CADO Knowledge Base

24 May 2019

Insurance Adjuster Act

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 duties. Existing law, the Insurance Adjuster Act, sets forth various requirements with respect to operation as an insurance adjuster in this state and prohibits a person from engaging in a business regulated by the act, or acting or assuming to act as, or representing themselves to be, an insurance adjuster unless the person is licensed under the act. Existing law also prohibits a person from falsely representing that the person is employed by a licensee. Existing law exempts a person from the requirements of the Insurance Adjuster Act if the person is employed exclusively and regularly by one employer, as specified, with which the person has an employer-employee relationship. If the commissioner declares an emergency situation, existing law authorizes a nonlicensed insurance adjuster to adjust claims if certain requirements are met, including that the nonlicensed insurance adjuster registers with the commissioner via a written letter naming the nonlicensed adjuster, identifying adjuster licenses held in other jurisdictions, and stating when the claims adjusting activity began in the emergency situation. Existing law requires an insurer to provide an insured with a written status report if the insurer assigns a 3rd or subsequent adjuster to be primarily responsible for a claim within a 6-month period.

18 November 2018

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

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.

18 November 2018

Expedited Claim Handling Billing Grace Period Procedures for California Wildfires

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.

 

14 November 2018

November Wildfires: Notice of Shortage of Accommodations for Survivors

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. 

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24 May 2019

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...
31 October 2017

Addendum to the NFIP Adjuster Claims Manual — Special Adjustment Issues: Fiberboard Sheathing/Blackboard

WYO Bulletin w-17065

On October 13, 2017, the National Flood Insurance Program (NFIP) updated the NFIP Adjuster Claims Manual by adding an addendum providing additional guidance on special adjustment issues...
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