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Welcome to the Brown - O'Haver Official Blog.

Pays to Read your Policies, contracts and Agreements

I was raised in a public adjusting family. Being part of this family meant that I heard the words, “read the policy” a lot. I was taught that you should know the insurance policy like you know your Bible or   Read More »

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   Read More »

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   Read More »