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About: Dave

Name  :  David E. Young
E-mail  :  dave@brown-ohaver.com
Website  :  http://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:

Understanding Condominium Insurance

Condominium insurance claims are complex and many insureds think that they have coverage that they do not.

A Condominium Unit Owners Form will cover a unit owner who wishes to insure his or her property to cover any items not insured by the association’s policy. This is where the rub comes in. The CCR’s spell out what is owned by the association and what is owned by the Condominium owner. Are floor coverings insured by the unit owner or the association? Is paint on the walls covered under the association’s policy or the unit owners? What is common property and what is not?

A Condominium owners policy will most likely pay for property damage to personal belongings and any accessories not originally installed in the unit. One condominium claim we worked recently was built with linoleum which the unit owner had upgraded to tile. The insurance company had to pay to pay for the tile, less the cost of the linoleum. The association would have to pay for the linoleum.

The association has a deductible which the Condominium unit owners policy generally covers. Most importantly, a unit owners policy will generally pay for additional living expenses while the unit is being repaired. The policy also provides personal liability protection. If your cocker spaniel bites someone, you should be covered for the liability he has caused.

In each state we encounter insurance issues. In Oklahoma, one of the greatest issues we deal with involves the policy limit. Many insurance consumers in Oklahoma are underinsured. In Arizona, the insurance issue we deal with is lack of insurance by condo owners and renters. Other states have their quirks as well but no matter what If you have no insurance Brown – O’haver can’t help you. If you have any other policy including a Condominium Unit insurance policy, we have the experience to sort out what your insurer pays and get you the full amount that you have paid premiums for. We can also help determine what the association pays in condo claims so you can get back into your home.

Buying the Right Insurance

At Brown O’Haver we get asked all kinds of questions and we are always happy to respond as best we can, recognizing that our recommendations are what we would do not, what you must do. One of the questions that comes up frequently is the question: “How do I find the right insurance company?”. Here is our answer:

When shopping for home insurance, premium quotations and claim experience are useful tools for comparison of different companies’ products.

When asking for price quotations, it is critical that you provide the same information to each agent of the company.

To give you an accurate quote, the agent or company will usually request your provide the following information;

  1. Description of your house.
  2. Distance from the nearest fire department and fire hydrant.
  3. Square footage of your home.
  4. Recent remodeling.
  5. Alarms or security devices.
  6. Sometimes they ask for a picture of your home.
  7. The coverages and policy limits you wish.
  8. Other optional coverage.

The information above is necessary to the rating process in determining your quote.

Not all insurance companies use their own insurance agents to sell their own products so they retain independent agents. You might have to search to get a quote from an independent insurance agent but trust me, the search is worth it, especially if you want a quote from a good company like Amica or Chubb or Pure. Independent agents represent several companies so if you wish you can get quotes for more than one insurance company. This is considered a plus for many insurance consumers.

The major insurance companies use direct agents who are employees of their company or companies that represent only that particular company.

Before making an insurance purchase, you may want to call the State Insurance Department and ask for the company’s complaint ratio. Or, you can call us and ask us which companies are hard to deal with. From my own experience based upon getting insurance settlements, I would not select American Family or Liberty Mutual for my insurance. That being said insurance companies are cyclical and are sometimes better and sometimes not. Paying attention to these patterns and changing your policy often is a good idea. There is typically no loyalty in rates. So being a 20-year customer of an insurance company is not going to benefit your premium.

And by the way, since it keeps coming up as to what insurance company I have, here they are: Home: Chubb. Cars: USAA and Hagerty. Business: CNA.

Good luck in your insurance quest. At Brown – O’Haver, we hope you retain a company that won’t drag your claim out. Dragging claims out is not uncommon. With one Guard Insurance Claim, I once wrote or called 100 times in my quest to obtain a fair settlement.

Are Hail Claims Worth it?

Insurance companies must hate Hail Claims. And … insureds do not like them either. While insurers have been collecting premiums in anticipation of such claims, many businesses have risen up to make money from hail claims. Of course we have the normal “weather chaser contractors” who pack up and head to the next big hail location. Some of them even start chasing before the storm is over. Their trucks are packed and ready to go, just like someone would expect from the fire department.

Besides these storm chasing contractors we have insurer-friendly engineers. They sell themselves with promises such as “Trained to use our engineering skills to help insurer’s control the cost of claims (advertisement in the possession of the author). We also have drone services to view the losses from higher elevations as well as software companies who track weather patterns to determine if the hail claim occurred this time or the last time a storm was recorded. If the insurer finds someone who can testify that the roof damage is an old one, you can pucker your lips and kiss your claim goodbye. Maybe?

Brown O’Haver personnel are trained to look at all claims and give you an estimate of your possible success in hail and other claims. With a 32 year track record, we have seen thousands of claims.

And here is something for you to consider: As I was cleaning out an old file box of materials, I came upon an article from a 2016 Texas publication. It stated, impart, “State-compiled stats show when a lawyer or public adjuster (who works for consumers) gets involved, a (hail) claim can bring in payments to customers between $25,000.00 to $35,000. Without a lawyer (or public adjuster) involved a claim may pay around $ 8,000.00.

Is your hail claim worth it? We can help you decide.