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The insured lives in a single-family home in Austin, Texas. While hanging a shelf on the wall in one of the bathrooms, the owner drilled right through the metal stud, directly into a plumbing pipe, causing water damage to the wall and to the carpeting on the floor. (Yes, you heard that correctly, carpeting…in the bathroom!) Should there have been some type of pipe protection near the stud? And, does code even allow carpeting in a bathroom?   Notable Timestamps [ 00:08 ] - The scenario involves a homeowner drilling into a metal stud and puncturing a plumbing pipe, causing water damage to the wall and bathroom carpet. [ 01:15 ] - The hosts discuss home "deal breakers" and vintage advertisements. [ 05:39 ] - PLRB's Building Code Address Report confirms Austin enforces the 2021 IRC and 2021 Uniform Plumbing Code (UPC). [ 06:09 ] - Under the 2021 UPC, pipes within one inch of a metal stud must be protected by at least 18-gauge steel nail plates extending beyond the pipe's diameter to prevent drill punctures. [ 09:28 ] - The IRC clarifies that permits are not required for finish work such as carpeting. [ 09:56 ] - Code limits absorbent materials only at the actual tub or shower floor surface. In other words, carpet elsewhere in the bathroom is only prohibited by common sense and not by model building codes. [ 11:25 ] - While model codes allow bathroom carpeting, local ordinances may impose stricter sanitary rules, so adjusters should always verify municipal amendments before reaching conclusions. [ 13:52 ] - Ruth summarizes the key points of this episode. Your PLRB Resources Address Report https://members.plrb.org/building-codes What's New on the Building Codes Address Report? https://members.plrb.org/documents/whats-new-on-the-building-codes-address-report?query=address%20report Ask a Code Question https://members.plrb.org/building-codes/ask-building-code-questions 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).

For this holiday week, we'd like to prepare you for the upcoming PLRB Claims Conference, so we're sharing a classic episode featuring some highlights on what to expect. You might notice some details specific to the original date of taping, but we've lightly edited it to keep it relevant. We're looking forward to seeing you at the conference!    Let's say you're a service provider in the insurance industry. You've been attending PLRB Conferences for a few years, and you're thinking about taking the next step to increase exposure and build relationships with the right people in the industry.    Notable Timestamps [ 01:20 ] - Exhibiting and sponsoring at the PLRB Claims Conference can be an impactful option, and PLRB has a variety of offerings to help each service provider reach their goals. [ 01:50 ] - For our trivia question today, last year at the Claims Conference we had over 3000 attendees, and over 950 of those were insurance company staff. Of those, how many do you think were senior staff? [ 04:05 ] - The Insurance Services Expo includes a wide variety of exhibitors and sponsors, from traditional segments like independent adjusting and forensics to technology services like claims management software and AI solutions to other ancilliary services. [ 05:22 ] - Among other benefits, exhibiting and sponsorship can provide visibility, stature, and credibility as service providers build strong relationships in the industry. [ 06:30 ] - A variety of sponsorship opportunities are available to fit the needs of different service providers, from physical branding to digital signage to booth services. [ 07:50 ] - Service providers take full advantage of the benefits of the conference by attending educational sessions, doing their own entertaining, and making connections in the Expo. [ 08:37 ] - Unique opportunities like Wifi sponsorship and keycard sponsorship provide novel avenues to make connections with attendees. [ 09:15 ] - Return On Investment is a top concern for many service providers, and building relationships over time at the PLRB Claims Conference is often a fruitful experience for those who make the investment. [ 10:28 ] - The 2025 Claims Conference in Indianapolis provided plenty of space for conferencegoers to make connections. [ 11:50 ] - Many new offerings are anticipated, including-- as a show notes sneak peek-- creative services like social media templates and press releases. [ 13:30 ] - Tom provides a recap of the scenario and the points above. Your PLRB Resources Email sponsorship@plrb.org Contact Tom O'Dowd at todowd@plrb.org Prospective Sponsors: https://web.cvent.com/event/aa96efc9-539f-4558-bb0b-c31895d0abbf/websitePage:f7750b7c-c5d4-47e9-b3ba-24b0f244d6c8 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.  Sponsorship PLRB thanks Alacrity Solutions for its Diamond Sponsorship of the 2025 Claims Conference. "Insurance Claims Made Easy — Streamlined claims, repairs & recovery services built for speed. Trusted nationwide partner for insurance carriers & policyholders." Visit alacritysolutions.com! 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).

Episode #286!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLLaura WoodardFacebook - LinkedIn - Grass Roots Medical Marketing - X/Twittermedmktgquiz.scoreapp.comHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

A supervisor leads a team of very needy CAT adjusters! Over the course of the year, the supervisor fields many questions as it comes up in their claims. Was there hail on X date? Was there lightning in the area? This hurricane is coming soon, where can I get news about it? Winter weather caused a slip and fall!! Where can I find information on wildfire perimeters and California evacuations? For help herding all these cats, we'll head to PLRB.org.   Notable Timestamps [ 00:00 ] - The episode introduces a scenario where a supervisor fields constant weather-related questions from cat adjusters, highlighting the need for a centralized, reliable source for hail, lightning, hurricanes, wildfires, and more. [ 02:15 ] - The team previews multiple scenarios—winter storms, hail, lightning, power outages, tornadoes, hurricanes, and wildfires—showing the breadth of searchable weather data available to support claim investigations. [ 03:16 ] - Using a winter slip-and-fall in Iowa City, Iowa, the report pulls verified storm data from the National Weather Service, including freezing rain reports and hourly observations to validate conditions on the date of loss. [ 07:42 ] - For hail damage in Illinois, radar-derived data and verified hail reports allow adjusters to map proximity, estimated hail size, and associated severe thunderstorm warnings tied to a specific date and address. [ 09:53 ] - Lightning reports provide daily probability percentages and satellite detection data, helping assess commercial equipment claims while noting limits in resolution and cloud-to-cloud versus cloud-to-ground distinctions. [ 12:25 ] - Power outage searches archive data every ten minutes via PowerOutage.us, identifying outage timing, affected customers, and likely storm causes—critical for business interruption investigations. [ 14:09 ] - A tornado case study of the Mayfield event demonstrates wind reports, damage points, and EF-scale path polygons, enabling precise analysis of storm track and intensity relative to a property. [ 17:31 ] - Wildfire tools include historical perimeters like the Garnett Fire, evacuation zones, thermal hotspots, smoke analysis from National Oceanic and Atmospheric Administration data, and hurricane spaghetti models—underscoring a single portal for comprehensive weather intelligence. [ 17:49 ] - Dylan summarized upcoming PLRB Weather/CATs developments. Your PLRB Resources Weather/CATS Hub - https://members.plrb.org/weather-cat/ 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).

A restaurant experienced a power outage lasting over an hour and a half. Because of the outage, they decided to close for the rest of the evening, claiming lost revenue from missed dinner service. PLRB weather tools will help us explore outage duration, date and time, location, and eventual cause. As we investigate, we'll encounter an efficient proximate cause issue, the electrical currents exclusion, and a fried squirrel.   Notable Timestamps [ 00:00 ] - The episode sets up a real-world insurance scenario: a restaurant closes after a 90-minute power outage and claims lost revenue, raising questions about cause, duration, and coverage. [ 00:38 ] - Investigating a power outage starts with verifying the exact date, time, duration, location, and cause, all of which are critical inputs for determining whether a claim may be payable. [ 02:29 ] - Using PLRB's power outage report, investigators can search by address and date range, view outages within a one-mile radius, and see results on an interactive map and data table. [ 03:14 ] - Outage data comes from utilities nationwide, gets updated every ten minutes, and covers about 87% of U.S. electric customers. This report helps establish whether an insured location likely lost power. [ 05:04 ] - The report shows outage IDs, UTC timestamps, customer counts, utility names, estimated restoration times, and potentially the confirmed cause, all exportable in a shareable PDF. [ 06:53 ] - Determining the outage cause is essential because many policies distinguish between natural events and artificial causes, which can directly affect coverage decisions. [ 08:19 ] - In this case, investigators found the outage was caused by a squirrel contacting electrical equipment, leading to arcing that damaged a transformer and knocked out power. [ 13:04 ] - The court rejected "but for" causation and made a ruling that did not invalidate the policy exclusion. [ 17:49 ] - Dylan summarized upcoming PLRB Weather/CATs developments. Your PLRB Resources Weather/CATS: Get a Power Outage Report - https://members.plrb.org/weather-cat/power-outage-report Case Law Review: City of West Liberty v. Employers Mutual Cas. Co., 922 N.W.2d 876 (Iowa 2/01/19) -  https://members.plrb.org/documents/city-of-west-liberty-v-employers-mutual-cas-co-2019 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).

Episode #285!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

You're a new exhibitor, and you're excited and anxious about your first visit to the PLRB Claims Conference. How will you handle the rushes of attendees and the breaks between them? How will you build relationships that will last after you leave the Expo floor? What tone will you strike with members? Gemcor has been attending PLRB since 1984, just three years after our dad founded the company. It's the one conference we commit to every single year, and today we'll share our perspective.   Notable Timestamps [ 00:58 ] - In this scenario, a new exhibitor is hoping for success at the upcoming PLRB conference. [ 03:27 ] - The team discusses their favorite conference locations. [ 07:59 ] - Successful exhibitors emphasize consistency and face-to-face connection as the core driver of lasting client relationships. [ 10:57 ] - Every conversation counts, even if someone isn't a potential client at that moment. [ 12:07 ] - Conferences surface real-time industry trends and information, from informal hallway conversations. [ 13:19 ] - Downtime isn't wasted time if it's used appropriately. [ 14:55 ] - Follow-up is critical to keep the momentum going after a conference. [ 16:40 ] - Booth presence matters: engaged, approachable exhibitors attract more meaningful interactions. [ 17:49 ] - Dana summarizes the key points above. Your PLRB Resources PLRB Events: Upcoming Events - https://members.plrb.org/events/ Claims Conference: Event Site - http://www.plrbclaimsconference.org/ Affiliate Membership: Which PLRB Affiliate Membership Is Right for You? - https://www.plrb.org/affiliate/ 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).

Episode #284!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLJule SalemLinkedIn - Instagram - Salem Solutions Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

For this holiday week, we'd like to prepare you for the upcoming PLRB Claims Conference, so we're sharing a classic episode featuring some highlights on what to expect. You might notice some details specific to the original date of taping, but we've lightly edited it to keep it relevant. We're looking forward to seeing you at the conference!    A supervisor is leading a small but mighty teams of adjusters, and they're taking their team to Indianapolis this spring for the 2025 PLRB Claims Conference. The only problem? They've never been before and have no idea where to start.   Notable Timestamps [ 00:15 ] - One more salute to our once and future host, Alissha Watley. [ 00:40 ] - Our team of claims professionals is headed to Indiana Convention Center in Indianapolis, IN for the 2025 PLRB Claims Conference, held on March 31 to April 2. [ 01:50 ] - The team reminisces about past conferences and tornado alarms. [ 02:40 ] - Stop by the registration desk to get your badge. If you're in town on Sunday, check out the Orientation for First-Time Attendees, and then the Claims Conference Welcome Reception. [ 04:17 ] - On Monday morning, kick off with the general session "The Power of Uncertainty" by Renee Bruns of Renee Bruns Coaching & Consulting, LLC. [ 04:40 ] - The Insurance Services Expo is a great place to connect with new products and service providers. [ 05:11 ] - PLRB will be hosting a booth at the Claims Conference, featuring lightning talks from PLRB staff and guests. [ 07:30 ] - Select from over 100 educational sessions to choose from, across 14 educational tracks. Get your CE Credits and the training you need to succeed. [ 10:30 ] - Lunchtime! The lunch hour is a great chance to check out the Expo hall and build connections. Who said there's no such thing as a free lunch? [ 11:36 ] - On Tuesday, check out PLRB Presents for short impactful talks; Future of Insurance for a thought leadership panel hosted by PLRB CEO Bryan Falchuk; and the Women's Walk coordinated by Girls Give Back. [ 13:00 ] - On Wednesday, stick around for a Backyard BBQ Luncheon. [ 14:16 ] - Register at PLRB.org under the Events tab. [ 15:05 ] - Mike provides a recap of the scenario and the points above. Your PLRB Resources Visit plrbclaimsconference.org or download the PLRB app to register, find a hotel, sign up for your sessions, and more. 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).

Episode #283!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLJule SalemLinkedIn - Instagram - Salem Solutions Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

The insured felt like she did everything right. She insured the ring when she bought it, kept it scheduled on her policy, kept up with maintenance, and filed a claim right away when it was stolen. She even submitted the original appraisal for $22,000 so the insurance company would know how much to write on the check. So she was shocked when the insurance payout was only $14,000. Apparently diamonds are cheaper today, but she thinks: "shouldn't the appraisal lock in the cost?"   Notable Timestamps [ 00:45 ] - An insured may assume an appraisal amount guarantees payout, but jewelry claims often hinge on policy type and current replacement cost, not the dollar figure listed on the appraisal. [ 02:00 ] - Jewelry appraisals lack a single governing standard; credentials vary widely, making it critical for carriers to evaluate who prepared the appraisal and whether it meets insurer expectations. [ 04:20 ] - Premiums may be based on a scheduled value, yet replacement cost policies aim to restore the item itself, which can result in payouts lower or higher than the original appraisal. [ 06:10 ] - Clear communication from agents and adjusters about agreed value versus replacement cost policies can prevent frustration and disputes when a jewelry claim is settled. [ 08:10 ] - Replacement cost focuses on replicating the exact item—cut, color, clarity, and materials rather than paying the appraisal number, which can change with market conditions. [ 09:30 ] - It is the insured's responsibility to keep appraisals updated; insurers do not automatically adjust jewelry values for inflation or market shifts in metals and gemstones. [ 11:40 ] - Outdated or inflated appraisals can create claim friction, while modern update tools and reminders help carriers reduce underinsurance and improve customer satisfaction. [ 14:45 ] - Early education about policy limits, valuation methods, and appraisal updates builds trust, supports smoother claims handling, and leads to a more positive claims experience. [ 17:12 ] - Brennan summarizes the key points above. Your PLRB Resources CE Course: Jewelry Valuation & Adjustment - https://members.plrb.org/education/courses/jewelry-valuation-amp-adjustment Coverage Question: Agreed Value Settlement For Repair Of Jewelry - https://www.plrb.org/documents/wedding-ring-diamond-replaced-w-o-notifying-insurer-acv-for-original-ring-pcq-2009-10-08/?search=diamond%20value https://members.plrb.org/education/courses/a-deep-dive-into-a-premises-liability-claim-part-1 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).

Episode #282!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLAmy BurtonLinkedIn - Focused Fitness SolutionsHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!Send us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

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).

As you prepare your new year's resolutions, take a moment to ask, "What's your elevator pitch?" This holiday week, we're sharing a classic episode featuring an inspirational and thought-provoking scenario that you can bring into your personal and professional life. A claims adjuster is out at a party when they are asked: "So, what do you do for a living?" Our adjuster responds with just: "I'm in insurance claims." That's an "Oh no" moment. Turns out their cousin had a terrible experience on a claim and our adjuster is going to hear all about it, ending in: "You claims people are all cheaters!"  Notable Timestamps [ 00:36 ] - Today's scenario begins as an interpersonal encounter about explaining your career in insurance, but the elevator pitch is applicable even on claims. [ 02:05 ] - What our claims professional needed was an elevator pitch: a succinct, prepared, organized response. Whether at a party or at a claims site, our adjuster wants to know how to summarize their thoughts in a persuasive way. Ding Ding! Your elevator's here! Are you ready? [ 02:30 ] - Mike was asked: "what's your elevator pitch?" That was an "oh no" moment... [ 03:35 ] - An elevator pitch is a simple presentation that you give in the time it would take to ride an elevator: around 30 seconds. [ 04:18 ] - 1. Grab 'em at the beginning. Get their attention with a great opening. [ 04:25 ] - 2. Tell 'em what you're gonna tell 'em. Be organized in your thought process. [ 04:32 ] - 3. Hit 'em with your bid conclusion/sell/ask. Be brief and practiced. [ 05:11 ] - Alissha: "So, what do you do for a living?" Mike: 1. "I allow you to take the risks to make life worth living." 2. "Without insurance, you wouldn't be able to insure your home or car." 3. "We step in when bad things happen and we hope to get people back on their feet." [ 09:15 ] - Be prepared, be organized, be succinct. [ 10:00 ] - Let's say an insured has suffered a casualty loss. How can an elevator pitch help? 1. "I'm so sorry that this happened." Take a moment to express sincere empathy. 2. Review the medical records / facts. 3. "I know that this has impacted your life, so how about we take care of your damages?" [ 11:50 ] - What's the pitch for a hurricane loss? Again, start off with an emotional connection. Second, spell out the steps to get them back into the place they were before the accident. Third, conclude with the ask and what you need for the next steps. [ 13:35 ] - Mike applies the elevator pitch to auto claims handling. [ 15:42 ] - Mike provides a recap of the scenario and the points above. Your PLRB Resources Mike's PLRB Presents presentation on this topic: https://www.plrb.org/courses/pitching-in-an-elevator-2/lessons/pitching-in-an-elevator/ Webinar: Designing & Delivering Effective Business Presentations - https://www.plrb.org/courses/designing-delivering-effective-business-presentations/lessons/designing-delivering-effective-business-presentations/ Claims Chat: Why Should You Consider Claims as a Career? - https://www.plrb.org/courses/why-should-you-consider-claims-as-a-career/lessons/why-should-you-consider-claims-as-a-career/    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 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).

During this time of year as many people are exchanging presents, I'm sure you're all wondering exactly how those various gadgets would be classified under the HO3 policy. So for this holiday week, we're sharing a classic episode featuring an excellent coverage scenario. The insured, a father of 4, was out buying Christmas gifts for his children. This year he decided to splurge and buy each of them a drone and an Apple Watch. On his way back home, he stopped to get gas, and when he went into the minimart for coffee, a thief stole everything out of the back seat. The insured notified the police and submitted a claim under his ISO 1991-edition HO3. The adjuster considers this to be a covered Theft loss, but she knows there are specific provisions in the policy for watches and aircraft. Notable Timestamps [ 00:17 ] - A theft claim is submitted for four drones and four smartwatches under the 1991 HO3. The question arises whether special provisions for aircraft and watches applies. [ 01:27 ] - The team debates the merits of drones and smartwatches, their capabilities for wall damage and dog-scaring, and the wisdom of being notified emails the instant they are received. [ 03:09 ] - A $1,000 special limit of liability applies to theft of "watches." Is an Apple Watch a watch? [ 03:42 ] - Alissha argues that smartwatches are too different from a basic time-telling watch, and is more like a phone. Smartwatches were likely not part of the original policy intent. [ 04:55 ] - Mike argues that it's called an "Apple Watch" -- its makers and users consider it a watch, even if it's more complex. [ 06:05 ] - The group quotes Shakespeare and Merriam-Webster; it tells the time and it's on your wrist, so… [ 06:30 ] - Grassie v. Merrimack Mut. Fire Ins. Co., 291 A.2d 254 (N.H. 1972) (watches that were inoperable and kept in display case were still subject to special limit of liability for theft of watches). [ 07:00 ] - Ambiguities are construed in favor of the insured. So both sides need to hire a good lawyer. [ 07:52 ] - How would the policy treat an iPhone strapped to your arm? Coverage C would likely provide full coverage for a smartphone. [ 09:51 ] -  "Property Not Covered" includes "aircraft"… but "model or hobby aircraft not used or designed to carry people or cargo" are covered.  [ 10:20 ] - Toy drones likely fall under hobby aircraft. [ 11:15 ] - This scenario looked at what's covered property, but a drone could also be a covered cause of loss, even if it destroys itself. [ 12:40 ] - Unlike BP and CP forms, there's no concern about the loss happening off-premises; homeowners get worldwide coverage for Coverage C. [ 14:19 ] - In the 2022 ISO form, a $2,000 special limit of liability applies to model or hobby aircraft. [ 15:51 ] - Under the recovered property provision, if the thief is caught after the amount is paid, the insured can choose to return the payment or have the insurer salvage the goods. [ 18:00 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources FAQ, Drones and First Party Property Coverage, http://search.plrb.org/?DN=60514 FAQ, Is a Drone an Aircraft Under the CGL Policy?, http://search.plrb.org/?DN=56440 Coverage Question on "Is An Apple Watch Considered A Watch Or A Computer?" - https://search.plrb.org/?dn=58826&src=gsa 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/container.cfm?conlink=sec/cq/default.cfm) 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 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).

Send us a textOne of our favorite shows, Hazbin Hotel, just wrapped it's second season so join us as we discuss the season, it's themes, and what lessons it can teach us! Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Episode #281!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLAmy BurtonLinkedIn - Focused Fitness SolutionsHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

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).

Episode #280!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Alex is a team leader working with a mix of experienced adjusters and brand-new claims professionals, some assigned to the field and others working behind a desk. Alex has to make sure his team has the training they need to approach their work with confidence. Luckily PLRB.org's Education Hub has everything they need to succeed.   Notable Timestamps [ 00:10 ] - The PLRB Education Hub supports team leaders like Alex with training for both new and experienced adjusters to build confidence in handling claims. [ 01:25 ] - Update #1: A new critical thinking course will help adjusters analyze information, decide when to bring in experts, and resolve claims fairly and in good faith. [ 02:20 ] - Update #2: The annual "Claims Resolution" webinar series will address ethics of automation, bad faith in AI, and how emerging tech affects investigations. [ 03:35 ] - Update #3: A new PLRB designation program aims to take adjusters from entry level through line-of-business-specific training with elective options. [ 05:05 ] - The Education Hub offers 200+ recorded webinars, podcasts, modules, and downloadable slide decks as an on-demand claims knowledge library. [ 06:35 ] - "Test Your Claims Knowledge" microlearning modules use flashcards, definitions, photos, and scenarios for quick, interactive training. [ 08:45 ] - Member companies can integrate PLRB courses, webinars, microlearnings, and even this podcast directly into their own LMS platforms. [ 12:55 ] - PLRB will help members curate custom courses by combining videos, quizzes, and interactives in any sequence to match specific training goals. [ 14:10 ] - The library includes 100+ non-CE modules, about 200 podcasts, some 250 recorded webinars, plus many shorter video series for flexible learning. [ 16:25 ] - Mike summarizes the key points above. Your PLRB Resources Upcoming Events: PLRB Conferences & More! https://www.plrb.org/events PLRB Education HUB: https://members.plrb.org/education 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).

Episode #279!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLRenee ScottLinkedIn - YELP - Google - Instagram - FacebookRenee Scott Insurance Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Send us a textMedia coverage of domestic and sexual violence isn't always done the best. But what if it could be improved? How would this change how society views domestic and sexual violence? These are the questions we answer this week with our special guest Natasha Senjanovic!To learn more about Natasha, you can find her on Instagram at @natashama and on LinkedIn at Natasha Senjanovic. Her podcast, Women Like Sex, can be found on Instagram at @Womenlikesex, on BlueSky at @Womenlikesex, or check out her website at Womenlikesex.com! Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Jamie has been a property adjuster for some time now and is ready to graduate to larger and more complex losses involving hurricanes, construction defects, historic buildings, massive commercial structures, and more. Chris is a seasoned large loss adjuster looking to hone their practice in the casualty arena and network with others in their area. To address these questions, we'll take them to the PLRB Large Loss Conference.   Notable Timestamps [ 00:15 ] - The conference attracts adjusters ready to move into larger and more complex losses, giving them exposure to hurricanes, defects, historic buildings, and large commercial structures. [ 01:40 ] - Attendees include seasoned adjusters, newcomers to large loss work, EGAs, casualty specialists, and experts like engineers and forensic accountants, creating a fully integrated learning environment. [ 03:45 ] - Sessions use real or modeled claim scenarios to walk participants through years of handling, highlighting decision points, mistakes, successes, and insights from complex losses. [ 06:20 ] - Topics span property, casualty, liability, business interruption, food contamination, smoke damage, and multi-claimant events, ensuring relevance to a broad range of adjusters. [ 08:52 ] - Presenters use interactive tools—polling, role assignments, breakout groups, and scenario debates—to let attendees test coverage positions and compare investigative approaches. [ 11:45 ] - Networking is built into the event with receptions, meals, and vendor interactions, giving adjusters chances to reconnect with long-time colleagues and meet new industry partners. [ 13:15 ] - Intimate spaces and structured seating make it easy to meet people from across the country, fostering mentorship opportunities and cross-disciplinary conversations. [ 15:20 ] - Mike summarizes the key points above. Your PLRB Resources Upcoming Events: PLRB Conferences & More! https://www.plrb.org/events CE Course: A Deep Dive Into a Premises Liability Claim, Part 1 https://members.plrb.org/education/courses/a-deep-dive-into-a-premises-liability-claim-part-1 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).

This holiday week, we're sharing a classic episode about the PLRB Building Codes department. The adjuster on a hail claim receives a long list of line items that are "required by code." Once the old shingles are torn off, they find rot and gaps in the sheathing, and the contractor says a thicker sheathing is now required by code.    Notable Timestamps [ 00:10 ] - Ice barriers, drip edges, a double felt underlayment... Searching the internet only leads the adjuster spiralling down a rabbit hole. [ 01:30 ] - What internet rabbit holes have you gone down? [ 04:28 ] - With PLRB's updated Address Report, members can provide an address and specify details such as rafter spans. [ 05:05 ] - PLRB's Building Codes Address Report provides the adopted building code for a specific address, ensuring it falls within the correct city boundaries (e.g., Parma, Ohio). [ 06:39] - Hail reports from NOAA are also included, allowing adjusters to confirm if hail was present in the area on the claim date. They also provide state-specific matching information, such as Ohio's "reasonable comparable appearance" standard. [ 08:27 ] - The report includes diagrams that visually differentiate between modern wood structural panels and older lumber sheathing (planks), explaining concepts like H-clips for edge support. [ 11:31 ] - The reports clarify requirements for common contractor-claimed line items, such as ice barriers, confirming if they are required (e.g., statewide in Ohio) and providing links to the source of this information. [ 14:14 ] - The "Ask a code question" button links to a form where building code experts will research the specific inquiry and provide citations and links back to the member. [ 15:44 ] - Ruth provides a recap of the points above. Your PLRB Resources Building Codes Hub & Address Report - https://members.plrb.org/building-codes FAQ: When is Double Underlayment Required? - https://www.plrb.org/documents/when-is-double-felt-underlayment-required/?search=When%20is%20Double%20Felt%20Underlayment%20Required? Ask a Building Code Question - https://www.plrb.org/building-codes/ask-plrb-building-code-question/ 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).

Benny's Liquor, Fireworks & Gunpowder Emporium went up in flames last night. Motion-detector alarms caught the fire and automatically notified the police, who found the fire and called the local fire chief, but by the time they arrived it was too late. Now his insurer claims he violated his Protective Safeguards Endorsement by installing burglary alarms instead of actual fire alarms. Benny doesn't recall anything about this, but apparently it's some paper he signed when he bought the policy. Key Takeaways [ 00:37 ] - Benny's shop burned down, and his insurer denied the claim due to a protective safeguards endorsement violation. [ 01:05 ] - Benny had a motion detector burglar alarm instead of the required fire alarm and does not recall agreeing to the protective safeguards endorsement. [ 06:09 ] - Protective safeguards endorsements require the insured to maintain the specific safeguards named in the policy schedule as a condition of insurance. [ 06:59 ] - If the insured knows of any suspension or impairment in the safeguards, they must notify the insurer or risk losing coverage. [ 08:29 ] - If a safeguard is shut off due to breakage or leakage, repairs must be completed within 48 hours for notification to the insurer not to be necessary. [ 10:47 ] - Courts often follow the strict policy language; simply having a different type of alarm, even if it detected the fire, is not considered compliant. [ 12:04 ] - The protective safeguards endorsement is often found in commercial property or farm coverage, and courts tend to enforce strict compliance. [ 15:15 ] - Coverage can be denied even if the breach of the safeguard duty did not affect the outcome of the loss because compliance is a condition of the insurance. [ 18:11 ] - Beth provides a summary of the key takeaways. Your PLRB Resources Coverage Question: Fire Loss Involving Protective Safeguards Endorsement - https://www.plrb.org/documents/fire-loss-involving-protective-safeguards-endorsement/ Law Review: New Hamilton Liquor Store, Inc. v. Amguard Ins. Co. - https://www.plrb.org/documents/new-hamilton-liquor-store-inc-v-amguard-ins-co-2020/ 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).

Send us a textIn our lives we will eventually have to deal with conflicts. How do we handle that conflict? How do we maintain relationships when that conflict is with people we care about? How do we return back to safety after conflict? These are all questions we answer this week as we are joined again by our friend Aubrey Aust! To learn more about Aubrey, check out her website aubreyaust.com or find her on Instagram at @aubrey__aust! Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Episode #278!The Business of Life Master Class Podcast-https://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLRenee ScottLinkedIn - YELP - Google - Instagram - FacebookRenee Scott Insurance Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Sam is a huge Bears fan. He sets up his brand new smoker in the backyard and put a perfectly seasoned pork shoulder on to cook all day -- just in time for the Sunday Night Bears v. Packers game.  The smoker was near the side of the house, but not directly next to it. After 8 hours, the shoulder was tender and ready to eat… but the insured's siding had melted. Sam seeks coverage for the replacement of the melted siding (and for the pork shoulder he dropped when he saw the damage).   Notable Timestamps [ 00:23 ] - Sonia sets out a tragic game day scenario. [ 01:16 ] - Fire is often defined by courts using dictionary definitions, such as Merriam-Webster's: "the phenomenon of combustion manifested in light and heat". [ 04:38 ] - Scorching analysis suggests black marks may indicate oxidation and a glow (which could be fire damage), while brown marks often indicate high heat damage only. [ 06:58 ] - For insurance purposes, losses must be fortuitous; Sam was trying to smoke meat, not melt the siding, so the damage was fortuitous from his perspective. [ 08:37 ] - Most states rely on "proximate cause", i.e. the dominant or efficient cause that initiates the events, when analyzing causation for claims. [ 09:23 ] - Friendly fire is contained in its usual place (like a stove), while hostile fire is unexpected or uncontrolled and not in its intended location. However, this analysis is not typically used by modern courts. [ 11:43 ] - Sonia provides a recap of the points above. Your PLRB Resources The Future of Insurance Podcast - https://future-of-insurance.com/podcast/ Coverage Question: Smoker Melts Nearby Siding - https://www.plrb.org/documents/named-peril-coverage-smoker-melts-nearby-siding-pcq-2025-02-24-slc-a/ Coverage Question: Christmas Lights Scorched Couch: Is Couch Covered? - https://www.plrb.org/documents/fire-peril-scorched-couch/ 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).

Episode #277!The Business of Life Master Class Podcast-https://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLChris KarloLinkedIn Profile  - X/TwitterTampa Tech CEOs - Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad OnesCheck Your Tears at the Door by Drivin N Cryin - Lucy by Mt. JoyHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Curd Appeal sells the best-looking cheeses on the block, but over the long weekend their refrigerator broke down, and now their limburger isn't the only thing that smells. The owner argues they are covered under the BP 00 03, but the adjuster spots some holes in their argument. The owner hits back with a supplemental endorsement they purchased, hoping to find coverage any way they can.   Notable Timestamps [ 03:00 ] - The five-point process for property coverage analysis includes: covered property, direct physical loss, covered cause of loss, conditions, and additional coverages/extensions. [ 04:37 ] - Mechanical breakdown (like a refrigerator going out) is often an excluded cause of loss in a standard policy. [ 07:18 ] - Supplemental endorsements for food spoilage are designed to work with the base policy and can specify limits and change base policy language. [ 08:59 ] - This food spoilage coverage extension insures against direct physical loss or damage to food stock or food merchandise contained in a refrigeration unit. [ 10:47 ] - The endorsement defines a covered cause of loss to include mechanical breakdown and power outage (change in temperature/humidity). [ 12:31 ] - This food spoilage endorsement often explicitly deletes the mechanical breakdown exclusion from the base policy, but only for that specific coverage extension. [ 13:41 ] - The food spoilage extension may only apply if the loss is not covered by Equipment Breakdown Insurance (an optional policy coverage). [ 14:10 ] - The optional Equipment Breakdown Protection Coverage in the BP 00 03 policy covers direct loss or damage caused by mechanical breakdown or electrical failure of machinery. [ 15:33 ] - The Equipment Breakdown Protection Coverage might exclude leakage at a valve or seal, which is a distinction that could make the supplemental endorsement the only source of coverage. [ 18:31 ] - Brennan provides a recap of the points above. Your PLRB Resources Property Question of the Week: Food Spoilage under BP and CP Forms – No Off-Premises Power Outage - https://www.plrb.org/documents/food-spoilage-under-bp-and-cp-forms/ Property Question of the Week: Mechanical Breakdown of Freezer: Food Covered? - https://www.plrb.org/documents/mechanical-breakdown-of-freezer-food-covered/ 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).

Air Date 11/02/2025 A lot of people on the left aren't feeling the love for their country right now and that's understandable but we have some thoughts on more productive ways to channel those conflicting feelings toward a country that is currently falling far short of living up to its founding ideals. Be part of the show! Leave us a message or text at 202-999-3991, message us on Signal at the handle bestoftheleft.01, or email Jay@BestOfTheLeft.com Full Show Notes Check out our new show, SOLVED! on YouTube! BestOfTheLeft.com/Support (Members Get Bonus Shows + No Ads!) Join our Discord community! KEY POINTS KP 1: Democracy's Morticians Steven Levitsky and Daniel Ziblatt on 'How Democracies Die' Part 1 - Lawfare Archive - Air Date 5-1-18 KP 2: How Trump Changed the World with Anne Applebaum Part 1 - PoliticsJOE Podcast - Air Date 6-14-25 KP 3: Giving Up Is Unforgivable with Joyce Vance Part 1 - Stay Tuned with Preet - Air Date 10-23-25 KP 4: How to FIGHT Mob Boss Politics in America with Senator Andy Kim Part 1 - How to Fix It with John Avlon - Air Date 10-19-25 KP 5: Unitary Executive Meets Textualism Part 1 - #SistersInLaw - Air Date 10-11-23 KP 6: How Underdogs Build Power Stephanie Luce Part 1 - Future Hindsight - Air Date 10-23-25 KP 7: Reclaiming Patriotism From Trumps America with Ted Johnson Part 1 - How to Fix It with John Avlon - Air Date 4-27-25 (00:59:59) NOTE FROM THE EDITOR On how the Left embraces the contradictions of the US DEEPER DIVES (01:10:45) SECTION A: SOCIETAL DRIVERS (01:47:04) SECTION B: INSTITUTIONAL EROSION (02:18:26) SECTION C: MILITARIZED LAWFARE (02:41:12) SECTION D: PATRIOTISM AND NARRATIVE SHOW IMAGE CREDITS Description: Composite image of the Declaration of Independence with three question marks on top filled with the image of the American flag. Credit: Internal composite design. Images via Pixabay. | Pixabay License   Produced by Jay! Tomlinson Visit us at BestOfTheLeft.com Listen Anywhere! BestOfTheLeft.com/Listen Listen Anywhere! Follow BotL: Bluesky | Mastodon | Threads | X Like at Facebook.com/BestOfTheLeft Contact me directly at Jay@BestOfTheLeft.com

Send us a textTrue Crime is an incredibly popular genre, but often the stories that are being told are not done in a way that is respectful to the victims and their families. How can true crime be not only told in an ethical way, but also become a tool for gaining empathy? These are questions we answer today with our special guest, Ashley of the F**k That Podcast! For more about Ashley and the F**k That Podcast head to fthatpod.com or find her on Instagram at @fthat_pod or on Tik Tok at @fthatpod.Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

"Simply the Vest" is a dry cleaning service with a basement full of supplies, tools, clothing, and… water. After a heavy rain, the owners discovered that their sump pump had failed, causing water to back up into the basement, resulting in damage to their property. Under their BP 00 03 form, coverage for this cause is firmly excluded. However, they paid for a supplemental endorsement with some interesting technicalities… Notable Timestamps [ 02:43 ] - When assessing coverage, always start with the underlying policy form before reviewing any endorsements, ensuring clarity on the initial coverage. [ 05:32 ] - Supplemental coverages given to an insured typically identify specific needs that they have in the transaction and provide clear limits for each supplemental coverage provided. [ 08:11 ] - Endorsements can provide additional coverage for water-related claims like backup and overflow or mold, which are generally types of losses that would otherwise be excluded. [ 11:18 ] - Determining coverage requires looking at the exact policy language, fitting it to the specific scenario, and matching facts to the policy language. [ 13:45 ] - Sump pump issues often involve power outages (necessitating battery backup) or mechanical breakdown, but each claim has to be assessed based on its individual merits. [ 15:23 ] - An endorsement providing additional water backup coverage may also modify or replace the existing water damage exclusion found in the underlying BP policy. [ 17:49 ] - If a loss isn't excluded under the underlying policy, the supplemental coverage-- which could be subject to a lower limit-- would not be needed. [ 16:18 ] - Brennan provides a brief conclusion. Your PLRB Resources Coverage Question: Sump Pump vs. Septic Pump - https://www.plrb.org/documents/sump-pump-vs-septic-pump-pcq-2024-09-24-dwf-b Property Question of the Week: Sewer Backup Coverage vs. Flood Exclusion - https://www.plrb.org/documents/sewer-backup-coverage-vs-flood-exclusion/ 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).

Episode #276!The Business of Life Master Class Podcast- https://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLChris KarloLinkedIn Profile  - X/TwitterTampa Tech CEOs - Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad OnesCheck Your Tears at the Door by Drivin N Cryin - Lucy by Mt. JoyHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

We are experiencing some technical difficulties with today's episode, so instead I thought I would share two clips that were previously cut for time. In these clips, Dana Grodin and Alison McLaney, both of Gemcor and Digipraise, answer our burning questions about diamonds, lab-grown and natural. I'll re-insert their introduction before we hop into the clips, but the rest of the material has never appeared on this feed before. You might have caught it if you subscribe to our YouTube channel, so if you like these quick hits head over there for more.    Notable Timestamps [ 00:50 ] - Introducing Dana Grodin & Ali McLaney of Gemcor & Digipraise. [ 03:33 ] - Beginning of the clip "I Didn't Think a Diamond Could Chip!" Although diamond is the strongest material known to mankind, it has weak points and structural bonds, meaning hardness does not equate to avoidance of chips. [ 05:00 ] - The myth of a "flawless" diamond is common, but most diamonds have clarity characteristics (crystals/clouds) that act as weak points visible under magnification. [ 06:15 ] - Gemcor determines if an imperfection breaks the surface, constituting damage, and investigates if the damage is new or pre-existing, noting mounting condition. [ 08:53 ] - Beginning of the clip "What is a Lab-Grown Diamond?" Lab grown diamonds are chemically and physically identical to natural diamonds. LGDs have exploded in popularity, now representing 50% of engagement ring sales.  [ 09:45 ] - Unlike natural diamonds created over millions of years, LGDs are grown in a lab in about 30 days, resulting in them being thousands of dollars less expensive. [ 10:45 ] - Differentiation between natural and lab grown diamonds requires very high-quality, specialized equipment because standard diamond testers and visual inspection fail. [ 12:00 ] - Ethically, all lab grown diamonds should have a laser inscription (e.g., LG) on the girdle, but vendors sometimes omit this marking, creating significant disclosure risk. [ 16:18 ] - Brennan provides a brief conclusion. Your PLRB Resources Podcast Episode: "You Can't Salvage My Mother's Ring!" https://youtu.be/Ijph_AuQZq4 Podcast Episode: The Lab-Grown Mismatch: One Earring, One Surprise https://youtu.be/zp8UUIqQ9Q0 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).

Send us a textSocietal norms for women often push them to believing their life's goal is to get married and have kids. While that may be the goal for some women, that isn't the goal for all. So how did we get here? How are women taught to put nurturing and caring for others before themselves? How can we help women see they have more than one option? These are the questions we discuss today with our special guest Fanny Tristan! For more about Fanny and Her Soul Supply check out hersoulsupply.com. You can also find her on Instagram at @hersoulsupply and TikTok at @Hersoulsupply.Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

This is a holiday week for the podcast, so we're replaying a classic episode. This episode has been lightly edited to remain accurate to the upcoming 2025 Large Loss Conference taking place at the Gaylord Texan Resort & Convention Center in Grapevine, TX on Wednesday November 12 through Friday November 14. We'll be back next week with our regularly scheduled episode.   Today our adjuster is leveling up in their career and handling their first large loss property claim. The adjuster quickly runs into trouble-- where can a claims professional go for help? This November 12 - 14 in Grapvine, TX, join PLRB for the 2025 Large Loss Conference.   Notable Timestamps [ 00:39 ] - Alissha asks HERSELF "what's the scenario?" This scenario features late notice, Category 3 water, and additional damage during a claim. [ 03:24 ] - Late notice issues? Attend the educational session "It's Too Late, Baby, It's Too Late: Navigating a Late Reported Large Loss" with Andy Rock (Rock Law Group). [ 04:34 ] - For water mitigation issues, check out "Interpreting the Microbiology of Storm Damage" with Jeremy Beagle (SDII Global). [ 05:05 ] - For other large storm issues, see "A Coastal Catastrophe: Navigating a Large Hurricane Loss in the Northeast" with Anthony Antonellis and Brendan Labbe (both of Sloane and Walsh LLP). [ 05:45 ] - The Large Loss Conference is intended for claims professionals involved in these losses or hoping to get experience with larger claims, as well as the experts, attorneys, and accountants who provide insights on these claims. [ 06:43 ] - The Large Loss Conference is differently structured than PLRB's other conferences. The educational sessions are 90 minutes long, often more focused on case studies, and involve more interactivity. [ 07:56 ] - Andrew features the educational session "Back to the Future: How Adjusters Can Use Forensic Meteorology in Hail and Wind Claims" with Howard Altschule (Forensic Weather Consultants). [ 08:48 ] - The Large Loss Conference features many casualty and personal lines sessions as well, such as "We Didn't Start the Fire: Was it Smoking or Smokin'" with David Heemann (Mutual of Enumclaw), Pete Fowler (Fowler Construction Consultants), and Jennifer Kalvestran (Anderson, McPharlin & Conners LLP). [ 11:08 ] - The conference's general session will feature "Whoever Said Insurance Was Boring? 30 Years of Fascinating Claims Stories" with Steve Badger (Zelle LLP). [ 11:56 ] - Most educational sessions are approved in FL, TX, DE, NC, and OK Continuing Education credit, and even some courses approved for GA CE credit! [ 12:56 ] - To register, visit PLRB.org and click on the banner on the main page OR the Events tab. Registration is free for members. [ 13:50 ] - Maria McNally will be available to discuss membership or website questions. [ 14:45 ] - Alissha provides a recap of the scenario and the points above. Your PLRB Resources PLRB's Events tab: https://www.plrb.org/plrb-events/ Direct Link to PLRB's Large Loss page: https://www.plrb.org/event/plrb-2025-large-loss-conference/ 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 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).

Episode #275!The Business of Life Master Class Podcast-  https://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLDennis HartinLinkedIn Profile - Instagram - X/TwitterElevate, Inc.@FluffyFloridaHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Today's insured looked out the window and saw that a windstorm with strong 50 MPH sustained winds had kicked up soil from their neighbor's farm fields. The soil accumulated in layers over their home, garage, pool, hot tub, and all their beautiful landscaping. The garage door was open, so their home carpentry workshop and storage was covered in dirt. Even their koi pond was buried in the soil. None of the buildings were structurally compromised, but the insured will need a professional cleaning.   Notable Timestamps [ 08:03 ] - Direct physical loss can include the cost of exceptional cleaning effort for a dwelling or other structure, even if no permanent damage occurred. [ 10:20 ] - Water in a pool or pond is likely not covered property under a standard homeowners policy due to a "property not covered" provision for water. [ 11:23 ] - The cost to drain and refill a pool may be covered if necessary to repair damage to the structure itself. [ 13:46 ] - Personal property inside a building is only covered for windstorm damage if the wind first created an opening (like to the roof or siding) through which dirt or dust entered. [ 15:02 ] - Personal property located outside a building, such as patio furniture, would be covered for damage from wind or a dust storm. [ 16:35 ] - Animals, including koi fish, are generally excluded from personal property coverage in a standard policy, often requiring a special endorsement. [ 19:14 ] - Damage to landscaping, trees, shrubs, and plants is an additional coverage, and windstorm is typically not one of the few named perils that apply. [ 20:47 ] - Beth provides a recap of the points above. Your PLRB Resources TYCK: Wind Blew Dirt On My Koi Fish - https://members.plrb.org/education/courses/wind-blew-dirt-on-my-koi-fish Coverage Question: Overflow from a Sump: Does It Apply to Water from a Drainage Line? (Another Koi Fish Hypothetical) - https://www.plrb.org/documents/overflow-from-a-sump-does-it-apply-to-water-from-a-drainage-line-pcq-2017-06-07-jch-a 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).

Send us a textWe always "communication is key" in relationships, but how do we know if our communication is healthy? How we do improve our communication skills and how do we know if communication is going well? Well we cover all of that and more this week with our special guest Raffi Bilek! For more about Raffi check out thecommunicationbook.com. To follow Raffi's find him on Instagram at @the.marriage.mentor! To purchase Raffi's book, The Couples Communication Handbook, head to Amazon HERE!Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Beatriz is a city dweller who never learned how to drive a car. However, recently she got tired of the train and decided to get an E-bike. She bought an old E-bike off a friend, purchased a battery from AftermarketBatteries.biz, and soon was zipping through the streets. Her friends even got her a "bumper sticker" that reads "Beatriz's Car" for the side. But one night, it caught fire while charging outside her apartment door. Is it a covered motor vehicle under the standard ISO HO-3 form?   Notable Timestamps [ 00:00 ] - E-bikes are becoming increasingly common in cities, raising new insurance questions, particularly around how coverage applies when losses occur. [ 02:23 ] - E-bike Trivia: Rainy Days & Freezing Batteries [ 04:12 ] - Coverage disputes often center on whether an e-bike qualifies as a motor vehicle under the HO3 form, with fire and theft being frequent causes of loss. [ 06:34 ] - E-bikes are classified into three classes based on speed and power, which affect where they can be ridden and complicate insurance coverage determinations. [ 08:24 ] - The 2022 HO3 form clarified that e-bikes with throttles are motor vehicles, unlike the 2011 edition, which did not define related terms. [ 11:42 ] - Pedal-assist-only e-bikes are generally not considered self-propelled, but throttle-equipped bikes risk being excluded as motor vehicles under certain policies. [ 13:22 ] - Policy language can lag behind technology, creating a gap where there is uncertainty in coverage. [ 16:14 ] - Expensive e-bikes may require endorsements for coverage, since they can fall into property-not-covered provisions under homeowners insurance. [ 17:05 ] - Urban fires linked to aftermarket batteries prompted new laws, such as requiring UL Certification in New York, to improve e-bike safety. [ 19:17 ] - Sonia provides a recap of the points above. Your PLRB Resources Coverage Question: Is an E-Bike Considered a Motor Vehicle in Minnesota? https://www.plrb.org/documents/is-an-e-bike-a-motor-vehicle-in-minnesota-pcq-2024-11-11-jch-a FAQ: E-Bikes and First Party Issues https://www.plrb.org/documents/e-bikes-and-first-party-issues/?search=ebike Recorded Webinar: Transportation Network Companies: Driving into the Future Webinar https://members.plrb.org/education/courses/transportation-network-companies-driving-into-the-future-webinar 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).

Episode #274!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLDennis HartinLinkedIn Profile - Instagram - X/Twitter Elevate, Inc.@FluffyFloridaHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Episode #273!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLSusie PecuchLinkedIn ProfileYoutubeDesign the Customer ConversationTHAT BUSINESS SHOW - Jan 2017 Chuck SIMIKIAN  Blog Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

A few months ago, today's insured decided to jump into the latest trend for a lot of suburban dwellers, and he got some chickens! He built a chicken coop and a caged in area for the chickens to be safe from predators. The coop itself looks like a very large shed with a fenced-in area extending from the coop. The insured calls up their agent to ask if there's coverage for the coop under their HO 00 03 03 22 policy covering their home and an attached garage.   Notable Timestamps [00:00] - A homeowner built a large chicken coop and asked their insurer whether it was covered under their 2022 homeowners policy. [02:00] - The hosts dive into trivia, noting that chickens are genetically the closest living relatives to the T-Rex. [05:00] - Coverage depends on construction: a coop attached to the house may fall under Coverage A, but detached coops lean toward Coverage B or C. [07:30] - One key test is portability: if the coop can move with the owner, it likely counts as personal property under Coverage C. [10:00] - Courts consider a variety of factors, e.g. how the coop is affixed, its adaptation for use, and the owner's intent to keep or move it. [12:30] - Some coops are deliberately not anchored to protect against flooding or predators, adding complexity to coverage classification. [14:25] - Similar issues arise with swing sets, pools, and other backyard structures—each must be evaluated individually. [15:15] - Selling eggs could cross the line into business use, potentially excluding coverage under standard homeowner policies. [18:00] - Coverage type affects settlement: Coverage B buildings may qualify for replacement cost, while Coverage C property is typically ACV. [20:00] - Beth provides a recap of the points above. Your PLRB Resources Coverage Question: Other Structures Used for Business – Raising Chickens https://www.plrb.org/documents/other-structures-used-for-business-raising-chickens/ Other Structures: Can Some Items Be Treated As Either Coverage A Or Coverage B Property? https://www.plrb.org/documents/other-structures-can-some-items-be-treated-as-either-coverage-a-or-coverage-b-property-pcq-2022-01-17-jem-a/?search=other%20structures 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).

Send us a textMen, especially black men, are often lacking spaces to talk with other men about themselves and their experiences with victimization and harm. This gap was identified by this weeks guest Martin Henson in response to the #MeToo and he created BMEN with the idea of exploring healthy ways to respond to sexual harm, and expanded to a holistic focus on building spaces for black men to process their unique experience. Join us as we discuss the work BMEN does, how they engage men, and how we can start to create spaces for more men to have conversations about how they navigate the world. For more information about BMEN check out bmenfoundation.org. To follow Martin's work, follow him on Instagram at @tillwefree, on Twitter at @tillwefree, and Medium at @tillwefree! Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Mia is a mid-level claims specialist with about five years' experience in the job. One afternoon, she gets a call from a customer named James. He's frustrated—bordering on furious. He's been waiting for an update about his property claim, and from his perspective, no one communicated anything. He feels ignored. He's escalating. Mia can tell this is going to be a difficult conversation. But instead of reacting defensively—or shutting down—she mentally runs through the CLEAR model.   Notable Timestamps [ 00:30 ] - The "CLEAR Method" module, developed with Equis Consulting, helps insurance professionals handle difficult circumstances and challenging customers effectively. [ 01:25 ] - The CLEAR Model is applied when an adjuster, Mia, handles a reassigned property claim from James, who is furious due to a lack of updates. [ 04:40 ] - "C" is for Connect; acknowledge the customer's emotions and frustration early to build trust and prevent escalation into a confrontational "fight or flight" situation. [ 07:05 ] - "L" is for Listen; allow frustrated customers to vent without interruption, actively hearing their concerns to gather clues and make them feel heard, without becoming defensive. [ 09:55 ] - "E" stands for Engage; avoid industry jargon and maintain a calm tone. Ask angry customers to list their top three priorities to shift them from emotional to logical thinking. [ 11:25 ] - "A" is for Acknowledge; recognize the customer's frustration without accepting blame or fault. This helps build trust and moves the conversation forward positively. [ 13:20 ] - "R" means Resolve; define next steps and set priorities to move the claim towards resolution. Under-promise and over-deliver on commitments to build trust and ensure follow-through. [ 16:35 ] - Mike provides a recap of the points above. Your PLRB Resources New Course: Handling Challenging People and Difficult Circumstances - https://members.plrb.org/education/courses/handling-challenging-people-difficult-circumstances-course Guest Site: Equis Consulting & their podcast “Leadership is the Conversation” - https://equisconsulting.com/ 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).

Episode #272!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLSusie PecuchLinkedIn ProfileYoutubeGDA Speakers - Design the Customer ConversationHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Episode #271!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLTour Du Mont Blanc (TMB)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Send us a textFilm and art have a way of allowing us to build empathy for others and explore experiences we may never have. Dawn Dusk is a great example of that. Join us as we chat with directors Jason and Blue about their recently released documentary, Dawn Dusk, which explores the story of Chelli Look, a leather bag designer whose sister was murdered and who found her artistic voice through forgiveness, and how film can be a tool for social change! To watch "Dawn Dusk" head to tubitv.com/movies/100041659/dawn-dusk and to learn more about the documentary and Chelli, head to dawnduskfilm.com.To learn more about Blue and Jason, check out their website jasonandblue.com or find them on Instagram at @JasonandBlue! Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Episode #270!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLRolfe ArnhymLinkedIn ProfileUSF Digital MarketingInstagram - Vistage Florida - Start Everything Finish NothingThe Story about the ringHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!