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About: Dave

Name  :  David E. Young
E-mail  :  dave@brown-ohaver.com
Website  :  www.adjusteradvocate.com
Profile  :  David E. Young, CPPA, SPPA Certified Professional Public Adjuster Senior Professional Public Adjuster Mr. Young is one of the very few individuals throughout the world who has passed both the Certified Professional Public Adjuster (CPPA) Examination and the Senior Professional Public Adjuster Examination (SPPA). He is a nationally recognized expert in the appraisal of insurance claims, having been retained by a national publisher to author writings to train attorneys in this provision of insurance law.

Posts by Dave:

Adjuster Education

At Brown – O’Haver we pride ourselves in the specialized educational milestones we have reached. This knowledge helps us as we address the many unique opportunities that we have to make certain that insurance claims are paid fairly. It is unfortunate that the training that insurance claims representatives receive is not as comprehensive as it used to be and sometimes claims representatives deny claims simply because they do not have the unique training we pride ourselves in having.

Consider the following: A person died in a home and was not discovered for days. The home was saturated with odor. Is that insured? Originally, an insurer said “no” but if someone has an all-risk policy, the peril would be covered unless it was excluded. There was no exclusion for this happening and we were able to assist the insured in a very profound way.

Due to a misunderstanding, the Phoenix Swat team filled a home with tear gas. Was that insured? Originally the insurer denied the claim but we found coverage through the “act of civil authority” provision of the policy. We could give hundreds of examples of how we have helped insureds receive all they are entitled to. Sometimes coverage will pivot on the definition of a single word.

We are proud to say that we have CPPA’s and SPPA’s that can handle your claim. A Senior Professional Public Adjuster (SPPA) has ten years of experience, has a college degree, and can pass a rigorous examination. A Certified Professional Public Adjuster (CPPA) has five years of experience.

Insurance claims representatives have designations as well, such as AIC (Associate in Claims). National Underwriter, the adjusting industry’s go-to operation for training destinations, just introduced a new designation: Cannibus Insurance Claims Specialist (CICS). The world is changing, but the importance of additional training and knowledge for an insurance professional remains the same.

Frozen Pipes – Could Damage The Home

As the weather cools down and we look towards winter, it is time to reflect on our homes and the potential of a freeze, which could damage the home.  One of the largest homeowner claims we have worked was for a movie producer’s luxurious home in Sante Fe, New Mexico.  His loss was caused by a frozen pipe that broke while he was out of town.  When the weather warmed up, water from the broken pipe ran and ran for days destroying his home.  The question was: was it insured? 

Typically water from broken pipes is only insured when the water has been turned off or the utilities (heat) have been left on.  In the case just mentioned, the heat had been left on but the weather was so severe the pipe broke anyway.

Most of us won’t have original movie scripts and movie paraphernalia of the value he had in his home but regardless of what you have in your home, you have to prove value.  As a public adjuster, that is Brown – O’Haver’s task and we will do our best to get there, no matter the size of the loss.  In his case, we obtained a valuation from Robert Ebert, the movie expert.

Avoiding insurance claims in the first place will often prevent the stress of the insurance claim.  Even though we can remove much of that stress for you, taking a few steps to prevent losses, such as a broken pipe water loss, is a good idea.

If you have to leave your home, or if your home is a secondary or seasonal home, take these steps: bring in your outdoor furniture, unplug your hot water heater and turn off the breaker.  Make certain that inside doors are not closed so warm air can easily circulate in the house.  This includes leaving kitchen and bathroom cabinets open as well.  You will also find it productive to disconnect exterior hoses and install frost-free faucets for hose bibs or protect them from freezing with faucet insulators.

And, if you do experience a loss, please know that Brown – O’Haver has decades of experience handling such losses as we have discussed here.  We are here to help you.

Building or Remodeling

Have you planned renovations to your home? If so, you might need to review the insurance considerations such an undertaking might involve.

Standard homeowner’s policies are priced to cover a furnished home where no construction is taking place. If you are changing out a sink or a toilet, or even carpet, your policy coverage isn’t unaffected. But if you are doing renovations, you need a special course of construction policy.

The course of Construction Insurance exists to ensure buildings or projects under construction against the costs of repair or replacements in the event of an accident or a peril such as a vandal breaking into the property. Over the years we have seen many needs for a course of construction insurance. As a matter of fact, some of those insurance adjustings need to involve fires in such construction and reconstruction claims. The largest claim we ever worked on was for a very large, multiple-building apartment complex that was under construction. A plumber sweating a pipe caused that fire. In addition to fires, we have seen floods, vandalism, theft, and other unwelcome accidents to a construction project. The course of Construction (COC) insurance is also known as Builders Risk Insurance. Such insurance is designed to protect owners and contractors from devastating impacts such as fires. Construction fires can happen to anyone. We once adjusted a builder’s risk claim for the owner of the Arizona Cardinals.

As with most insurance policies, insurance companies are also considering the bottom line. In the case of the Arizona Cardinal’s owner, the fire voided all of the guarantees and warranties on the windows. However, because the windows looked just fine, the insurers had to be presented evidence, etc., as to why those windows had to be paid for. We were up to the job on that one. Further on that huge apartment complex fire, our work resulted in over four million dollars more for the job that was initially offered. We even went so far as to claim, with success, that the builder was due funds for opportunity costs because he had to postpone other projects to get the apartment complex up to its former progress point.

Other considerations also are considered when remodeling or renovating your home. If your property is vacant for over thirty or sixty days, (the time is defined by the policy) there is no homeowner’s coverage. Often when a home is left vacant for any length of time, anything can happen, even squatters moving in.