new excavations have turned up three from the Iron Age. Our contestants talk about the finds, changing patterns of Mediterranean trade, and the problem of getting insurance. Iron Age maritime economies? Learn to swim.

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this Canada Work Permit application data specific to LMIA work permits or employer driven work permits or LMIA exempt work permits for multiple years based on your country of Citizenship. I am coming to you from the Polinsys studios in Cambridge, OntarioNew Brunswick issued work permits between 2015 and 2024 for Insurance adjusters and claims examiners under the former 4 digit NOC code 1312, currently referred to as NOC 12201.A senior Immigration counsel may use this data to strategize an SAPR program for clients. More details about SAPR can be found at https://ircnews.ca/sapr. Details including DATA table can be seen at https://polinsys.co/dIf you have an interest in gaining assistance with Work Permits based on your country of Citizenship, or should you require guidance post-selection, we extend a warm invitation to connect with us via https://myar.me/c. We strongly recommend attending our complimentary Zoom resource meetings conducted every Thursday. We kindly request you to carefully review the available resources. Subsequently, should any queries arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance in navigating the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, accessible at https://ircnews.ca/consultant.Support the show

Summary In this episode, Elizabeth Dodson interviews claims consultant Chantal Roberts, who shares her extensive experience in the insurance industry. They discuss the role of an adjuster in the claims process, the responsibilities of homeowners, and how to effectively communicate and support each other during claims. Chantal emphasizes the importance of understanding the claims process, the need for homeowners to provide necessary information, and the mutual responsibilities of both parties in achieving a successful resolution. In this conversation, Elizabeth Dodson and Chantal M. Roberts discuss the complexities of home insurance claims, emphasizing the importance of clarity, communication, and proactive measures for homeowners. They explore the responsibilities of homeowners, the intricacies of insurance estimates, and the dynamics between adjusters and homeowners. The discussion highlights the need for homeowners to understand their policies, effectively communicate with their adjusters, and take necessary actions to mitigate damages. The conversation concludes with insights on the human element in claims processing and the importance of maintaining a cooperative relationship with insurance professionals. About out Guest: Chantal M. Roberts, CPCU, AIC, RPA, ITP, is a claims consultant, expert witness, professor, and author with over 25 years of experience. She specializes in claim handling standards and litigation support. Chantal is also a Bankrate Expert Contributor, writing about insurance in a clear, relatable way. She teaches at BMCC–CUNY and The Institutes and is the author of The Art of Adjusting and Once Upon A Claim - www.cmrconsulting.net    Special offer for our audience: a discounted version of Chantal's book here Buy Once Upon A Claim: Fairy Tales to Protect Your Ass(ets) Takeaways Chantal Roberts has over 25 years of experience in claims consulting. Adjusters often handle a large volume of claims, making their role challenging. Homeowners need to understand their responsibilities in the claims process. Mitigation is crucial to prevent further damage during a claim. Communication between homeowners and adjusters is key to a smooth process. Homeowners should provide all necessary documentation to their adjuster. The claims process involves several steps, including investigation and resolution. Adjusters are there to facilitate the claims process, not to deny claims. Understanding the insurance policy is essential for homeowners. Both parties have responsibilities to ensure a successful claims outcome. Clarity is essential for homeowners during the claims process. Homeowners must understand their responsibilities and insurance policies. Effective communication with adjusters can expedite claims. Mitigation of damages is crucial to avoid further losses. Homeowners should be proactive in providing information to adjusters. Understanding estimates is vital for homeowners to avoid confusion. Adjusters handle numerous claims and may not remember individual cases. Building a good relationship with adjusters can lead to better outcomes. Homeowners should document everything related to their claims. Trusting the process and being patient can lead to smoother claims resolution.   Sound bites "We can't lowball you." "It's a process." "Trust the process."   Chapters 00:30 Introduction to Claims Consulting and Adjusting 02:27 The Role of an Adjuster in the Claims Process 09:08 Understanding the Claims Process for Homeowners 17:41 Navigating Adjuster Changes and Claim Management 21:13 How Homeowners Can Support Their Claims Process 27:10 Utilizing Technology for Home Insurance Claims 30:03 Understanding Responsibilities in the Claims Process 37:40 Navigating Communication with Adjusters 50:03 The Importance of Detailed Estimates 55:53 The Evolution of Communication in Claims Adjusting 59:25 Understanding the Claims Process 01:02:26 The Importance of Clarity in Communication 01:04:52 Mitigation Strategies for Homeowners 01:08:31 Navigating the Adjuster-Homeowner Relationship 01:13:06 Resources for Homeowners: Books and Tools0 Final Thoughts: Awareness and Preparedness for Homeowners

Swine & Dine Farms underwent a devastating loss when a ventilation system shut off, resulting in the deaths of 2,400 hogs. Swine & Dine didn't own the hogs: they were contract growers raising the hogs for an "integrator," the contract owner of the animals who is not suing for the value of the lost hogs. What liability coverage is available for these folks?   Notable Timestamps [ 00:41 ] - A ventilation failure led to the suffocation of thousands of hogs raised by a Contract Grower. [ 04:47 ] - This scenario centers on farm commercial liability policies, not property coverage. [ 05:20 ] - Standard farm liability forms often exclude damage to property in the insured's care, custody, or control, with narrow exceptions that may not fit contract grower operations. [ 07:45 ] - Adjusters should obtain and closely review the grower–integrator contract, as it may define ownership, responsibilities, and procedures that directly affect liability and coverage. [ 08:46 ] - Force majeure clauses can limit or eliminate liability when losses arise from events beyond a party's reasonable control, but their applicability depends on precise contract language. [ 11:08 ] - Coverage and defense issues may diverge, requiring careful coordination when contracts include provisions that could waive recovery even if coverage defenses exist. [ 12:51 ] - Brennan summarizes the key points above. Your PLRB Resources Recorded Webinar: Farm Bureau Town Hall Meeting - https://members.plrb.org/education/courses/farm-bureau-town-hall-meeting CE Course: Specialized Equipment Losses - https://members.plrb.org/education/courses/specialized-equipment-losses Listeners can email education@plrb.org for help navigating resources, requesting new content, or getting tailored curriculum support. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Insurance midterm rentals (iMTR) are one of the most profitable and purpose-driven niches in real estate investing. In this episode of Landlord Diaries, we sit down with Jason and Jaclyn McClure, co-founders of Vetted Homes, to uncover how they've built a thriving business around housing displaced families through insurance-paid monthly rentals.You'll learn why iMTR falls within Furnished Finder's fastest-growing tenant type (185% YoY growth), how to analyze a potential iMTR property, how to price correctly, work with insurance companies, and the truth about tenant screening. We also cover why rental arbitrage can be a powerful tool for testing new markets and what actually makes an ideal iMTR home.Whether you're a real estate investor looking for consistent cash flow, a new landlord, or exploring rental arbitrage, this episode will show you why iMTR might be your most rewarding strategy yet.

[CLIC] Media is proud to present [CLIC] Connect our Hospitality, Travel & Tourism interview show. We are bringing Hospitality Leaders and insights to our conversations from across the Continent and Beyond Joining the conversation today is Elyse Poland, Nat'l Relationship Manager Goodman-Gable-Gould Adjusters International and we are talking about Hotels, CRE, Insurance Adjustments, Public Adjustments and so much more.....

In this episode of The Savvy Adjuster Podcast, we're talking about the effects of smoke and fire damage on business-critical equipment. Host Chris Nichols welcomes back TechLoss Consulting and Restoration Corporate Vice President Bob Karbin and Vice President of Engineering Mikey Minor to discuss concerns about smoke and fire damage claims and the fire damage restoration process. These include corrosive elements in smoke, how extreme heat impacts functionality, and the importance of quickly stabilizing equipment. Listeners will gain insights into how degreed engineers can differentiate between repairable equipment and a total loss, factoring in everything from fire suppression system damage to business interruption.Discussed in This EpisodeHow smoke and fire contamination damages business-critical equipmentThe scientific process of wipe sampling to identify contamination levelsHow damage can also be caused by fire suppression systems and firefighting efforts, introducing water, chemicals, and debrisKey actions adjusters and insureds should take to evaluate lossesThe importance of timeliness to prevent further equipment deterioration and control costsStories from the field detailing unique and challenging smoke and fire claims, including explosions and widespread corrosion eventsAdditional ResourcesAlpine Intel Resources Page: https://bit.ly/4pKAXRgTechLoss Consulting & Restoration: https://bit.ly/45eWIjNAdditional Resources About Smoke and Fire Damage Claims:Article: Equipment Restoration Following Fire and Water Losses: https://bit.ly/4s00MOHArticle: From FNOL to Resolved: Steps for Business-Critical Equipment Claims: https://bit.ly/3MGrdZJGuide: The Impact of Heat on Equipment: https://bit.ly/3My1Kld

Sod's Country Farms was raising 65,000 chickens when a fire burned down the poultry house. After a detailed investigation, the cause of the fire was undetermined. To further complicate matters, Sod's Country Farms didn't even own the chickens themselves, but raised them for a vendor. They want to know if the property loss of the  animals is covered-- and what policy would be most appropriate.   Notable Timestamps [ 00:00 ] - A poultry house fire destroys 65,000 chickens, but the insured doesn't own the birds. [ 03:30 ] - Contract Growing is common in agriculture, with farmers raising animals owned by vendors.  [ 05:20 ] - Under the ISO BOP, animals are generally excluded, but exceptions exist for animals owned by others and "boarded" by the insured. [ 07:00 ] - Courts may rely on dictionary definitions when policy terms like "boarded" are undefined. [ 09:00 ] - Adjusters should review the contract for risk transfer provisions, insurance requirements, and other-insurance clauses to understand responsibilities and potential overlap. [ 11:30 ] - Standard BOP coverage can fall short for farming operations. Specialized farm policies are designed to address poultry risks more directly through scheduling and declaration-based coverage. [ 13:30 ] - Declarations pages matter in agricultural losses. How buildings, poultry locations, and coverage types are defined can determine whether coverage applies or is excluded. [ 15:30 ] - Valuing large-scale poultry losses is complex, involving age, weight, market timing, pricing data, and delay to market, often guided by specific policy language on cash market value. [ 17:15 ] - Brennan summarizes the key points above. Your PLRB Resources Annotation: BP191 - Animals - https://members.plrb.org/documents/bp191-animals Podcast Episode: Don't Count Your Chicken Coops Before They're Insured - https://members.plrb.org/education/courses/dont-count-your-chicken-coops-before-theyre-insured Listeners can email education@plrb.org for help navigating resources, requesting new content, or getting tailored curriculum support. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Automation is clearing away the busywork in claims and underwriting so frontline insurance pros can focus on real customer needs, not seventeen open tabs. Watch this interview with … Read More » The post Tech That Lets Adjusters Breathe | ITC Las Vegas appeared first on Insurance Journal TV.

Pool Pros text questions hereThe conversation explores the complexities of insurance claims, particularly in unusual circumstances involving property damage due to weather events. The speaker shares a vivid account of a claim involving a fallen tree that caused significant damage to a pool area, illustrating the challenges faced by both homeowners and insurance adjusters in assessing and managing such incidents.TakeawaysThe role of insurance adjusters in property damage claims.Unusual incidents can complicate insurance claims.Weather events can lead to significant property damage.Visual descriptions help convey the extent of damage.Homeowners often hire multiple experts for claims.The impact of a fallen tree on property can be severe.Adjusters must navigate complex situations during assessments.Clear communication is key in insurance claims.Understanding the damage is crucial for claims processing.The emotional toll on homeowners during claims is significant.Sound bites"The whole thing was just mangled.""It looked like the Kool-Aid man had come through.""This is pretty, this is pretty f up."Chapters00:00 Weather Challenges and Pool Maintenance00:06 Building Relationships with Insurance Providers Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

It's time to drill down into the nuances of dental equipment claims with The Savvy Adjuster Podcast. When a peril impacts a dental office, the damage can extend beyond the patient chair. Host Chris Nichols is joined by TechLoss Consulting and Restoration Corporate Vice President Bob Karbin and Vice President of Engineering Mikey Minor to discuss the wide array of specialized equipment that can be compromised. They explore the common causes of loss, from water and smoke damage to power surges, and outline the critical first steps adjusters should take to mitigate further damage. Discussed in This EpisodeThe full range of equipment found in a dental office, including specialized lab and operatory toolsCommon perils that impact sensitive equipment, such as water, smoke, power surges, and physical impactCritical first steps and best practices for adjusters to follow when receiving a dental equipment claim to prevent further damageThe role of wear and tear and how degreed engineers can differentiate it from other causes of lossThe restoration and cleaning process for contaminated equipment to return it to pre-loss conditionOptions for securing equipment to minimize business interruption for the insuredReal-world examples and stories from the field of complex dental equipment claimsAdditional ResourcesAlpine Intel Resources Page: https://bit.ly/44LMUNZTechLoss Consulting & Restoration: https://bit.ly/4pIjjNBAdditional Dental Equipment Claims Resources:Article: Drilling into Dental Equipment Claims: Perils and the Assessment Process: https://bit.ly/3MAr9udGuide: Dental Equipment Assessment and Restoration: https://bit.ly/48LZM9cCase Study: Dental Equipment Claim: https://bit.ly/44KGOxj

Lightning and surge are often linked with electronics failures, but other perils might be playing a role. Alpine Intel Executive Vice President of Specialty Assessments Paul Whitmore and Alpine Intel's Strategic Sales Development Manager Chris Tomlinson rejoin Alpine Intel Sales Operations Manager Chris Nichols on The Savvy Adjuster Podcast to discuss other causes of loss that lead to electrical equipment failures.Discussed in This Episode Water damage to electronicsWeather-related perilsWhat to do when policyholders report the cause of loss as “unknown”Additional Resources Alpine Intel Resource Page: https://bit.ly/4qOGNlDStrikeCheck: https://bit.ly/47RiryKAdditional Electronics Resources:Guide: Water Damage to Electronics: https://bit.ly/3XnCf88Article: StrikeCheck Electrical System Assessment Tools of the Trade: https://bit.ly/3WPFEMMGuide: Weather Impacts to Electronics Claims: https://bit.ly/47M9OWb

The Savvy Adjuster Podcast returns with a look at various types of residential electrical equipment frequently found in claims. Alpine Intel Sales Operations Manager Chris Nichols is joined by Alpine Intel Executive Vice President of Specialty Assessments Paul Whitmore and Alpine Intel's Strategic Sales Development Manager Chris Tomlinson, who each have an extensive history in the insurance industry. Listen as they discuss electronics that may fail during the cooler months and what perils, including water damage, might be affecting them.Discussed in This Episode Outdoor residential electrical equipment often included in claims (including outdoor entertainment systems!)Perils that impact electrically powered equipment in the summer months, such as lightning, and how causes of loss might shift with cooler temperatures to include fire, freezing conditions, and othersWhen repairs may be most appropriate versus a replacementWhy pools and hot tubs might still be included in winter claimsWater damage to electronics, its causes, and its impactsInteresting electronics claims storiesAdditional Resources Alpine Intel Resource Page: https://bit.ly/42UM00YStrikeCheck: https://bit.ly/49liPb8Additional Electronics Resources:Guide: Outdoor Electronics: Your Guide to Perils, Damages, and Assessments: https://bit.ly/4oIh2S8Article: Even Hot Tubs Don't Like Cold Weather: https://bit.ly/4ofuDQYGuide: Preparing for Winter Electrical Fire Claims Guide: https://bit.ly/4obu2zV

In this brand-new episode, host Tara Patten Weisner of WeisnerAds.com sits down with Peter LaFramboise, owner of Gold Star Adjusters, for a deep and timely conversation on how to shift your mindset when choices are made for you.From life's unexpected turns to the moments where control slips through our fingers, Tara and Peter explore how to stay grounded, grow stronger, and turn limitation into liberation. This episode is packed with wisdom on resilience, leadership, and faith-driven decision-making — perfect for entrepreneurs, creators, and anyone navigating change.

In this episode, Florida attorney Chad Robinson discusses how AI is reshaping the insurance industry and why the human touch still matters. Gain insights into how claims are being handled with AI and automation, and discover tools professionals can use to stay ahead. Whether you're in legal, adjusting, or even contracting, Chad's expertise shows how to thrive in an AI-driven world. A must-listen for those wanting to elevate their claims game!   Highlights Impact of AI on Insurance Industry. Chad Robinson's Multifaceted Career. From Defense to Plaintiff's Side in Law. Importance of Human Element in Claims. Policyholders' Role in Documenting Damage. Adjusters' Approach to Inspections. Concerns with AI in Claims Decisions. Logic Loops in AI Handled Claims. Tools for Legal Professionals. Automation: Enhancing AI Efficiency. Leveling Up Through Professional Civility. Episode Resources Connect with Galen M. Hair https://insuranceclaimhq.com hair@hairshunnarah.com  https://levelupclaim.com/

This is a brand new Episode 125 of our podcast, where Carmen Ramirez, our dedicated host, dives into one of the most important, yet often overlooked, topics in the workers' comp journey: documentation.  In this powerful edition, Carmen breaks down why documentation is the secret weapon every injured worker needs to understand in order to navigate their claim successfully.  You'll get an inside look into how claims adjusters think, what kind of paperwork really matters, and, most importantly, how you can take control of your own process with confidence.  From building a bulletproof paper trail to communicating clearly and professionally with your claims adjuster, Carmen walks you through the essential tools every injured worker in California should have in their toolkit.    You'll also learn:  -How to avoid delays that cost you time and money -How to stay organized even when life feels overwhelming -When it's time to get legal help, and how to find it -Why being proactive (not passive) can change everything    Whether you're just starting your claim, stuck in the middle of a confusing process, or feeling completely discouraged, this episode is packed with real-world advice to help you move forward with clarity and strength.    Chapters:  00:00 Understanding Workers' Comp Claims  01:38 The Importance of Documentation  05:34 Building Rapport with Adjusters  07:24 Managing Expectations in the Claims Process  09:38 When to Seek Legal Help    This episode is sponsored by Pacific Workers, The Lawyers for Injured Workers, the trusted workers' compensation law firm in Northern California. With over 10,000 cases won and more than $350 million recovered for injured workers, we are here to help if you've suffered a workplace injury.     Visit our FAQ and blog for more resources:  https://www.pacificworkers.com/blog/ 

During this week's episode of the Oakley Podcast, host Jeremy Kellett is joined by Michael Johnson, one of our owner/operators at Oakley Trucking. Mike shares his remarkable journey from serving as a Marine and working as a heavy haul trucker to becoming an insurance adjuster and Oakley owner/operator. He discusses his family's adoption story, the challenges and rewards of trucking, and offers practical advice on navigating insurance policies for both truckers and homeowners. Listeners will gain valuable insights into the importance of understanding insurance coverage, the diverse backgrounds of truck drivers, and the supportive community at Oakley. Key takeaways include being proactive with insurance, appreciating the varied paths in trucking, the impact of strong family and faith values, and so much more.Key topics in today's conversation include:Welcome to the Show and Sponsor Reveal: Boss Truck Shops (1:44)Why Boss Truck Shops is a Sponsor (5:35)Introducing Owner/Operator Mike Johnson (8:14)Military Service as a Korean Linguist (11:57)Transition to Trucking and Heavy Haul (14:21)Becoming an Owner-Operator at Oakley (15:58)Orientation and Owner-Operator Experience (21:07)Insurance Adjusting Side Career (22:26)Storm and Disaster Response Stories (23:35)Insurance Adjusting Details and Advice (26:36)Replacement Cost vs. Actual Cash Value (28:33)Renters Insurance and Personal Property Claims (31:44)Public Adjusters and Fighting Insurance Denials (34:03)Final Thoughts and Takeaways (37:13)Oakley Trucking is a family-owned and operated trucking company headquartered in North Little Rock, Arkansas. For more information, check out our show website:  podcast.bruceoakley.com.

Send us a textVarious types of casualty events, including fires, floods, explosions, windstorms, and even the unavoidable burst water pipe, will likely occur at some point in your community's lifespan which means your board will have to submit an insurance claim. That process can make your association feel as if you're going through a second disaster while you're trying to recover from the first one. Host Donna DiMaggio Berger and guest Ken Shriberg, a public insurance adjuster with a track record for turning underwhelming settlements into substantial lifelines, will arm you with the knowledge to face insurance challenges head-on. Donna and Ken walk through the hidden damages that can derail recovery efforts, emphasizing the significance of exhaustive inspections and the transformative impact a public adjuster can have on your recovery. They recount real-life tales from the field, illustrating how an eagle-eyed adjuster can turn a modest $2 million claim into a $28 million game-changer, emphasizing the importance of expert evaluations in rectifying overlooked destruction.Donna and Ken also tackle the often-overlooked challenges that association boards face, from understanding convoluted insurance policies to the art of negotiation, and how these hurdles can impact the rebuilding process. They debunk the 10X sales mentality, advocating for collaboration and exceptional customer service as the cornerstones of a successful recovery. By the episode's end, you'll be equipped with a view of how seasoned professionals, from adjusters to attorneys, play a pivotal role in guiding communities through the aftermath of casualty events, ensuring a fair and comprehensive path to restoration.Conversation highlights include:How the role of an independent public insurance adjuster differs from the insurance company's adjuster and other professionals in the insurance industryEvaluation tools used to assess the extent of damage in community association insurance claimsChallenges and issues community associations often face when dealing with insurance companies after a lossTimeline of a typical community association windstorm claim, from the initial report to the final resolutionRed flags or warning signs that community associations should be aware of when dealing with insurance claimsKey considerations for boards when selecting an insurance policy and how can they maximize their coverageWhen it's time to call in an attorney to pursue a Bad Faith ClaimRelated Links:Podcast: Storm-Ready in Seconds: How Shark Tank's StormBag Is Changing Hurricane and Severe Weather Prep | Becker & PoliakoffArticle: Becker Expands Association Adjusting Firm with Additions of Ken Shriberg and Chris Cury | Becker & PoliakoffResource: Association Adjusting - Serving Community Associations Throughout Florida and New Jersey

Pregnancy-specific seatbelt adjusters are marketed as safer alternatives to a traditional seatbelt, with compelling claims that they reduce risks to both the mother and the baby. In this episode, we examine the evidence on car crashes during pregnancy, the proven benefits of seatbelt use, and the real-world challenges of proper seatbelt positioning during pregnancy. You will learn what major safety organizations recommend, how these aftermarket products work, and whether their safety claims hold up under scrutiny. Full article and resources for this episode: https://pregnancypodcast.com/seatbelt/   Thank you to the brands that power this podcast. See all discounts exclusive for Pregnancy Podcast listeners: https://pregnancypodcast.com/resources   Get More from the Pregnancy Podcast Join Pregnancy Podcast Premium for ad-free episodes, full access to the back catalog, and a copy of the Your Birth Plan Book: https://pregnancypodcast.com/premium Follow your pregnancy week-by-week with the 40 Weeks podcast. Learn how your baby grows, what's happening in your body, what to expect at prenatal appointments, and get tips for dads and partners: https://pregnancypodcast.com/week For more evidence-based information, visit the Pregnancy Podcast website: https://pregnancypodcast.com

Scaling claims operations while harnessing AI, automation, and real adjuster insights is not easy but Branch is doing just that. Returning for a second time to FNO: InsureTech, Chief Claims Officer Charlie Wendland provides an in-depth update on how Branch's claims team has intentionally built and evolved a fully in-house claims process focused on solving genuine adjuster pain points rather than chasing flashy tech trends. This episode explores how Branch leverages voice powered AI for FNOL, sophisticated fraud detection techniques, and large language model driven letter generation to streamline workflows. By involving adjusters closely in pilot programs, Branch ensures technology adoption is practical, meaningful, and impactful, pushing the boundaries of what a modern claims team can achieve.  Key Highlights: Branch is a fully licensed insurance carrier operating as a reciprocal exchange. It bundles auto, home, and renters' policies with an emphasis on speed and simplicity. The claims operation was built in-house and scaled through intentional, metrics driven process design prioritizing results without dramatically increasing headcount. First Notice of Loss (FNOL) is largely handled via Liberate's voice powered AI. Fewer than 30% of FNOL submissions route to a human, and that number continues to decline as users opt into self-service. Fraud detection measures include checks for duplicate images and photos pulled from the internet. These filters help fast-track genuine claims and reduce investigation lag. Branch uses large language models via its “Letter Gen” tool (developed with Kyber) to automatically draft state specific coverage letters, which are then reviewed by adjusters saving time without sacrificing accuracy. Adjusters are included in pilot testing for every new tech rollout. Their feedback directly shapes how tools are adopted and refined creating a smoother, more meaningful change management process.  Quotes: “We built our claims operation from the ground up, focusing on efficiency metrics at every step so we could scale without just adding bodies.” — Charlie Wendland “Fraud detection isn't just about flags it's about giving our adjusters confidence that clear claims can move faster through the system.” — Charlie Wendland “We're not using technology to replace humans we're using it to relieve them of rote tasks so they can focus on what matters complex problem-solving and real customer care.” — Charlie Wendland 

Tony chats with Joel Gendelman, CEO and Founder at n2itive, they are 100% focused on improving recorded statements. Adjusters chat with the claimants to get the story from the horse's mouth shortly after the loss happens and they record it. This is basically a CRM for recorded statements, already in use at 35 carriers and with 3 of the top 10 carriers. It allows adjusters to reliably and easily record the statement, they gets stored, transcribed, and most importantly transformed by AI and unlocking the content of the conversations and making that data available to make the best decisions and make adjusters more efficient. The adjuster doesn't have to even type notes, the system guides them through it. This data is the most untapped data in the claims side of insurance. A must listen to episode!Joel Gendelman: https://www.linkedin.com/in/joeldgendelman/n2itive: https://n2uitive.com/

Tony chats with Chrysa Jones, Co-Founder and COO at StreamSettle, they are a triple blind deal detector. Currently being used between insurance adjusters and plaintiff attorneys to to help them reach settlements faster. Adjusters put in their true no BS top offer and the attorneys put in their true no BS bottom line. If there is a deal to be made the system detects it without people showing their cards!Chrysa Jones: https://www.linkedin.com/in/chrysa-jones-2a556a271/StreamSettle: https://streamsettle.com/Video Version: https://youtu.be/nfNBTpYk5XY

In this eye-opening episode of In The Lab, Ruben sits down with public adjuster Andy Gurczak of All City Adjusting for a second time to unpack the misunderstood world of insurance claims and temporary housing. Andy explains why most homeowners and investors are at a major disadvantage when filing insurance claims and how public adjusters can help recover tens of thousands of dollars more—often without the property owner having to lift a finger. Ruben and Andy walk through the lifecycle of a claim, the different players involved (staff adjusters vs. CAT adjusters vs. public adjusters), and how midterm rental operators can better serve displaced families by understanding Coverage D and building stronger relationships with adjusters, agents, and vendors.You'll learn why calling the insurance company first could cost you, how to shift deductibles strategically, and how to frame your housing proposals so they actually get approved. Andy also reveals how his team inventories personal property for families after a fire and why personal property often becomes the biggest overlooked payout opportunity.If you're in real estate—especially the midterm rental or insurance housing space—this is a must-listen conversation that could dramatically change how you approach claims and partnerships. Tune in now to learn how to build trust with adjusters, navigate insurance timelines, and position yourself as the go-to housing solution.Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprintHIGHLIGHTS OF THE EPISODE:08:59 Andy talks about calling a public adjuster first before talking to your insurance company.29:59 Andy talks about why you should choose the home instead of the hotel. KEEPING IT REAL:05:00 - What a public adjuster does and how they get paid10:45 - Why you should never call your insurance company first14:00 - The difference between staff adjusters vs. CAT adjusters18:30 - Adjuster motivations: bonuses, overwhelm, and bias22:00 - Understanding Coverage D and relocation budgets28:30 - Can relocation funds be extended or shifted?32:00 - Should families stay in hotels or homes?36:20 - How to build relationships with public adjusters and agents44:00 - How PA services help investors inventory personal property54:00 - How to speed up proposal approvals with adjusters  #PublicAdjuster #InsuranceClaims #CoverageD #MidtermRentals #TemporaryHousing #RealEstateInvesting #PolicyholderAdvocacyCONNECT WITH THE GUESTWebsite: https://allcityadjusting.com/Linkedin: https://www.linkedin.com/in/andy-gurczak-528b9b64/Facebook: https://www.facebook.com/allcityadjusting/

Subscribe to Bad Faith on Patreon to instantly unlock this episode and our entire premium episode library: http://patreon.com/badfaithpodcast Current Affairs editor-in-chief and co-author with Noam Chomsky of new book The Myth of American Idealism Nathan J. Robinson returns to Bad Faith to discuss his latest takedown piece -- this time of Slow Boring centrist writer Matthew Yglesias. But first, Nathan addresses taking heat for his take on health insurance CEO Brian Thompson's assassination, & Brie makes Nathan do unpaid labor as her therapist. Subscribe to Bad Faith on YouTube for video of this episode. Find Bad Faith on Twitter (@badfaithpod) and Instagram (@badfaithpod). Produced by Armand Aviram. Theme by Nick Thorburn (@nickfromislands).