About Lighthouse Claims Service
"Lighthouse Claims Service is a full-service adjusting firm, fine-tuned to the needs of the individual client. Whether your company needs full Xactanalysis assignment capability or just a short form appraisal in any format, we customize our product to meet your needs. We specialize in property claims, either first or third party, personal lines or commercial lines. Our management team has over 40 years experience in the claims business."
The above is from their site.
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.
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 write and engage in writing property insurance coverage in North Carolina. The Association was created by law to act as a market of last resort to provide adequate basic property insurance to property owners having insurable property in North Carolina.
The above is a quote from their site.
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 examiners so that policyholders experience consistency and reliability of service. The manual provides processes for handling claims from the notice of loss to final payment.
All NFIP bulletins, other than those announcing Flood Insurance Claims Office numbers, Flood Response Office locations, claims adjuster briefings, and current/future program changes, are superseded by this manual and of no further effect.
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.
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 operate drones beyond visual line of sight and over people for damage assessment. Drone flights were coordinated with the FAA and Mid-Atlantic Aviation Partnership (MAAP) at Virginia Tech as part of the Integration Pilot Program for large-scale damage assessment in Virginia and South Carolina.
| County Name
| HAWAII COUNTY
| HONOLULU COUNTY
| KAUAI COUNTY
| MAUI COUNTY
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 standing with my home state of Nevada! I am complete good standing with Nevada, and havre offered to provide a "Letter of Good Standing", which Nicki refused to accept. She is demanding my continuing education formal receipts. She refuses to accept any certificates issues by attending classes such as NFIP, Symbility, etc. In a very rude 1970's condescending government attitude, she asked if she could just cancel my request, and keep the monies I've paid! She said that she is just enforcing state statutes, and snottingly that I have 60 days to comply from her first response. REMEMBER, this was a Non Resident license. I hope she can write estimates!!
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 Barriers” by Pacific Research Institute, found that the average claims adjuster holds between 10 and 12 different state licenses. This can set them back as much as $1,000 each. The study pointed out that these “costly, burdensome state requirements” make it more difficult for adjusters to operate across states, while driving up costs for consumers and limiting the opportunities for new adjusters.
At present, 34 states require independent adjusters to hold a license, the Association of Claims Professionals (ACP) reported.
"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 time. After the initial chaos subsides, it’s only natural that those affected would want to move quickly to start rebuilding their lives.
For many, the first step is a call to the insurance company, who should be able to resolve claims promptly, offering timely financial assistance when it’s needed most. But unfortunately, a complicated patchwork of state laws governing claims adjusters provides exactly the opposite: an inefficient, time-consuming, and expensive process that fails to serve the needs of consumers in the wake of a disaster."
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 surrounding perimeter wall sheathing. The addendum expands upon and replaces existing guidance found at Paragraph P of Section VIII of the NFIP Adjuster Claims Manual.
Hurricanes Harvey and Irma caused widespread flooding in Texas, Louisiana, the U.S. Virgin Islands, Puerto Rico, Florida, and the southeast United States. Due to the catastrophic impacts of these hurricanes and the increased demand for flood insurance adjusters, the Federal Emergency Management Agency (FEMA) is increasing the amount it will pay to adjust flood insurance claims.
The entire insurance industry is searching for qualified individuals to join the ranks of claims adjusters to handle losses from Harvey, Irma, and future events. FEMA recognizes the specialized knowledge required to properly adjust NFIP losses. Adjusters must know the differences between the Standard Flood Insurance Policy (SFIP) and private industry property insurance forms. They must know interpretations of coverage made by FEMA and the unique reporting requirements of the NFIP. Accordingly, FEMA maintains a list of adjusters authorized to handle NFIP losses.
June 1st Update
We have increased our forecast and now believe that 2017 will have approximately average activity. The odds of a significant El Niño in 2017 have diminished somewhat,
and portions of the tropical Atlantic have anomalously warmed over the past two months. While the tropical Atlantic is warmer than normal, the far North Atlantic remains colder than normal, potentially indicative of a negative phase of the Atlantic Multi-Decadal Oscillation. We anticipate a near-average probability for major hurricanes making landfall along the United States coastline and in the Caribbean. As is the case with all hurricane seasons, coastal residents are reminded that it only takes one hurricane making landfall to make it an active season for them. They should prepare the same for every season, regardless of how much activity is predicted.
(as of June 1ST 2017)
Allstate Insurance plans to use a fleet of drones to help assess property damage claims across four states during the spring storm season. A fleet of drones will be at the ready in Colorado, New Mexico, Oklahoma and Texas. If the progress is successful, it will be considered for a wider rollout.
The multi-state launch is the company's largest use of drones to date and represents a major step forward in the use of aerial imagery for property damage assessment among insurers, according to Allstate.
The Texas Windstorm Insurance Association (TWIA) was established by the Texas Legislature in 1971 in response to regional market conditions following Hurricane Celia in August 1970. Our purpose is to provide windstorm and hail insurance in the Texas seacoast. TWIA is governed by Chapter 2210 of the Insurance Code (Chapter 2210).
We are a residual insurer of last resort and are not a direct competitor in the voluntary insurance market. We provide coverage to residential and commercial properties in certain designated portions of the Texas seacoast territory. The designated catastrophe area is that portion of the seacoast territory where the Commissioner of Insurance has found that windstorm and hail insurance is not reasonably available.
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):
ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2016
Forecast Parameter and 1981-2010
Issue Date 1 June 2016 - Updated 7/1
- Information obtained through July 2016 indicates that the 2016 Atlantic hurricane
season will have activity near the median 1981-2010 season. There remains considerable
uncertainty with this forecast which we outline in the following paragraphs.
We estimate that 2016 will have an additional 5 hurricanes (median is 6.5), 11
named storms (median is 12.0), 50 named storm days (median is 60.1), 20 hurricane days
(median is 21.3), 2 major (Category 3-4-5) hurricane (median is 2.0) and 4 major
hurricane days (median is 3.9). The probability of U.S. major hurricane landfall is
estimated to be about 95 percent of the long-period average. We expect Atlantic basin
Accumulated Cyclone Energy (ACE) and Net Tropical Cyclone (NTC) activity in 2016
to be approximately 90 percent of their long-term averages for the remainder of the
(the above is from the Department of Atmospheric Science Colorado State University Forecast)