1. Mark your calendar for upcoming
Roadmap to Recovery meetingsโฆ
Thursday, May 1, 2008: Local Building Requirements
and Rebuilding โGreenโ
Thursday, May 15, 2008: Rebuild Options โ A variety of
contractors present their approaches to rebuilding
Thursday, May 29, 2008: Fund Control, Special rebuild
vendor offerings and concept of Owner/Builder
Thursday, June 12, 2008: Post-Disaster Legal Issues
Revisited, including overview of current status of Ins.
Code Sec. 2051.5(c)
2. R2R Presentations Available On-Line
RBCPC Firestorm Recovery Plan
The mission is simple: To befriend Survivors of Firestorm 2007 and help
restore lives and homes by ministering to physical, emotional, and spiritual needs
Click: www.rbcpc.org Firestorm
Road to Recovery Series
- PDFs
- Powerpoints
3. SoCal 2007 Wildfire
SoCal 2007 Wildfire
Roadmap to Recovery:
Roadmap to Recovery:
April 17, 2008, Meeting #11
April 17, 2008, Meeting #11
Claims Handling Refresher
Claims Handling Refresher
Rancho Bernardo Community Presbyterian Church
Rancho Bernardo Community Presbyterian Church
Karen Reimus
www.unitedpolicyholders.org
4. The Fine Printโฆ
The information provided in this program is intended for
general educational purposes only. It should not be
construed as legal advice
The speakers at todayโs program are volunteering
their time as educators
Neither United Policyholders nor the Rancho Bernardo
Community Presbyterian Church endorse or warrant
the quality or services of any volunteer speakers
5. United Policyholders announces:
โAsk An Expertโ On-Line Forum
A new information resource for โ07 Firestorm Survivors
On the Forum, you can pose a question to:
A Lawyer
A Claims Handling Professional
A Previous Catastrophic Loss Survivor
โAsk An Expertโ is restricted by invitation only. If you
are a 2007 Firestorm Survivor and wish to receive an
โinvitationโ, send an e-mail to:
Emily@unitedpolicyholders.org
Please put: โAsk An Expert Inviteโ in the subject line of your
e-mail.
6. Mark your calendar for upcoming
Roadmap to Recovery meetingsโฆ
Thursday, May 1, 2008: Local Building Requirements
and Rebuilding โGreenโ
Thursday, May 15, 2008: Rebuild Options โ A variety of
contractors present their approaches to rebuilding
Thursday, May 29, 2008: Fund Control, Special rebuild
vendor offerings and concept of Owner/Builder
Thursday, June 12, 2008: Post-Disaster Legal Issues
Revisited, including overview of current status of Ins.
Code Sec. 2051.5(c)
8. Objectives
Provide useful tips for effective claims handling
Provide tools to address challenges of poor claims handling
by the insurer
Learn how to identify and resolve issues of underinsurance
Dealing effectively with your mortgagee
9. Content
โข Who We Are and Why Weโre Qualified
โข Role of Public Adjuster
โข Most Common claims issues
โข Claims handling tools
โข Addressing Under insurance
โข Dealing effectively with mortgagee
โข Q&A
10. Who we are
โข Locally-based public insurance adjusters, licensed nationally
โข NAPIA, CAPIA, NAIC
โข Experts in mortgage servicer rights under the policy
โข Extensive work on Katrina, Rita and Wilma claims (worked with
over 5,000 homeowners)
11. Role of public insurance adjuster
โข Bring insurance expertise to clients
โข Reduce pressure on clients to comply with all policy
provisions
โข Assess policy coverage, determine claim amounts,
present claim and negotiate an equitable settlement
โข Dispute denials and maximize recoveries
12. How to Select A Public Adjuster
โข Check licensing status with the CA Department of Insurance
http://www.insurance.ca.gov/0200-industry/0070-check-license-status/
โข Is the Public Adjuster a member of the California Association of
Public Insurance Adjusters (CAPIA) or the National Association of
Public Insurance Adjusters (www.napia.com)
โข What credentials do they have such as professional designations
other licenses, professional affiliations (BBB)
โข Do they have Professional Liability insurance
โข Do they require payment in advance
โข Do they have verified references
โข How do they give back to the community
13. Most common challenges
โข Low-balling
โข Under insured
โข Proving your claim
โข Multiple adjusters
โข Compliance with CA Fair Claims Practices
Regulations
โข Determining amount of claim
14. Effective Claims Management
Maintain a claims log
Follow-up in writing
Have Regs on hand
Ask for a certified copy of policy
Understand authority levels
Know chain of command
Inquire where reserves are set
Request copy of the adjusterโs detailed scope
Request copy of the insurerโs claim file
Resolving an impasse
15. Addressing Underinsurance
โข Use detailed, independent scope of loss as the basis
โข Ask carrier to reconsider policy limits
โข Involve underwriter and Broker
โข Talk to attorney with expertise in underinsurance issues
16. Dealing Effectively with Mortgagee
โข Review of mortgagee claim process and role
โข Why is the mortgagee involved
โข When is mortgagee named on loss drafts
โข What the mortgagee requires
โข How to escalate issues with mortgagee (who to talk to)
17. RFA
REQUEST FOR ASSISTANCE
YOUR SILVER BULLET
One Cedar Fire Survivorโs
Experience Using the RFA
Process
Jack Mueller
UP Mentor and '03 Cedar Fire Survivor
18. RFA
โข THE ISSUES
โข INSURANCE COMPANIES USE SECRECY & ONE ON ONE NEGOTIATING TACTICS
โข THE INSURED DOES NOT HAVE THE SAME CLOUT/NO LEVEL BATTLEFIELD
ONE SOLUTION: RFA
โข USE INSURANCE COMMISSIONERโS OFFICE TO LEVEL THE BATTLEFIELD
โข FILE AN RFA---NOW AND OFFEN
19. RFA
โข HOW DO I FILE AN RFA?
GO TO
WWW.INSURANCE.CA.GOV/CONTACT-US/0200-FILE-COMPLAINT/
OR CALL
1-800-927-HELP(4357)
20.
21.
22. Mark your calendar for upcoming
Roadmap to Recovery meetingsโฆ
Thursday, May 1, 2008: Local Building Requirements
and Rebuilding โGreenโ
Thursday, May 15, 2008: Rebuild Options โ A variety of
contractors present their approaches to rebuilding
Thursday, May 29, 2008: Fund Control, Special rebuild
vendor offerings and concept of Owner/Builder
Thursday, June 12, 2008: Post-Disaster Legal Issues
Revisited, including overview of current status of Ins.
Code Sec. 2051.5(c)
23. Invitation to Supper at RBCPC
Fire Survivors, Supporters, UPC Mentors
RSVP Needed
May 15th, 5:30 โ 7 pm
RSVP to 487-0811, extension 211
24. Break Out Sessions
for Fire Survivors
Open to 9:30 pm: Firm Stop time
Upstairs:
State Farm : Dormer West
Farmers : Skylight West
Allstate : Upper Courtside East
USAA: Small room off lobby
Other Companies: Sanctuary
25. United Policyholders announces:
โAsk An Expertโ On-Line Forum
A new information resource for โ07 Firestorm Survivors
On the Forum, you can pose a question to:
A Lawyer
A Claims Handling Professional
A Previous Catastrophic Loss Survivor
โAsk An Expertโ is restricted by invitation only. If you
are a 2007 Firestorm Survivor and wish to receive an
โinvitationโ, send an e-mail to:
Emily@unitedpolicyholders.org
Please put: โAsk An Expert Inviteโ in the subject line of your
e-mail.
26. R2R Presentations Available On-Line
RBCPC Firestorm Recovery Plan
The mission is simple: To befriend Survivors of Firestorm 2007 and help
restore lives and homes by ministering to physical, emotional, and spiritual needs
Click: www.rbcpc.org Firestorm
Road to Recovery Series
- PDFs
- Powerpoints