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Property Insurance Roundtable

Updated 5 days ago

Rank #91 in Business News category

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Adjusters International’s Property Insurance Roundtable features property insurance experts discussing current issues affecting first party claims. Each podcast focuses on a critical topic that is currently trending within the property insurance industry and includes real life examples intended to improve disaster preparedness.

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Adjusters International’s Property Insurance Roundtable features property insurance experts discussing current issues affecting first party claims. Each podcast focuses on a critical topic that is currently trending within the property insurance industry and includes real life examples intended to improve disaster preparedness.

iTunes Ratings

6 Ratings
Average Ratings
3
0
0
1
2

Love it

By flying64Q - Jan 23 2019
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I think I am only one that he gets excited when to listen to insurance podcast

Good content but terrible recording quality

By incognito82 - Nov 25 2018
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Is the woman recording inside of tunnel? Terrible recording quality. Otherwise great program. Too bad.

iTunes Ratings

6 Ratings
Average Ratings
3
0
0
1
2

Love it

By flying64Q - Jan 23 2019
Read more
I think I am only one that he gets excited when to listen to insurance podcast

Good content but terrible recording quality

By incognito82 - Nov 25 2018
Read more
Is the woman recording inside of tunnel? Terrible recording quality. Otherwise great program. Too bad.
Cover image of Property Insurance Roundtable

Property Insurance Roundtable

Updated 5 days ago

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Adjusters International’s Property Insurance Roundtable features property insurance experts discussing current issues affecting first party claims. Each podcast focuses on a critical topic that is currently trending within the property insurance industry and includes real life examples intended to improve disaster preparedness.

Rank #1: Common Exposures and Losses Faced by Multi-Family Complexes (Apartments and Condos)

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This discussion will take an in-depth look at insuring the many exposures and losses that result from disastrous catastrophes. While multi-family buildings offer many amenities to residents such as maintenance and lawn care, which allow for a simplistic and flexible lifestyle, the insurance policy to cover them are anything but. Apartments and condos are often inadequately insured, and the risk posed for those who own or reside in them is high. For further insight on this topic, please see the corresponding Adjusting Today article: “Multi-Family Complexes (Apartment and Condo): An In-Depth Look at Insuring the Many Exposures and Losses.

Key Takeaways:

[1:57] Defining what constitutes a multi-family property.

[2:19] How do multi-family exposures differ from typical residential or commercial exposures?

[3:13] Why, by law, must multi-family property owners purchase adequate insurance coverage?

[4:45] Does preparing a multi-family policy take more foresight and planning than a conventional homeowners policy?

[6:54] A 2014 study by the National Multi-Family Council, found approximately 43,267,432 Americans live in rental properties, and a survey by the Insurance Information Institute reported 94,000 fires recorded in apartment buildings the same year; do these figures surprise you?

[8:09] Are rental apartments, condo, and cooperative apartments insured in the same way?

[9:29] How are condominium and paired homeowner associations insured? Does it differ from apartment complexes? What two kinds of ownership are available for condos?

[13:54] What is the building's management responsible for insuring?

[14:57] What is a unit owner or renter responsible for?

[16:35] What will standard building coverages, provided by the Insurance Services Office (ISO) include for a multi-family complex?

[17:26] What additional coverages are available for apartments and condos?

[21:25] What types of coverage are available to protect owners and residents from disasters?

[22:19] What exclusion may arise from the type of coverages previously discussed, and are there additional coverages policyholders can purchase to counteract these exclusions?

[25:53] What role does a deductible play in these claims, and how should one select a deductible amount when purchasing a policy?

[32:31] What are unique insurance issues for apartments in comparison to condominiums?

[36:00] What are lease provisions, and why are they important when processing property insurance claims?

[38:45] What types of crime exposures face apartment owners, and is there coverage for this?

[42:30] What types of non-residential exposures do apartment building owners face, and are there additional insurances they can purchase to protect themselves from these risks?

[44:31] What types of loss control and safety measures can be taken to reduce property insurance and remediation costs?

[46:48] What are common problems that come up when adjusting multi-family complex losses?

[50:55] Are there any changes on the horizon for this type of coverage?

[53:55] One piece of advice on multi-family complex coverages.

Panelists:

Bill Sharpe – Regional Director - Jansen/Adjusters International

Josh Scott – Professional Public Insurance Adjuster - The Greenspan Co./Adjusters International

Todd Thomas – Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International

Moderator:

Brianna Moyer – Digital Marketing Manager – Adjusters International

Mentioned in This Episode:

Adjusters International

Adjusting Today

National Multi-Family Housing Council

Insurance Information Institution

Jul 03 2017

49mins

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Rank #2: Adjusting Today Issue #3037 – Builder’s Risk Insurance

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This podcast and the corresponding Adjusting Today article titled, "Builder’s Risk Insurance: Specialized Coverage for Construction Projects" focus on a policyholder and which steps they should take to ensure there is adequate insurance coverage on their upcoming or existing new construction project. Important points of this roundtable include identifying exposures, increased costs due to the shelf-life of previously acquired bids and basing your Builder’s Risk Insurance policy on the anticipation of a total loss. 

Key Takeaways:

[1:14] How to define Builder’s Risk Insurance.

[2:31] Who purchases Builder’s Risk Insurance?

[3:51] When a building is being constructed what kinds of risks is it exposed to?

[5:54] Who and what can be covered under a Builder’s Risk policy?

[10:31] How do you define the term builder?

[13:22] Does this policy cover materials in transit to the job site as well as when materials are in storage awaiting transit?

[18:03] What is the best way for a buyer to get adequate coverage?

[21:06] What are common errors on the Completed Value Form?

[27:43] What is the difference between a Completed Value Form and a Reporting Form?

[31:07] What role does a deductible play when calculating penalties relating to Builder’s Risk Insurance?

[32:40] What are examples of covered causes of loss and exclusions under a Builder’s Risk policy.

[45:38] What options are available if a Builder’s Risk policy is terminated but there is still work to be completed on the building?

[51:41] What beneficial optional coverages are available for a policyholder to add in a Builder’s Risk policy?

[57:32] What is Contingent Coverage with regards to Builder’s Risk Insurance?

[1:02:04] Who should a person seek out when investing in an insurance policy or after sustaining a loss?

Panel of Insurance Experts:

Tony D’Amico, Senior Vice President at Goodman-Gable-Gould /Adjusters International

Jim Mahurin, Risk Management Consultant and member of the Society of Risk Management Consultants

C. Todd Thomas, Executive Director of Consulting and Services and member of the Society of Risk Management Consultants -  Adjusters International 

Mentioned in This Episode:

Adjusters International

Adjusting Today - Builder’s Risk Article #3037

Jul 01 2016

1hr 13mins

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Rank #3: When Disasters Become Real: Our Public Adjusters’ Recollection of Memorable Cases

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Today we will be discussing the ins and outs of various interesting insurance claims that our expert panelists have handled and adjusted successfully. These memorable cases range from a fire at a Midwestern school to two New York City buildings that were damaged during Hurricane Sandy. Our panel of experts has extensive experience in the public adjusting industry, and will guide us through our discussion.

[1:40] Electrical Fire in a Special Needs School — Chuck Sorrell

  • Chuck describes a fire at a special needs school in Minnesota.
  • The ways Chuck's company differed from the carrier’s consultant.
  • Settlement details
  • Client feedback

[13:56] Fire in a Fast Food Restaurant

  • The client had the proper coverage.
  • This claim was unique because the insured was put in a position to manage sub-contractors.
  • The challenges included a business hierarchy and a million dollar discrepancy.
  • Lessons learned from this claim
  • Other unique aspects to this claim and ADA ordinance issues

[25:10] Major Loss from Hurricane Sandy — Keith Hayman

  • Water surges from Hurricane Sandy destroyed the mechanical system.
  • The details of how Keith’s team was able to assist the client
  • Green tag alerts the building department that the building is able to be inhabited.
  • This situation was unique because there was a sub limit cap on one building only.
  • Adjusters International helped the client to retain their monthly income and to enhance the integrity of their asset.
  • Challenges for this claim included difficulty with elevator banks and dealing with multiple decision makers.

[35:21] Triple Net Property Lease Claim — Jim Mahurin

  • The client had a substantial Leasehold Interest Policy
  • The problems incurred during the handling of the claim.
  • Why the agent who sold the policy is to be commended.
  • The insured was paid and had no complaints about the settlement.
  • How knowing your exposures can help you reduce risk with the correct insurance coverage.
  • What is a triple-net value lease?

Panelists:

Chuck Sorrell — Owner — Xpert Consulting Services

James R. Mahurin — Risk Management Consultant and member of the Society of Risk Management Consultants

Keith Hayman — Senior Vice President — Goodman-Gable-Gould/Adjusters International

Todd Thomas — Executive Director of Consulting Services and member of the Society of Risk Management Consultants — Adjusters International

Moderator:

● Marjorie Zeoli Musick, Social Media Specialist – Jansen/Adjusters International, Globe Midwest/Adjusters International, and Adjusters International/Basloe, Levin & Cuccaro

Mentioned in This Episode:

Adjusters International

Adjusting Today

Aug 15 2017

47mins

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Rank #4: Adjusting Today Issue #3015: Hail Damage Can Create Difficult Insurance Claims

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Hail can cause hard to see dents and fissures in and around your property or home. A regular inspection schedule can help you, the policyholder, to ensure your claim is filed in an appropriate amount of time and that small damages are not overlooked. Professionals such as public adjusters are available to you when hail damage occurs and they are able to assist you in filing your claim. This episode has real advice from real people in the business of adjusting. Listen in to get your hail damage questions answered.

For further information on this topic, please read our corresponding Adjusting Today article: "Hail Damage Can Create Difficult Losses"

Key Takeaways:

[1:10] Why is hail damage so difficult to detect on a property?

[3:57] The definition of cosmetic damage in insurance terms and how it relates to hail damage

[5:53] Why is hail damage on the surface a cosmetic issue rather than a functionality issue?

[9:15] If hail storms happen frequently, will replacing a roof stop the damage?

[10:11] Defining ISO and AAIS endorsements

[13:20] Are there exclusions to the endorsements?

[13:57] Does the type of roof matter for coverage?

[14:29] How are roofs covered in HOA’s and multi-family policies?

[15:53] What does the actual cash value adjustment of roof surfacing provide for policyholders?

[17:19] Will you have problems getting a roof replaced if it is over 20 years old?

[18:57] What is the best way for a policyholder to prevent hail damage on their property?

[22:08] What do insurers need to know about hail damage claims and cosmetic damage?

[23:53] Additional discussion points...

[24:52] If a client replaces a roof under an insurance claim are they able to get future coverage?

[25:41] Additional discussion points regarding hail damage...

[27:41] What happens when water damage is caused by hail damage?

[28:52] Figuring out the root cause of the damage after a weather event

[30:36] Which professionals are available to help policyholders in the event of a claim?

Panel:

Jim Beneke - President of The Beneke Co./Adjusters International

Steven Vanuga - Regional VP - Adjusters International/Basloe, Levin & Cuccaro

Dennis Romero - Regional Adjuster - Adjusters International

C. Todd Thomas - Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International

Mentions:

Adjusters International

Mar 03 2016

32mins

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Rank #5: Adjusting Today Issue #3004: Expecting the Unexpected Part of the Unexpected

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Policyholders may not realize the benefits of hiring a public adjuster until they understand the complexities and time required to prove and file an insurance claim. Disaster claims are a difficult type of claim to handle for commercial business owners whose core business is not insurance. Understanding ambiguous policy terminology of individual insurance providers and applying them to a claim are both solid reasons to hire a public adjuster. Public adjusters work for your business to maximize your claim in the event of a disaster. 

For further information on this topic, please read our corresponding Adjusting Today article: "Expecting the Unexpected Part of the Unexpected."

Show Notes:

  • Actual Cash Value (ACV): The value of property immediately before loss taking into account its "used" condition, wear & tear, etc.; usually considered the "depreciated value" although "market value" and obsolescence may sometimes also be taken into account.
  • Replacement Cost: The cost to replace lost or damaged property new, with no deduction for depreciation or obsolescence.
  • Selling Price Clauses: Clauses that allow the insured to recover loss of finished goods at selling price, including the loss of profit.

Key Takeaways:

[1:48] Is it possible to be 100% prepared for a natural disaster?

[6:27] What is the difference in evaluating a policy on cost versus post-lost, for a policyholder? 

[9:57] What are some real world disasters that are not commonly thought about?

[23:06] Is there a timeframe in which people are able to add disaster coverage to their policy?

[25:10] What key items should a policyholder consider in the pre-loss, planning stages?

[33:32] Understanding the terminology used in today’s policies:

  • Actual Cash Value - Replacement cost less physical depreciation
  • Replacement Cost Coverage
  • Selling Price Clauses

[41:43] Where should a policyholder go when they feel they need additional clarification?

[43:51] What is the policyholder responsible for, following a loss?

[53:46] Do commercial policies cover the charges for professional fees or public adjusters?

[1:03:34] Informative articles on this subject and others are available on the Adjusters International website

Panelists:

Ron Cuccaro – Executive Chairman at Adjusters International

John Marini – President and CEO at Adjusters International

Tony DAmico – Senior Vice President at Goodman-Gable-Gould/Adjusters International

C. Todd Thomas – Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International

Links:

Adjusters International

Dec 14 2015

1hr 5mins

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Rank #6: Adjusting Today Issue #3033: Flood – Understanding and Recovering from One of Nature’s Worst Disasters

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Our flood insurance industry experts answer your flood insurance questions.  This roundtable will help you understand which types of damages will be covered and excluded by flood insurance coverage. Replacement cost value and actual replacement value are discussed in length to prepare you for acquiring new policies as well as updating your existing ones. It is recommended you understand all aspects of your policy provisions. For further information on this topic, please read our corresponding Adjusting Today article: "Flood: Understanding and Recovering From One of Nature's Worst Disasters."

Key Takeaways:

[:58] What is the National Flood Insurance Program (NFIP) and why is it necessary to hold one of these policies?

[2:05] If a community does not have a floodplain management plan, can a policyholder still purchase flood insurance?

[3:00] Will the Federal Emergency Management Agency (FEMA) help in my recovery from a large flood disaster?

[4:14] What are the guidelines for a flood insurance claim with the NFIP?

[4:30] If a home or business lies outside of a floodplain area, is it still possible to carry flood insurance through the NFIP?

[5:19] What can a policyholder expect in terms of premium costs?

[8:48] Can shopping insurance companies find a policyholder better rates and policies on flood insurance?

[10:06] What coverages are included in a flood policy from the NFIP?

[11:23] Who would adjust a NFIP policy claim?

[12:26] Will flood insurance cover all contents inside and outside of a home/business?

[13:48] Explain the ‘Increased Cost of Compliance Coverages’ and how it could affect a policyholder’s recovery.

[16:27] Will deductibles come into play with these policies?

[16:43] By holding a standard insurance policy and a flood insurance policy, can an insured expect to be covered in full for their loss? What would be excluded by holding the two policies?

[18:57] Are there coverage and limit differences between standard built homes and manufactured housing?

[19:58] How does Replacement Cost Value and Actual Cash Value come into play when going through a flood claims process?

[21:05] Will a flood policy provide Business Interruption and Extra Expense Coverage?

[25:25] Garden-style apartments are popular and offered by a lot of apartment communities. How will a flood policy cover this type of abode?

[28:03] Has there ever been loopholes or unforeseen circumstances where a tenant of a garden-style apartment has been fully covered?

[29:18] What is the most important thing an insured should do to achieve a fair settlement when undertaking a flood insurance claim?

[31:59] Why would an insured need the help of a public adjuster when handling a flood loss?

[33:49] What roles do the people involved play in a claim? Why can an insurance company adjuster not handle all of it?

[35:42] Are there any problems with flood risk assessments?

[37:38] Things to consider when dealing with a flood insurance claim

[39:05] Are aggressive insurers offering alternatives to NFIP? 

Panelists:

Greg Raab, Vice President & Executive Director of Operations/Public Adjuster and Disaster Recovery Services - Adjusters International

James R. Mahurin, CPCU, ARM, Risk Management Consultant and member of the Society of Risk Management Consultants 

C. Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International

Nov 25 2015

40mins

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Rank #7: Sometimes It’s What The Policy Doesn’t Say That Counts

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Today we will be discussing the ins and outs of insurance policies, and the importance of understanding what your policy does say and cover, as well as what it does not. In this episode, our panelists will discuss how those with an insurable interest in a property can protect themselves from issues such as inadequate reimbursement should a disaster occur.

Key Takeaways:

[:27] After a disaster occurs such as a fire, flood, or severe windstorm and damages a property, what are some of the more common mistakes an insured or policyholder makes that results in the inability to provide proof of loss to the insurance company?

[3:20] Is the ‘inability to provide proof of loss’ a common theme in property damage losses?

[5:12] What are the ways in which a policyholder can prevent such roadblocks?

[8:00] What does the concept of ‘insurable interest’ mean in relation to a property insurance policy?

[9:38] If a person does not have to be the property’s owner in order to have insurable interest, what are some examples of parties that would have an insurable interest in a property?

[11:49] A party who has an insurable interest in a property may not be involved in the day-to-day operations, or even be on-site. What types of conflicts can this result in when it comes to insurance policy definitions, interpretations, changes, and the like?

[13:28] What can these other parties do to protect their stake in the property, aka their ‘insurable interest’?

[17:36] Speaking of ‘Broadening the Named Insured,’ what are some challenges the agent, broker, or policyholder may face, when undertaking this task?

[21:11] What are some challenges the agent, broker, or policyholder may expect when ‘Broadening the Property Definition,’ if they have to go that route?

[22:09] Suffice it to say that these additions to a property insurance policy can play an important role in helping one avoid a large predicament such as inadequate reimbursement; what is the overall benefit of having them in place?

Panelists:

James R. Mahurin – Risk Management Consultant and member of the Society of Risk Management Consultants

● Tim Larsen – Executive Adjuster – The Greenspan Co./Adjusters International

Todd Thomas – Executive Director of Consulting Services and member of the Society of Risk Management ConsultantsAdjusters International

Moderator:

Brianna Moyer (Adjustersinternational.com/bios/executive-professional/), Digital Marketing Manager – Adjusters International

Mentioned in This Episode:

Adjusters International

Adjusting Today — Sometimes It’s What the Policy Doesn’t Say That Counts

Mar 01 2018

26mins

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Rank #8: Adjusting Today Issue #3027 - Hurricanes and Windstorm Coverage

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This podcast and the corresponding Adjusting Today article titled: "Hurricanes and Windstorm Coverage," focus on the idea that understanding your insurance policy before a disaster strikes is essential to protecting your organization from the next major hurricane or windstorm and ensuring a fast recovery. Different types of special coverages may be available and needed for property owners in hurricane prone areas. Tips for policyholders include: making sure there is an electronic PDF copy of the insurance policy, before and after claim property pictures/videos, insurance audits and considerations for microbes.

Key Takeaways:

[1:30] What areas of the United States are the most exposed to hurricanes or tropical storms?

[2:54] What type of hurricane damage should property owners be concerned about?

[5:07] Does a standard residential or commercial insurance policy protect a property from hurricane damage or is special coverage required?

[8:10] In layman’s terms, what types of coverages are available that would benefit property owners in case of a hurricane or windstorm?

[25:10] Is mold covered in a standard insurance policy and is it capped?

[29:23] In the aftermath of a hurricane, what is the first thing a policyholder should do?

[36:46] Additional comments from the panelists about coverages and premiums.

[38:58] How have insurance policies changed based on past major hurricane events?

Panel of Insurance Experts:

Keith Hayman, Director of National Development - Goodman-Gable-Gould/Adjusters International

John Marini - President and CEO - Adjusters International

C. Todd Thomas - Executive Director of Consulting and Services and member of the Society of Risk Management Consultants -  Adjusters International

Mentioned in This Episode:

Adjusters International

Adjusting Today - Hurricane and Windstorm Coverage Article by Keith Hayman

Jun 09 2016

44mins

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Rank #9: Adjusting Today Issue #3042 – Difference in Conditions Coverage

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This podcast and the corresponding Adjusting Today article titled, "Difference in Conditions Coverage: What It Is and Who Needs It?" is designed to assist any business that needs more protection than supplied by standard property insurance in regards to flood and earthquake perils. Today’s expert panelists answer questions regarding terminology, past and present changes in coverage, and what types of businesses need this type of coverage. This roundtable ends with additional important thoughts and real life examples of DIC policies.

Key Takeaways:

[1:45] What is the Difference in Conditions (DIC) coverage?

[2:36] Why are these policies often misunderstood by policyholders?

[3:34] Who or what types of businesses need this type of coverage?

[7:19] To which type of disasters, other than flood and earthquake losses, does this coverage apply? 

[10:21] A coinsurance requirement can have a serious adverse effect on the insured at the time of loss. Why?

[11:24] Why is it important to watch for definitions, such as flood and earthquake, if they are defined in your main policy?

[16:05] What type of limits do DIC policy limits contain, as compared to AAIS form limits?

[20:25] Do commercial insureds who carry business interruption or business income coverage in their main commercial property policy also need to purchase similar coverage in their DIC policy?

[21:37] Why the ordinance or loss can be troublesome for policyholders who sustain serious property loss. 

[24:00] How are subrogation provisions usually written in DIC policies, and what role do they play?

[25:08] Are court decisions involving DIC coverage common, and if so, why?

[27:03] What is a Builder’s Risk DIC policy?

[30:00] Why are there no standard DIC policies available?

[31:34] How has DIC coverage changed in past 10 years?

[33:29] Do you see big changes on the horizon for DIC coverage?

[34:53] Additional roundtable thoughts on DIC policies.

Panelists:

Jim Mahurin, Risk Management Consultant and member of the Society of Risk Management Consultants

C. Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants -  Adjusters International 

R. Scott deLuise, CCIM, CPPA, SPPA, President and CEO - Adjusters International/Matrix Business Consulting

Mentioned in This Episode:

Adjusters International

Adjusting Today - Difference in Conditions Coverage #3042

Aug 05 2016

40mins

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Rank #10: Adjusting Today Issue #3011 - Disasters, Raising Questions of Insurance Adequacy

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This podcast and the corresponding Adjusting Today article titled, "Disasters, Raising Questions of Insurance Adequacy: Bombings! Hurricanes! Earthquakes! Fires!" is designed to assist policyholders in making educated decisions regarding insurance coverages. In this episode, our expert panelists discuss the ever-changing landscape of insurance coverages in the face of disasters such as bombings, hurricanes, earthquakes, fires and more. This conversation explores risks that property owners may face, both natural and man-made, that can affect their coverage.

Key Takeaways:

[2:06] Is there a place in the world that is immune to disasters, man-made or natural?

[2:49] Advice for business owners who have just suffered a disaster.

[4:45] Is it true that after a large scale disaster, tenants who did not experience damage to their property may be prevented from re-occupying their property by order of Civil Authority? 

[10:34] What do business owners need to know about Civil Authority coverage?

[13:53] What is the extended period of indemnity and how can business owners use this coverage after a property loss occurs?

[19:28] Examples of obtaining materials in a low supply, high demand environment after a disaster.

[24:03] Real life examples of common mistakes made by policyholders with regards to disasters.

[28:16] How can home and business owners be sure they are evaluating their coverages adequately?

[34:10] If a property owner owns more than one property at multiple locations, can all the locations be covered on one policy?

[36:33] If a contractor cuts corners and the property is damaged afterward, what are some possible consequences for the insured?

[46:26] Does a standard insurance policy cover documents and records lost during a disaster, and what coverages can help mitigate risk?

[47:46] Are there unusual examples of man-made disasters that can help others learn from past mistakes?

[51:41] The panels final thoughts on adequate coverages for manmade and natural disasters.

Panelists:

Luis Esteves, Principal & Executive General Adjuster at Jansen/Adjusters International

Clay Gibson, Professional Public Insurance Adjuster - The Greenspan Co./Adjusters International

John Marini, President and CEO - Adjusters International

Bill Sharpe, Commercial Insurance Loss Consultant - Jansen/Adjusters International

C. Todd Thomas, Executive Director of Consulting and Services and member of the Society of Risk Management Consultants -  Adjusters International 

Mentioned in This Episode:

Adjusters International

Adjusting Today - "Disasters, Raising Questions of Insurance Adequacy"

Oct 25 2016

55mins

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