Experts discuss the legislative efforts supported by the National Association of Public Insurance Adjusters (NAPIA) regarding the Unauthorized Practice of Public Adjusting (UPPA), issues surrounding Assignment of Benefits post-disaster, and more. "The National Association of Public Insurance Adjusters (NAPIA) was established in 1951 to promote a higher standard for policyholder advocacy. Public insurance adjusters are licensed to serve the general public and deliver knowledgeable and experienced representation when filing a claim for property damage. The founding members of NAPIA envisioned an association that would provide the appropriate resources for policyholder advocates in pursuit of successful claims resolution.1" 1. https://www.napia.com/about ↩ Key Takeaways: [1:07] What are the biggest legislative challenges in the U.S. today? The Unauthorized Practice of Public Adjusting (UPPA) Assignment of Benefits Restrictions on public adjusters' rights to practice [3:43] How are these challenges helping or hurting both consumers and insurance professionals? Many State insurance departments don't have regulatory authority over non-licensed individuals Home and business owners are getting scammed post-disaster by those who are not licensed to adjust their claim [9:58] What are the major legislative priorities right now? Opening the Model Bill up to add in UPPA language [12:03] Recent examples of recent major Case Settlements/Briefs. [17:25] Future legislative efforts of Public Adjusters Achieve licensing in all 50 States Five States do not license: Alabama, Arkansas, Alaska, Wisconsin, and South Dakota [19:31] How can listeners help achieve future legislative goals in support of policyholders, consumers, and other insurance professionals? Insurance is regulated at the State level Contact your State Representatives Panelists: ● Brian Goodman — Principal at Kramon & Graham, PA ● Greg Raab — Vice President & Chief Marketing Officer at Adjusters International and Tidal Basin Moderators: ● Rachele Drinkwine — Operations Coordinator at Adjusters International and Tidal Basin Mentioned in This Episode: Adjusters International National Association of Public Insurance Adjusters (NAPIA) National Association of Insurance Commissioners (NAIC)

This discussion is about ordinance or law coverage and how to insure for this potential exposure. After a disaster causes property damage or loss many policyholders discover that rebuilding the structure to conform to the latest building codes can add 50% or more to their recovery cost. Then comes the unpleasant surprise of discovering the ordinance or law exclusion that prevents a full recovery. With building codes, such as sprinkler systems and handicap accessibility, frequently changing, it is important to understand what your insurance excludes and how to acquire adequate coverage. Key Takeaways: [1:47] What is the ordinance or law exclusion? [3:59] What are the three distinct areas of uninsured losses under the ordinance or law exclusion? [10:00] How to determine if the exclusion will apply and what its probable expense will be on the loss adjustment? [12:59] How can policyholders protect themselves from the ordinance or law exclusion? [18:26] What types of coverages are available for policyholders to counteract the ordinance or law exclusion? [24:31] Is it true that once the need for ordinance or law coverage is established policyholders must ask how much of each coverage is needed? [27:41] Are there any circumstances in which the building ordinance or law coverage would not apply? [30:38] Who can the insured reach out to for questions and insurance concerns regarding ordinance or law coverage? [32:00] How does the ordinance and law exclusion affect business income and extra expense coverage? [34:48] What role could ordinance and law play when a building has contiguous walls to another structure? Panelists: ● C. Todd Thomas, Executive Director at Adjusters International and Member of the Society of Risk Management Consultants ● Jim Mahurin, Risk Management Consultant and Member of the Society of Risk Management Consultants ● John Marini, President, and CEO at Adjusters International ● Luis Esteves, Principal, and Executive General Adjuster at Jansen/Adjusters International Moderator: ● Marjorie Musick, Social Media Specialist at Adjusters International/Basloe, Levin & Cuccaro, and Jansen/Adjusters International Mentioned in This Episode: Adjusters International For further information on this topic, please read our Adjusting Today® article: "Ordinance or Law Coverage: Code for Recovery!"

Today, we will be discussing how experts can benefit policyholders prove an insured loss. More and more insurance companies are using experts to support their side of a claim settlement. That is why today’s policyholder must often take advantage of similar professional resources to help prepare, support, and settle their claims. Understanding and utilizing the coverages available for this purpose can help protect the insured not only against financial loss but for the cost of recovering it. Our experts will review the basics of loss preparation cost coverage including what it is, why it’s needed, and how to ensure you have purchased the right type and the amount of coverage. Key Takeaways: [1:58] Why is it important to know who is who in the insurance claims process? [2:58] What types of professionals who may participate in a policyholder’s property loss work for an insurance company? [3:25] What types of professionals work for the policyholder? [3:57] Are there any professionals who may work for both the insurance company and the policyholder? [4:33] How can qualified outside professionals make a significant difference in the amount of a settlement and the speed at which it’s reached? [5:21] What types of experts and professionals will insureds possibly need to hire during the property insurance claim process? [5:57] Historically the cost of the experts to support and prepare a claim are the insured’s responsibility, but now it seems the burden of cost seems to be shifting. Why is that? [6:54] How does current coverage to reimburse policyholders for loss preparation costs vary among insurance carriers? [7:20] What steps should policyholders take when considering this type of coverage? [8:11] What other types of questions should policyholders consider when they are researching loss adjustment expense coverage? [9:43] Why is it important that a policyholder identify the carrier’s precise intent for loss preparation coverage before a loss occurs? [10:30] What should policyholders do if they haven’t found an acceptable endorsement that will respond to their business's unique needs? [11:14] Why do so many organizations fail to make sure their insurance program includes reimbursement coverage? [13:07] Examples of businesses who want people to maximize their financial settlement after a disaster because they didn’t have this type of coverage or they didn’t hire the right experts. [15:00] If an agent or broker offers to handle a claim is that an unauthorized practice of public adjusting or are they legally allowed to do it? [16:42] Other important points about making a case for experts. [18:12] Why is coverage for public adjusters rarely seen? Panelists: ● C. Todd Thomas, Executive Director at Adjusters International and Member of the Society of Risk Management Consultants ● Jim Beneke, SPPA, President at The Beneke Co./Adjusters International ● John Marini, Senior Advisor for Business Development & Government Affairs at Adjusters International Moderator: ● Marjorie Musick Mentioned in This Episode: Adjusters International

Today, we will be discussing the legislative efforts of the National Association of Public Insurance Adjusters (NAPIA). Founded in 1951, NAPIA advocates for public adjuster education and a higher standard of professional conduct and ethics. NAPIA members are committed to working in the best interest of their clients and to conducting business with integrity. For more than 66 years NAPIA members throughout the U.S. have joined together for the purpose of education, certification, marketing opportunities, legal and legislative representation, scholarship and research and the promotion of the public adjusting profession. Key Takeaways: [1:54] How involved is NAPIA in the insurance legislation landscape? [6:44] The roles of Brian Goodman and Randy Goodman within NAPIA. [8:05] What are the biggest legislative challenges NAPIA and its members are facing? [13:05] Who punishes those who violate Unauthorized Practice of Public Adjusting (UPPA) laws? [18:37] How do these challenges affect consumers and insurance professionals? [19:42] What are NAPIA’s current legislative priorities? [22:26] How does NAPIA view hourly or set fees and what are they doing to address the situation in Louisiana? [24:50] In the five states with no licensing, are public adjusters permitted to work? [26:38] In the past 12-years, what are NAPIA's biggest legislative wins and how do those wins benefit policyholders and public adjusters? [27:41] What are some of NAPIA's legislative disappointments? [29:00] What is on the horizon for property and casualty insurance legislation? [30:59] How can people assist NAPIA’s in achieving its legislative goals? [32:28] NAPIA protects the consuming public. Panelists: Brian Goodman, Principal at Kramon & Graham PA Randy Goodman, Executive Vice President & Principal at Goodman-Gable-Gould/Adjusters International C. Todd Thomas, Executive Director at Adjusters International and Member of the Society of Risk Management Consultants Moderator: Marjorie Musick, Social Media Specialist at Adjusters International/Basloe, Levin & Cuccaro, and Jansen/Adjusters International Mentioned in This Episode: Adjusters International National Association of Public Insurance Adjusters (NAPIA)

Today, we will be discussing the highly-active 2017 hurricane season and its impact on the people, areas, and economy as well as how home and business owners can properly insure themselves for this exposure in coming years. Our panel of experts has first-hand experience in the public adjusting industry and will guide us through this discussion. Key Takeaways: [1:21] Why were home and business owners were caught off guard by Hurricane Harvey? [3:09] For future hurricanes, how can home and business owners prepare themselves? [3:59] What was unique about Hurricane Harvey? [4:39] What was the effect on Louisiana, Texas, and elsewhere? [8:57] Tips for property owners still dealing with the aftermath of Hurricane Harvey. [10:09] What is FEMA’s role in the clean-up efforts? [12:09] How long can residents expect to be affected after a hurricane? [13:59] What types of property insurance coverages are home and business owners lacking with regards to Hurricane Irma claims? [15:38] Is FEMA help available? And if so, what do these types of claims entail for a home or business owner? [18:45] Aside from insurance policies and FEMA grants, what other types of funding or help are available? [19:48] What was the overall impact of Hurricane Irma on the Caribbean and Florida? [21:40] Tips specific to those dealing with the aftermath of Hurricane Irma. [25:16] Hurricane Irma made landfall two weeks before Hurricane Maria; were residents more aware, cautious, and alert when it came to dealing with Maria? [28:51] What was the impact of Hurricane Maria on Puerto Rico? [30:57] Who can property owners go to for property damage claims related to Hurricane Maria? [32:37] For those living in the Caribbean, are there additional coverages home and business owners should buy to protect them from future hurricanes? Panelists: ● Jim Beneke — President — The Beneke Co./Adjusters International ● John Marini — President & CEO — Adjusters International ● Luis Esteves — Principal & Executive General Adjuster — Jansen/Adjusters International ● Todd Thomas — Executive Director of Consulting Services and member of the Society of Risk Management Consultants — Adjusters International Moderator: ● Marjorie Musick — Social Media Specialist — Adjusters International/Basloe, Levin & Cuccaro and Jansen/Adjusters International Mentioned in This Episode: Adjusters International National Association of Public Insurance Adjusters (NAPIA)

Today we will be discussing the insurance coverage for collapse. Throughout the years, insurance companies have updated the policy language as to what constitutes a collapse loss and continue to do so today. How can you be sure you are covered in case of collapse and furthermore, how can you help to mitigate a collapse loss to your property? Find out on this episode as we discuss collapse with our experts. Key Takeaways: [1:40] What are common reasons or circumstances that cause a property to collapse? [2:31] What constitutes a collapse loss according to the insurance company? [4:54] If a home or business were to collapse due to a natural disaster would it be covered under a standard property insurance policy? [7:23] How can policyholders protect themselves when it comes to exterior buildings on their property? [10:02] What happens if two variables cause the collapse of a property? How would the policyholder’s claim be handled? [16:11] How can home and business owners protect their property from collapse? [18:05] What happens when policy language is ambiguous when pertaining to a collapse? [21:14] What types of professionals are available to assist policyholders who are suffering from a collapse insurance claim? [24:55] Additional considerations regarding collapse claims. Panelists: ● Matthew Blumkin, Principal at The Greenspan Co./Adjusters International ● Todd Thomas – Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International Moderator: ● Brianna Moyer, Digital Marketing Manager – Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today — Insurance

Today we will be discussing the ins and outs of insurance policies, and the importance of understanding what your policy does say and cover, as well as what it does not. In this episode, our panelists will discuss how those with an insurable interest in a property can protect themselves from issues such as inadequate reimbursement should a disaster occur. Key Takeaways: [:27] After a disaster occurs such as a fire, flood, or severe windstorm and damages a property, what are some of the more common mistakes an insured or policyholder makes that results in the inability to provide proof of loss to the insurance company? [3:20] Is the ‘inability to provide proof of loss’ a common theme in property damage losses? [5:12] What are the ways in which a policyholder can prevent such roadblocks? [8:00] What does the concept of ‘insurable interest’ mean in relation to a property insurance policy? [9:38] If a person does not have to be the property’s owner in order to have insurable interest, what are some examples of parties that would have an insurable interest in a property? [11:49] A party who has an insurable interest in a property may not be involved in the day-to-day operations, or even be on-site. What types of conflicts can this result in when it comes to insurance policy definitions, interpretations, changes, and the like? [13:28] What can these other parties do to protect their stake in the property, aka their ‘insurable interest’? [17:36] Speaking of ‘Broadening the Named Insured,’ what are some challenges the agent, broker, or policyholder may face, when undertaking this task? [21:11] What are some challenges the agent, broker, or policyholder may expect when ‘Broadening the Property Definition,’ if they have to go that route? [22:09] Suffice it to say that these additions to a property insurance policy can play an important role in helping one avoid a large predicament such as inadequate reimbursement; what is the overall benefit of having them in place? Panelists: ● James R. Mahurin – Risk Management Consultant and member of the Society of Risk Management Consultants ● Tim Larsen – Executive Adjuster – The Greenspan Co./Adjusters International ● Todd Thomas – Executive Director of Consulting Services and member of the Society of Risk Management Consultants – Adjusters International Moderator: ● Brianna Moyer (Adjustersinternational.com/bios/executive-professional/), Digital Marketing Manager – Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today — Sometimes It’s What the Policy Doesn’t Say That Counts

Today we will be discussing the ins and outs of various interesting insurance claims that our expert panelists have handled and adjusted successfully. These memorable cases range from a fire at a Midwestern school to two New York City buildings that were damaged during Hurricane Sandy. Our panel of experts has extensive experience in the public adjusting industry, and will guide us through our discussion. [1:40] Electrical Fire in a Special Needs School — Chuck Sorrell Chuck describes a fire at a special needs school in Minnesota. The ways Chuck's company differed from the carrier’s consultant. Settlement details Client feedback [13:56] Fire in a Fast Food Restaurant The client had the proper coverage. This claim was unique because the insured was put in a position to manage sub-contractors. The challenges included a business hierarchy and a million dollar discrepancy. Lessons learned from this claim Other unique aspects to this claim and ADA ordinance issues [25:10] Major Loss from Hurricane Sandy — Keith Hayman Water surges from Hurricane Sandy destroyed the mechanical system. The details of how Keith’s team was able to assist the client Green tag alerts the building department that the building is able to be inhabited. This situation was unique because there was a sub limit cap on one building only. Adjusters International helped the client to retain their monthly income and to enhance the integrity of their asset. Challenges for this claim included difficulty with elevator banks and dealing with multiple decision makers. [35:21] Triple Net Property Lease Claim — Jim Mahurin The client had a substantial Leasehold Interest Policy The problems incurred during the handling of the claim. Why the agent who sold the policy is to be commended. The insured was paid and had no complaints about the settlement. How knowing your exposures can help you reduce risk with the correct insurance coverage. What is a triple-net value lease? Panelists: ● Chuck Sorrell — Owner — Xpert Consulting Services ● James R. Mahurin — Risk Management Consultant and member of the Society of Risk Management Consultants ● Keith Hayman — Senior Vice President — Goodman-Gable-Gould/Adjusters International ● Todd Thomas — Executive Director of Consulting Services and member of the Society of Risk Management Consultants — Adjusters International Moderator: ● Marjorie Zeoli Musick, Social Media Specialist – Jansen/Adjusters International, Globe Midwest/Adjusters International, and Adjusters International/Basloe, Levin & Cuccaro Mentioned in This Episode: Adjusters International Adjusting Today

This discussion will take an in-depth look at insuring the many exposures and losses that result from disastrous catastrophes. While multi-family buildings offer many amenities to residents such as maintenance and lawn care, which allow for a simplistic and flexible lifestyle, the insurance policy to cover them are anything but. Apartments and condos are often inadequately insured, and the risk posed for those who own or reside in them is high. For further insight on this topic, please see the corresponding Adjusting Today article: “Multi-Family Complexes (Apartment and Condo): An In-Depth Look at Insuring the Many Exposures and Losses.” Key Takeaways: [1:57] Defining what constitutes a multi-family property. [2:19] How do multi-family exposures differ from typical residential or commercial exposures? [3:13] Why, by law, must multi-family property owners purchase adequate insurance coverage? [4:45] Does preparing a multi-family policy take more foresight and planning than a conventional homeowners policy? [6:54] A 2014 study by the National Multi-Family Council, found approximately 43,267,432 Americans live in rental properties, and a survey by the Insurance Information Institute reported 94,000 fires recorded in apartment buildings the same year; do these figures surprise you? [8:09] Are rental apartments, condo, and cooperative apartments insured in the same way? [9:29] How are condominium and paired homeowner associations insured? Does it differ from apartment complexes? What two kinds of ownership are available for condos? [13:54] What is the building's management responsible for insuring? [14:57] What is a unit owner or renter responsible for? [16:35] What will standard building coverages, provided by the Insurance Services Office (ISO) include for a multi-family complex? [17:26] What additional coverages are available for apartments and condos? [21:25] What types of coverage are available to protect owners and residents from disasters? [22:19] What exclusion may arise from the type of coverages previously discussed, and are there additional coverages policyholders can purchase to counteract these exclusions? [25:53] What role does a deductible play in these claims, and how should one select a deductible amount when purchasing a policy? [32:31] What are unique insurance issues for apartments in comparison to condominiums? [36:00] What are lease provisions, and why are they important when processing property insurance claims? [38:45] What types of crime exposures face apartment owners, and is there coverage for this? [42:30] What types of non-residential exposures do apartment building owners face, and are there additional insurances they can purchase to protect themselves from these risks? [44:31] What types of loss control and safety measures can be taken to reduce property insurance and remediation costs? [46:48] What are common problems that come up when adjusting multi-family complex losses? [50:55] Are there any changes on the horizon for this type of coverage? [53:55] One piece of advice on multi-family complex coverages. Panelists: ● Bill Sharpe – Regional Director - Jansen/Adjusters International ● Josh Scott – Professional Public Insurance Adjuster - The Greenspan Co./Adjusters International ● Todd Thomas – Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International Moderator: ● Brianna Moyer – Digital Marketing Manager – Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today National Multi-Family Housing Council Insurance Information Institution

The National Association of Public Insurance Adjusters (NAPIA) provides the public adjusting industry with more than licensing. NAPIA board members have created scholarships, educational programs, and have arranged sessions with legislators to inform them of pertinent information regarding public adjusting. Today’s panel of experts discusses the substantial benefits NAPIA supplies to its members, and who is eligible to become a member. They also discuss the comprehensive NAPIA website and the professional designations NAPIA offers. Key Takeaways: [:57] What is NAPIA, when and how did it form, and what is its mission? [5:12] Who are NAPIA members and who is eligible to apply for membership? [6:33] How the panelists support NAPIA in addition to being members. [8:29] Karl Denison explains when and why his firm joined NAPIA. [10:00] Personal and firm-related benefits related to being a member of NAPIA. [12:45] Interactive educational programs provided by NAPIA include wind, roofs, business interruption and legal issues. [17:09] Greg Raab describes the Board and Officer process, and why it is important to get involved. [20:08] How has NAPIA helped changed the landscape for public adjusters? [22:54] NAPIA and the licensing initiatives it supports. [25:04] What does it mean to be a licensed public adjuster? [28:29] NAPIA has different designations, including CPPA and SPPA, and scholarship programs. [32:09] The comprehensive NAPIA website is a portal and a hub of what is going on in the industry. Panelists: ● Karl Denison - Executive Vice President & Principal at Goodman-Gable-Gould/Adjusters International ● David Barrack – Executive Director at the National Association of Public Insurance Adjusters (NAPIA) ● Greg Raab – Vice President at Adjusters International ● Todd Thomas – Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International Moderator: ● Marjorie Musick – Social Media Manager at Adjusters International/Basloe, Levin & Cuccaro, Globe Midwest/Adjusters International, and Jansen/Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today NAPIA CPCU

To quote Robert Baker's published piece on the Unauthorized Practice of Public Adjusting (UPPA), "The unlicensed practice of public adjusting is a vehicle of consumer fraud that preys on some of the most vulnerable elements of our society. The disaster-stricken, the elderly, the unsophisticated and those for whom English is a second language. Individuals losses range from a couple of thousand to tens of thousands of dollars. And frequently, victims are left without a remedy, because UPPA offenders just disappear or are not worth suing." Our experts discuss this timely issue - what it is, who is affected, and what can be done to stop it - in this episode. [01:52] What is the unauthorized practice of public adjusting and how and when did it start? [05:46] How did the practice of UPPA develop and get worse over time? [10:00] Do insurance agents ever assist in claims and does it cause confusion? [13:19] How prevalent is the problem and are some states worse than others? [15:25] In terms of dollars, what does this practice cost policyholders and/or the insurance industry? [22:18] What has been done to counteract this practice and who is doing it? [25:42] How are the insurance industry and public adjusters united in addressing this issue? [27:35] Have insurance companies taken a position on this topic? [32:08] Once claims have been settled, do homeowners have any recourse? [34:14] Real world examples of unlawful public adjusting activity. [38:28] Recommended resources for home and building owners who may experience the illegal activity. [40:00] What is being done to educate consumers about this issue? [42:04] Additional thoughts from the panel. Panelists: Art Jansen, Chief Executive Officer – Jansen/Adjusters International Jim Beneke, President – The Beneke Company/Adjusters International Brian Goodman, Principal – Kramon & Graham PA Steve Badger, Attorney/Senior Partner – Zelle LLP Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants – Adjusters International Moderator: Brianna Moyer, Digital Marketing Manager – Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today National Association of Insurance Commissioners (NAIC) National Association of Public Insurance Adjusters (NAPIA) Consumer Protection Agency

According to the Insurance Information Institute, insured losses due to natural disasters in the U.S. totaled $16.1 billion in 2015 and $15.3 billion in 2014. Some of the most expensive disasters to hit the U.S. included Hurricane Katrina in 2005, the World Trade Center terrorist attacks in 2001, Hurricane Andrew in 1992, Hurricane Sandy in 2012 and the Northridge California Earthquake in 1994. How can businesses prepare to weather these types of events and the cost associated with them? The chances of a full and expedient recovery are greatly improved when a comprehensive disaster recovery plan is in place. This discussion explores how and why those organizations that anticipate what could happen, and plan for it, stand a much better chance of surviving. Our experts review the basics, disaster recovery planning, coupled with interesting facts and statistics about the impact of natural and manmade disasters. Key Takeaways: [2:20] Is it true that natural disasters are happening more frequently or are we just paying more attention to the property damage costs associated with these disasters? [4:33] According to the Insurance Institute for Business and Home Safety, many businesses aren’t prepared to respond to a man-made or natural disaster. Does this statement surprise you? [6:15] Are there differences between business continuity plans, continuity of operations plans and disaster recovery plans? [7:42] How can a business test their level of disaster preparedness? [13:47] What are the main steps in the disaster recovery plan development process? [15:24] When developing a disaster recovery plan, why doesn’t a one-size-fits-all approach work for every organization? [18:31] What types of challenges can a planning team run into when developing their disaster recovery strategy? [20:32] If an organization has no disaster preparedness plan in place, why is establishing their team the most important aspect? [26:42] What goals should be met during the first disaster preparedness planning step? [29:52] In the Adjusting Today publication the second step in the planning process is to analyze capabilities and hazards, how should the planning team conduct this analysis? [33:23] Did 9/11 spawn the need to include terrorist attacks in disaster planning? [34:07] Step 3 in the process is establishing the plan. [37:35] Post-disaster considerations that an organization’s disaster preparedness team should discuss. [45:02] What role should technology play in an organization’s disaster plan development and recovery efforts? [46:15] Once a plan has been completed and approved how should an organization implement it? [52:34] What is on the horizon for disaster recovery planning? [55:56] Examples of organization’s putting together great plans to effectively see them through a disaster. Panel of Insurance Experts: Daniel Craig, Senior Vice President — Adjusters International John Marini, President and CEO — Adjusters International Michael Roberts, Director, Preparedness Division — Tidal Basin Government Consulting C. Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants— Adjusters International Moderator: Marjorie Musick, Social Media Specialist — Globe Midwest/Adjusters International, Jansen/Adjusters International, and Adjusters International/Basloe, Levin & Cuccaro Mentioned in This Episode: Adjusters International Adjusting Today U.S. Geological Survey Website National Earthquake Information Center Federal Emergency Management Agency National Hurricane Center National Climatic Data Center National Weather Service National Oceanic and Atmospheric Administration National Interagency Fire Center National Center for Public Policy Research National Continuity Policy Continuity Guidance Circular 1 & 2 Climate Prediction Center Center for Disease Control Red Cross World Health Organization

According to the National Park Service, "as many as 90% of wildfires in the U.S. are caused by humans, resulting from campfires left unattended, the burning of debris, negligently discarded cigarettes, and intentional acts of arson. The remaining 10% are started by natural phenomena, such as lightning or lava." Regardless of the actual cause, wildfires can be devastating. The Insurance Information Institute reports that "the 2015 fire season set a new record for the number of acres burned in the U.S. Between January 1st and December 30th there were 68,151 wildfires, which burned 10,125,149 acres according to the National Interagency Fire Center." Over the 20-year period 1995-2014, fires, including wildfires, accounted for 1.5% of insured catastrophe losses totaling $6 billion dollars, according to the Property Claims Services Unit of ISO. During today’s discussion, we will explore the important areas of risk management and property insurance that must be addressed, to be prepared for the destruction that can be caused by future wildfires. Key Takeaways: [3:04] What is a wildfire, how do wildfires start, and which areas of the U.S. are impacted the most? [4:13] What is a wildfire hazard zone, and how can policyholders find out if they live in one, and how best to assess their risk? [4:50] Are wildfire insurance claims different from other fire insurance claims? Are the rules and restrictions the same? [5:34] How can a property be compromised if subjected to a wildfire? [6:52] What are things home and business owners can do, to prepare for a disaster such as a wildfire, for easier claims processing? [7:40] Does a standard insurance policy include coverages to assist those affected by an emergency situation? [8:42] What options exist under Additional Living Expenses (ALE) coverage? [10:26] For renters of apartments, condos, etc., what are their responsibilities, and what are the responsibilities of the building manager, in a wildfire situation? Also, what type of insurance coverage do they need in order to be fully reimbursed? [11:41] What extra coverages should homeowners have added to their policy, in order to mitigate any and all risk? [12:42] What extra coverages should business owners have added to their policy, in order to mitigate any and all risk? [14:16] After a wildfire occurs, contractors are in high demand. How does this affect construction cost? [15:02] What are the biggest hurdles in establishing building valuations post-wildfire? And, what can be done in advance to overcome these hurdles? [16:15] What steps can home and business owners take to help recreate lost personal property? [17:55] Examples of real life wildfire claims. [19:10] What challenges exist when dealing with carriers, due to the volume of claims post-wildfire? [20:10] What about debris removal, county-sponsored authorized companies, and how they affect recovery? [21:48] What actions should a policyholder take, immediately following damage from a wildfire? [23:16] What is meant by ‘rule of thumb’ values, and why some valuations don’t apply in post-disaster environments? [24:26] Who is available to assist policyholders to become familiar with the ins and outs of their insurance policies? [25:57] The panel shares expert advice regarding wildfire insurance claims. Panel of Insurance Experts: C. Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants — Adjusters International Bruce Tibert, Professional Public Insurance Adjuster — The Greenspan Co./Adjusters International Jody DuVall, Inventory Specialist — The Greenspan Co./Adjusters International Kyle Hensiek, Professional Public Insurance Adjuster — The Greenspan Co./Adjusters International Moderator: Marjorie Musick, Social Media Specialist — Globe Midwest/Adjusters International, Adjusters International/Basloe, Levin & Cuccaro, and Jansen/Adjusters International Mentioned in This Episode: Adjusters International

A small storm that causes a tree to fall on the roof of your home, to a large-scale disaster that takes out an entire shopping plaza, will call for clean up in the aftermath. Added to this complex situation could be hazardous materials or pollutants that are exposed to the environment, nearby towns or residences, in a disaster setting that will also need to be taken care of. Our experts discuss which coverages you need to protect your home, business, and self from having to incur these additional costs. For further information on this topic, please read our corresponding Adjusting Today article titled "Debris Removal and Pollution Damage: How These Additional Costs Impact the Property Claim." Key Takeaways: [2:06] Are the costs to clean up debris after a disaster, such as a hurricane, flood, or wildfire, included in a standard residential or commercial insurance policy? [3:18] Debris removal coverage will include the following to a standard policy. [4:07] What is the history of debris removal coverage? [5:48] Who is responsible for cleaning and removing debris or hiring contractors to help? [7:05] How can policy holders comply with insurance company rules regarding debris removal coverage? [8:31] What types of pollution can result from a property damaged in a disaster situation? [9:51] How does a home or business owner predict if pollutants may be exposed, in the event a disaster occurs? [11:49] How has debris removal coverage impacted the settlement of policyholders’ claims? [14:20] What problems have arisen for policyholders that have debris removal coverage? [17:27] What type of coverage is necessary, to mitigate the risk of extracting pollutants from land and/or water? [18:35] What does pollution, or the term pollutants, coverage include, and what does it exclude? [19:13] Real life examples of times when pollution coverage was needed. [20:37] Advice for listeners on debris removal coverage and pollution coverage. Panelists: Jim Beneke, President, The Beneke Company – Adjusters International John Marini, President and CEO – Adjusters International David E. Moore, COO, Jansen/Adjusters International – Adjusters International Steven Vanuga - Regional VP, Adjusters International/Basloe, Levin & Cuccaro – Adjusters International C. Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants – Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today

This podcast and the corresponding Adjusting Today article titled, "Disasters, Raising Questions of Insurance Adequacy: Bombings! Hurricanes! Earthquakes! Fires!" is designed to assist policyholders in making educated decisions regarding insurance coverages. In this episode, our expert panelists discuss the ever-changing landscape of insurance coverages in the face of disasters such as bombings, hurricanes, earthquakes, fires and more. This conversation explores risks that property owners may face, both natural and man-made, that can affect their coverage. Key Takeaways: [2:06] Is there a place in the world that is immune to disasters, man-made or natural? [2:49] Advice for business owners who have just suffered a disaster. [4:45] Is it true that after a large scale disaster, tenants who did not experience damage to their property may be prevented from re-occupying their property by order of Civil Authority? [10:34] What do business owners need to know about Civil Authority coverage? [13:53] What is the extended period of indemnity and how can business owners use this coverage after a property loss occurs? [19:28] Examples of obtaining materials in a low supply, high demand environment after a disaster. [24:03] Real life examples of common mistakes made by policyholders with regards to disasters. [28:16] How can home and business owners be sure they are evaluating their coverages adequately? [34:10] If a property owner owns more than one property at multiple locations, can all the locations be covered on one policy? [36:33] If a contractor cuts corners and the property is damaged afterward, what are some possible consequences for the insured? [46:26] Does a standard insurance policy cover documents and records lost during a disaster, and what coverages can help mitigate risk? [47:46] Are there unusual examples of man-made disasters that can help others learn from past mistakes? [51:41] The panels final thoughts on adequate coverages for manmade and natural disasters. Panelists: Luis Esteves, Principal & Executive General Adjuster at Jansen/Adjusters International Clay Gibson, Professional Public Insurance Adjuster - The Greenspan Co./Adjusters International John Marini, President and CEO - Adjusters International Bill Sharpe, Commercial Insurance Loss Consultant - Jansen/Adjusters International C. Todd Thomas, Executive Director of Consulting and Services and member of the Society of Risk Management Consultants - Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today - "Disasters, Raising Questions of Insurance Adequacy"

This podcast and the corresponding Adjusting Today article titled, "Difference in Conditions Coverage: What It Is and Who Needs It?" is designed to assist any business that needs more protection than supplied by standard property insurance in regards to flood and earthquake perils. Today’s expert panelists answer questions regarding terminology, past and present changes in coverage, and what types of businesses need this type of coverage. This roundtable ends with additional important thoughts and real life examples of DIC policies. Key Takeaways: [1:45] What is the Difference in Conditions (DIC) coverage? [2:36] Why are these policies often misunderstood by policyholders? [3:34] Who or what types of businesses need this type of coverage? [7:19] To which type of disasters, other than flood and earthquake losses, does this coverage apply? [10:21] A coinsurance requirement can have a serious adverse effect on the insured at the time of loss. Why? [11:24] Why is it important to watch for definitions, such as flood and earthquake, if they are defined in your main policy? [16:05] What type of limits do DIC policy limits contain, as compared to AAIS form limits? [20:25] Do commercial insureds who carry business interruption or business income coverage in their main commercial property policy also need to purchase similar coverage in their DIC policy? [21:37] Why the ordinance or loss can be troublesome for policyholders who sustain serious property loss. [24:00] How are subrogation provisions usually written in DIC policies, and what role do they play? [25:08] Are court decisions involving DIC coverage common, and if so, why? [27:03] What is a Builder’s Risk DIC policy? [30:00] Why are there no standard DIC policies available? [31:34] How has DIC coverage changed in past 10 years? [33:29] Do you see big changes on the horizon for DIC coverage? [34:53] Additional roundtable thoughts on DIC policies. Panelists: Jim Mahurin, Risk Management Consultant and member of the Society of Risk Management Consultants C. Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International R. Scott deLuise, CCIM, CPPA, SPPA, President and CEO - Adjusters International/Matrix Business Consulting Mentioned in This Episode: Adjusters International Adjusting Today - Difference in Conditions Coverage #3042

This podcast and the corresponding Adjusting Today article titled, "Builder’s Risk Insurance: Specialized Coverage for Construction Projects" focus on a policyholder and which steps they should take to ensure there is adequate insurance coverage on their upcoming or existing new construction project. Important points of this roundtable include identifying exposures, increased costs due to the shelf-life of previously acquired bids and basing your Builder’s Risk Insurance policy on the anticipation of a total loss. Key Takeaways: [1:14] How to define Builder’s Risk Insurance. [2:31] Who purchases Builder’s Risk Insurance? [3:51] When a building is being constructed what kinds of risks is it exposed to? [5:54] Who and what can be covered under a Builder’s Risk policy? [10:31] How do you define the term builder? [13:22] Does this policy cover materials in transit to the job site as well as when materials are in storage awaiting transit? [18:03] What is the best way for a buyer to get adequate coverage? [21:06] What are common errors on the Completed Value Form? [27:43] What is the difference between a Completed Value Form and a Reporting Form? [31:07] What role does a deductible play when calculating penalties relating to Builder’s Risk Insurance? [32:40] What are examples of covered causes of loss and exclusions under a Builder’s Risk policy. [45:38] What options are available if a Builder’s Risk policy is terminated but there is still work to be completed on the building? [51:41] What beneficial optional coverages are available for a policyholder to add in a Builder’s Risk policy? [57:32] What is Contingent Coverage with regards to Builder’s Risk Insurance? [1:02:04] Who should a person seek out when investing in an insurance policy or after sustaining a loss? Panel of Insurance Experts: Tony D’Amico, Senior Vice President at Goodman-Gable-Gould /Adjusters International Jim Mahurin, Risk Management Consultant and member of the Society of Risk Management Consultants C. Todd Thomas, Executive Director of Consulting and Services and member of the Society of Risk Management Consultants - Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today - Builder’s Risk Article #3037

This podcast and the corresponding Adjusting Today article titled: "Hurricanes and Windstorm Coverage," focus on the idea that understanding your insurance policy before a disaster strikes is essential to protecting your organization from the next major hurricane or windstorm and ensuring a fast recovery. Different types of special coverages may be available and needed for property owners in hurricane prone areas. Tips for policyholders include: making sure there is an electronic PDF copy of the insurance policy, before and after claim property pictures/videos, insurance audits and considerations for microbes. Key Takeaways: [1:30] What areas of the United States are the most exposed to hurricanes or tropical storms? [2:54] What type of hurricane damage should property owners be concerned about? [5:07] Does a standard residential or commercial insurance policy protect a property from hurricane damage or is special coverage required? [8:10] In layman’s terms, what types of coverages are available that would benefit property owners in case of a hurricane or windstorm? [25:10] Is mold covered in a standard insurance policy and is it capped? [29:23] In the aftermath of a hurricane, what is the first thing a policyholder should do? [36:46] Additional comments from the panelists about coverages and premiums. [38:58] How have insurance policies changed based on past major hurricane events? Panel of Insurance Experts: Keith Hayman, Director of National Development - Goodman-Gable-Gould/Adjusters International John Marini - President and CEO - Adjusters International C. Todd Thomas - Executive Director of Consulting and Services and member of the Society of Risk Management Consultants - Adjusters International Mentioned in This Episode: Adjusters International Adjusting Today - Hurricane and Windstorm Coverage Article by Keith Hayman

Equipment Breakdown Insurance covers loss and/or failure for many types of equipment from air conditioners to industrial presses. Insurance policyholders are urged to review their policy documents to ensure they have the proper coverages should an event occur. Policyholders should also keep complete maintenance records, photos of the equipment during the breakdown or loss and a written procedure, including contact information, with the correct steps post-breakdown. For further information on this topic, please read our corresponding Adjusting Today article: "Equipment Breakdown Insurance: Too Important to Ignore!" Key Takeaways: [1:17] What is Equipment Breakdown Insurance and what does it include? [3:21] What types of failures are covered under Equipment Breakdown Insurance ? [4:00] What does Equipment Breakdown Insurance exclude? [5:40] What types of coverages are available to counteract the exclusions? [7:46] Which types of equipment are categorized under this type of coverage? [9:55] What type of forms are used to implement Equipment Breakdown Insurance? [10:57] How can a policyholder be sure they have the adequate coverage for their facility and machinery? [18:30] What are the first steps a policyholder should take post breakdown? [20:46] How does a catastrophic event affect the time it takes to get an adjuster to inspect a loss? [21:44] Additional comments from the panel about Equipment Breakdown Insurance, including real life examples. [26:28] The three obligations a policyholder has regarding an Equipment Breakdown Insurance claim. Panelists: Chris Hax, Engineer - Continental Machinery Bill Sharpe, Commercial Insurance Loss Consultant- Jansen/Adjusters International C. Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants Mentioned in This Episode: Adjusters International Adjusting Today

Oftentimes post-disaster, policyholders unfortunately discover that they do not have enough insurance on their property. Preparation and planning in advance surely can help avoid such issues as being underinsured. However, after a loss there are still options available to the policyholder to maximize their financial recovery and minimize their underinsured loss. For further information on this topic, please read our corresponding Adjusting Today article: "How to Make the Most of an Underinsured Loss" Key Takeaways: [1:07] How often are policyholders underinsured? [2:17] How can policyholders ensure they have the proper coverage? [5:36] How often should business owners meet with their insurance company? [6:11] What are blanket policies and how do they affect coverage limits? [8:53] What do policyholders need to do to conduct a comprehensive analysis of their policies? [14:50] Where do policyholders find hidden coverages? [18:40] Is landscaping coverage often overlooked? [23:11] What is third-party recovery and how does it affect coverage? [24:51] How does an insurance company adjuster help with third-party recovery, as opposed to a public adjuster? [29:01] How can the insured request advance payments from insurance companies? [30:35] Why is it important to negotiate during a policy claim? [34:08] What role can tax relief, government benefits and legal assistance play in the insurance claim process? [39:09] Where should people go to find an insurance adjuster in their area? Panelists: Ethan Gross, Vice President & COO - Globe Midwest/Adjusters International Clay Gibson, Professional Public Insurance Adjuster - The Greenspan Co./Adjusters International C. Todd Thomas, Executive Director of Consulting Services and member of the Society of Risk Management Consultants - Adjusters International Mentioned in This Episode: Adjusters International ISO Society of Risk Management Consultants