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Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

Source: North Carolina Department of Insurance

  • 11 December 2018
  • Author: CADO Admin
  • Number of views: 2260
  • 0 Comments
Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

....

In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than
newer construction to ensure that moisture hasn’t seeped into the walls that will eventually result in mold and interior wall rot. If adjusters do not look for moisture build-up trapped inside the wall, then this damage could be missed, causing mold and rot to proliferate and resulting in bigger problems for homeowners in the future.

...

California Insurance Commissioner issues emergency declaration to help fire survivors across the state

November 14, 2018 Press Release

  • 18 November 2018
  • Author: CADO Admin
  • Number of views: 3152
  • 0 Comments
Insurance Commissioner issues emergency declaration to help fire survivors across the state

SACRAMENTO, Calif. — In the wake of the deadliest and most destructive wildfire in California’s history, Insurance Commissioner Dave Jones today declared an emergency situation, which allows insurance companies to use out-of-state adjusters to help handle the large volume of claims resulting from the Camp and Woolsey Fires.

Expedited Claim Handling Billing Grace Period Procedures for California Wildfires

Source: California DOI

  • 18 November 2018
  • Author: CADO Admin
  • Number of views: 3303
  • 0 Comments

11/15/2018 Notice

In an effort to assist victims of the current wildfires throughout the state, Insurance Commissioner Dave Jones is calling on all property insurance companies to implement emergency expedited claims handling procedures and billing grace periods to help residents and businesses begin their recovery more quickly.

 

November Wildfires: Notice of Shortage of Accommodations for Survivors

Source: California Department of Insurance

  • 14 November 2018
  • Author: Roy
  • Number of views: 0
  • 0 Comments

The California Department of Insurance has been informed by the Governor’s Office of Emergency Services (CAL-OES) that, due to the recent wildfires, there is a shortage of available lodging in the disaster areas. CAL-OES is requesting that insurance companies, adjusters, and other insurance personnel find lodging outside of the disaster areas. 

Arizona Department of Insurance

  • 27 November 2016
  • Author: CADO Admin
  • Number of views: 9045
  • 0 Comments
WHO MUST BE LICENSED?

You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (ARS § 20-321):

Notice Issued to Protect Oklahomans Who Have Earthquake Insurance

Source: Oklahoma Insurance Department

  • 8 March 2015
  • Author: Roy
  • Number of views: 22146
  • 0 Comments
Notice Issued to Protect Oklahomans Who Have Earthquake Insurance
OKLAHOMA CITY – The Oklahoma Insurance Department is taking a proactive step to protect Oklahomans who buy earthquake insurance. Today the Department released a bulletin to property and casualty insurance companies to address important issues surrounding earthquake insurance. 

“We want to make sure everyone is clear on earthquake insurance,” said Oklahoma Insurance Commissioner John D. Doak. “Oklahomans need to know what they are buying. Insurers need to know my expectations regarding the interpretation of polices.  And adjusters need to know how to evaluate an earthquake claim.”

Wyoming Adjuster Licensing Information

Source: Wyoming Department of Insurance

  • 6 February 2015
  • Author: CADO Admin
  • Number of views: 10405
  • 0 Comments
Wyoming Adjuster Licensing Information
Legal Authority:  

Pursuant to Wyo. Stat. § 26-9-219(c), a Wyoming adjuster’s license is required unless the loss is of an unusual, uncommon or unique nature requiring special expertise or knowledge not readily available among adjusters licensed in this state, or for the adjustment of a series of losses resulting from a catastrophe common to those losses. This form may be used to register emergency adjusters who will be employed by an insurer in the state of Wyoming for a time frame of 90 days. This form is not an application for a permanent adjuster license.

Alaska Independent Adjuster Licensing Information

  • 6 February 2015
  • Author: CADO Admin
  • Number of views: 9479
  • 0 Comments
Alaska Independent Adjuster Licensing Information
Independent Adjuster
An independent adjuster represents the interests of the insurer.

You need an independent adjuster license to adjust claims on behalf of an insurer that is not your employer.

Reciprocal Nonresident License
You are required to hold an independent adjuster license in your home state to qualify for a reciprocal license.

If your home state does not offer an independent adjuster authority, you will need to pass the Alaska Adjuster exam, and Alaska will be your designated home state.

(the above is from the state's website.

Unlicensed Adjuster Single Loss or Catastrophe

Does Alaska have any special provisions that apply to adjusters who may need to only adjust
a single loss or adjust catastrophe losses?

Yes. A nonresident independent adjuster, who is not Alaska-licensed but who is licensed and in
good standing in his or her home state may act as an adjuster and adjust a single loss in this state
during a calendar year, or may act as an adjuster and adjust losses arising out of a catastrophe
(which is declared by the director) if, within 10 days after the start of the investigation or
adjustment, the nonresident adjuster advises the director in writing of the adjustment (AS
21.27.860(a)).

An unlicensed adjuster is required to comply with the Unfair Claims Trades Practices
Regulations. 

Alabama Independent Adjuster Requirements

Source: ALDOI

  • 6 February 2015
  • Author: CADO Admin
  • Number of views: 11353
  • 0 Comments
Definition

An "independent adjuster" is a person who, for compensation as an independent contractor or as an employee of an independent contractor, undertakes on behalf of an insurer to ascertain and determine the amount of any claim, loss, or damage payable under a contract of property, casualty, or workers' compensation insurance or to effect settlement of such claim, loss, or damage. Ala. Code § 27-9A-3.

Declaration From The State Insurance Commissioner Regarding Assistance Of Nonresident Unlicensed Adjusters For Tropical Storm Ana

  • 16 October 2014
  • Author: Roy
  • Number of views: 12726
  • 0 Comments

As of October 15, 2014, Governor Neil Abercrombie signed an emergency proclamation in anticipation of the arrival of Tropical Storm Ana, which is forecast to impact the state this weekend, possibly as a hurricane. 

NCDOI Bulletin 14-B-03

Procedure for Catastrophic Adjusters

  • 29 April 2014
  • Author: Roy
  • Number of views: 14168
  • 0 Comments
NCDOI Bulletin 14-B-03
The purpose of this bulletin is to outline procedures your company will need to follow if a catastrophic event were to occur in North Carolina. NC Emergency Management staff will not allow any adjuster access to a declared disaster area unless the adjuster is carrying proper identification. 
 

Texas HB 272 - Relating to the operation of the Texas Windstorm Insurance Association

  • 23 March 2011
  • Author: Roy
  • Number of views: 19949
  • 1 Comments
Texas HB 272 -  Relating to the operation of the Texas Windstorm Insurance Association

Highlights from the Bill

Deadline for Filing Claim: (1)require an insured to file a claim under the policy not later than the first anniversary of the date on which the damage or loss that is the basis of the claim occurs; The commissioner, on a showing of good cause by a person insured under this chapter, may extend the one-year period described by Subsection (a)(1) for a period not to exceed 90 days.

The association may not pay or settle a claim described by Subsection (a) unless the person filing the claim provides evidence satisfactory to the association that, on the date of the loss that is the basis of the claim, the property insured under the association policy was also covered by a flood insurance policy in the amount required for issuance or renewal of the association policy under Section 2210.203(a-1).
 
Not later than the 30th day after the date a person insured under this chapter files a claim with the association, the association shall provide the person notice of whether the claim is accepted or denied and, if the claim is accepted, a written appraisal of the damage to the insured property

 

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KB Latest Articles

14 August 2019

Lighthouse Claims Service - Career Page

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Insurance Adjuster Act

California Senate Bill 240

SB 240, as amended, Dodd. Insurance Adjuster Act. Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and prescribes the department’s powers and...
NCJUA/NCIUA Approved Catastrophe Adjusters 22 January 2019

NCJUA/NCIUA Approved Catastrophe Adjusters

Updated: 3/24/19

The North Carolina Joint Underwriting Association (NCJUA), also known as the FAIR (Fair Access to Insurance Requirements) Plan, is a tax exempt association of insurance companies licensed to...
National Flood Insurance Program (NFIP) Claims Manual - Updated 13 January 2019

National Flood Insurance Program (NFIP) Claims Manual - Updated

December 20, 2018 Revision

The Publication Date  of the most current manual is: December 20, 2018 The purpose of the NFIP Claims Manual is to improve clarity of claims guidance to WYOs, vendors, adjusters, and...
Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood 11 December 2018

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

Source: North Carolina Department of Insurance

.... In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than newer...
18 October 2018

State Farm® to Conduct Drone Damage Assessment Flights Following Hurricane Michael

Source: State Farm 10-16 Press Release

It was less than one month ago when Hurricane Florence struck North and South Carolina. State Farm was the first and only insurance company to receive an FAA waiver allowing Claims pilots to...
26 August 2018

Hawaii Flood Policy Statistics as of 06/30/2018

Source: NFIP

 County Name   Policies In-Force  HAWAII COUNTY   ...
31 May 2018

OKLAHOMA DOI decides to police the entire country for license compliance

OKLAHOMA DOI decides to police the entire country for license compliance.  Upon my recent submission for license renewal as a Non-Resident, the DOI rep Nicki has decided to question my...
8 February 2018

Study: State insurance licensing reciprocity benefits everyone

Source: insurancebusinessmag.com

A new study has found that the current system of licensing regulations for independent claims adjusters is causing more harm than help for the industry. The study, entitled “Breaking Down...
6 November 2017

From fire to floods, recent natural disasters highlight the need for uniform claims adjustor licensing

Source: The Hill

"As the nation continues to recover from the damage caused by hurricanes, floods and fires from coast to coast, we are reminded yet again that unforeseen, life-changing disasters can strike at any...
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