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unauthorized-practice-of-public-adjusting-verdict-upheld

Unauthorized Practice of Public Adjusting Verdict Upheld

This month a Texas Court of Appeals upheld an important ruling against a contractor who was involved in the Unauthorized Practice of Public Adjusting (UPPA).

Lon Smith Roofing & Construction entered in to a contract with Gerald and Beatriz Reyelts. In their  contract the roofer asserted that Lon Smith was being retained “to pursue homeowners’” best interest for all repairs, at a price agreeable to the insurance company” and to w...

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coverage-outside-the-policy-due-to-insured-s-reasonable-expectations

Coverage Outside the Policy Due to Insured’s ‘Reasonable Expectations’

As an adjuster, I don’t talk to judges but I do “measure and document” the valuation of insurance claims and present those claims to insurers. I was recently asked by an attorney to present a claim that demanded coverage be applied outside of the policy.

We see demands all the time to “reform” the policy and sometimes we see insurers rolling over as well and paying those claims as well; although, this is not something that is common.

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the-use-of-hearings-in-resolving-insurance-disputes

The Use Of Hearings In Resolving Insurance Disputes

It is common knowledge that dispute valuations in insurance claims leads to “appraisal.” Appraisal is a somewhat of a buzz word for arbitration where arbitrators (appraisers) determine values. Simply put then, an appraiser is an arbitrator and appraisal is an arbitration. This isn’t totally a fair equation of words. After all, a brown trout is different from a rainbow trout. Arbitration is not an appraisal, but an appraisal can be an arbitration, especially when the c...

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letter-to-kim-suicide-is-not-the-answer

Letter to Kim (Suicide is not the Answer)

To my client as well and my friend, Kim Dieska,

I never criticized you Kim. And you know I could have. After your house fire, you signed that stupid contract with that restoration contractor that gave ALL of your insurance proceeds to him and left you nothing. Many people make that mistake signing agreements with contractors after their fire and when they are under duress. But you also got yourself in trouble with the I.R.S., violating y...

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protection-of-the-arizona-insurance-consumer

Protection of the Arizona Insurance Consumer

We are Arizona Public Adjusters

American Family Insurance operating in Arizona has been under attack for using the title of “adjuster” when their employees are not actually licensed. It is appropriate for employees of insurance companies to adjust claims without a license but it is a violation of the law for anyone to claim the title of “adjuster” when they have not passed an examination for a license and met certain criteria to quality for the title.

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