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9 Replies and 6462 Views Supervision Labor  6462  9 Started by  General &160;Hello - I need an opinion. &160; Lately, over the past few months, I've seen more and more contractor's adding the line item 'supervision labor' to estimates. &160;This is above and beyond O&P, and in fact O&P is also placed on this supervision labor. Generally, I've been seeing this on mid sized residential losses - losses in the range of $50K-$150K. &160;When I comment and say supervision is included in O&P, I get a resounding 'No - Overhead is to keep the lights on all ...
9 6462
by  sdnashJump to last post
04/01/2011 2:25 PM
9 Replies and 4733 Views Does any state allow co-insurance on a dwelling policy ?  4733  9 Started by  Ray Hall Do not confuse replacement coverage requirements on a Homeowners policy with co insurance. I am not aware of any state that allows a co insurance clause(for the reduction in premium as the insured&160; is co insurer on each loss). I THINK you will find the answer to be 'not allowed on a dwelling policy on building and contents in all states.(It was this way 50 years ago). &160;This is another question.. Give a reason given by the insurance carriers to the consumer,s for having a deductible lim...
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by  Ray HallJump to last post
08/29/2010 11:20 AM
27 Replies and 19593 Views \We insure against risk of direct physical loss to property\  19593  27 Started by  Ray Hall
(Topic has multiple pages1 2 )
I have taught insurance coverage over the years and just saw an excellant example of 'direct physical loss to property' this was a case of a domestic house cat trapped behind the sheetrock of a house being constucted in Winslow, AZ. The owner closed and moved in and heard 'meow' over the kitchen ceiling several days ago and cut 4 holes to remove the cat, this made the poor cat to move and todays photos showed a bath room wall removed.&160; Yep all covered under the HO-3 subject to the 2 deduc...
27 19593
by  Ray HallJump to last post
08/20/2010 9:55 AM
6 Replies and 6805 Views Does anyone know of a place to get HO policies for each state?  6805  6 Started by  Jim Teer I am trying to find a copy of Minnesota's standard homeowner's policy. It wasn't as easy as I thought; accordingly, is anyone aware of perhaps a website that has a comprehensive database of policies If not, what suggestions do you have for quickly locating HO policies and their endorsements for various states Appreciate any help anyone could offer..thanks. &160;
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by  Jim TeerJump to last post
08/19/2010 4:59 PM
18 Replies and 5497 Views definition of incur  5497  18 Started by  Leland Most adjusters are familiar with two lines of coverage that require the insured to 'incur' an expense: law and ordinance coverage (commonly known as building code upgrade coverage) and ALE. Normally the insured is asked to  provide receipts.  But what does incur actually mean  Does the insured need to actually make a payment, or is it enough to owe the money to a third party ie. sign a contract  Would you accept a signed contract between the insured and a general contr...
18 5497
by  swink_dJump to last post
08/08/2010 10:36 PM
59 Replies and 16392 Views Storm loss Questions  16392  59 Started by  Ray Hall
(Topic has multiple pages1 2 3 )
This is a hypo question, but timely since we are in hurricane season, and this one question is this most mis-understood question for new people and some who never learned good coverage skills. The state is TX. The policy is the HO-3  (HO 00 03 10 00(1999 iso) The A limit is $120,000 The B is$12,000. The C is 72,000. The D is $24,000. the deductible is 1. You are working in the call center fast track team to settle simple claims by one phone call on the same day that the storm hit,&nbs...
59 16392
by  LelandJump to last post
08/08/2010 11:07 AM
11 Replies and 8579 Views Fire Damaged Tools  8579  11 Started by  marty How do you handle hand tools (craftsman brand) with lifetime warranty, damaged by a fire  How do you dep, these items  It seems to me that in theroy that they never ware out.
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by  Ray HallJump to last post
08/05/2010 3:40 PM
10 Replies and 6087 Views Real Estate Appraiser - Expanding Business into Adjusting?  6087  10 Started by  Phineas I'm located in Chapel Hill, NC and I'm working on getting my Residential Appraisal Certification - I'm about 3/4 of the way through my apprenticeship (under my dad).  He recently had a rental property catch on fire, so I've been finding out more about the fire insurance process, and they are now going through the 'appraisal clause' due to discrepancies between the insurance co.'s adjuster and our local contractors. Anyways, I've become interested in trying to diversify our business, an...
10 6087
by  Ray HallJump to last post
08/02/2010 3:59 PM
6 Replies and 4856 Views TWIA Sample File  4856  6 Started by  Ray Hall I have a 14 page sample file that TWIA Published. This is a bare minimum required by TWIA and most other carriers on a hurricane file. I will PDF back to you if you email me. rhrayhallgmail.com
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by  Ray HallJump to last post
08/02/2010 3:53 PM
1 Replies and 3421 Views Orlando and Space Coast adjusters  3421  1 Started by  Brian Hey everybody, Trying to gear up for this hurricane season and haven't worked a storm in over a year.  Anyone in the same situation that wants to meet up and practice writing a claim or xactimate  Rather than taking a class we as adjusters could get together and compare estimates, this would be just as good or not better than one of those re-fresher classes.  If you live in the Orlando or Space Coast region hit me up.  brianlamothehotmail.com Good luck this season...
1 3421
by  Ray HallJump to last post
08/02/2010 3:49 PM
25 Replies and 13198 Views Allstate Has Acted In Bad Faith  13198  25 Started by  Odin
(Topic has multiple pages1 2 )
Hello everyone, &160;&160; I am writing this blog entry in order to reveal the facts behind what Allstate has done here in the State of Colorado during this 2009 hailstorm season.&160; Once again Allstate has hit a new low in how they operate, shortchange their Insureds and the contractors who do the work for their Insureds, and how Allstate is getting away with it. &160;&160; Here are some basic facts.... &160;&160;&160; Allstate has.... &160;&160;&160;&160;&160; a) Gone into t...
25 13198
by  Montana GoldustJump to last post
07/28/2010 7:50 PM
12 Replies and 6598 Views Participation in Loss/Deductibles  6598  12 Started by  CMR I offset a deductible in Galveston on a couple of occasions where the additional structure loss exceeded policy limits.  Here's a few questions:   1.  Could the participation in loss loophole apply to ACV item such as fencing in offsetting deductibles 2.  Tree removal, computers, firearms, boats, etc.  Could those losses offset deductibles   Also, what's the legalities of invoicing to receive depreciation for work not performed  Unless I'm mistaken...
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by  Ray HallJump to last post
06/24/2010 11:49 AM
9 Replies and 4673 Views Texas Lawsuits-21Century Hurricane Losses-The following Years  4673  9 Started by  Ray Hall I don,t think many commercial Ike Claims ended up in the TV lawyers office, but far too many 'so called paid and settled' HO losses did. I remember about 8 years ago State Farm, Allstate and possibly more had the 'table top' settlement program designed to stop many of the reopens and long tail clean up. It seemed to work and was in force for several years. I do not know, but 04 and 05 may have changed this practice. I do know 05 Katrina MS. losses on the beach changed the wavewash losses to rev...
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by  Ray HallJump to last post
06/07/2010 11:30 AM
12 Replies and 6857 Views Principle of Indemnity and Insurance Fraud  6857  12 Started by  insprojohn I would love to get some replies to the following thoughts: &160; I posted the below as well as a very good piece on Roofer and SIU&160;Insurance Fraud in the Community Forums &160; Why not a partnership&160;&160;If I had to choose between reporting a scumbag insured for insurance fraud, helping the insurer get restitution, and possibly get paid a percentage; if not most of the RCV&160;money&160;for the&160;roof job the insured refuses to me for&160;I would gladly do that; instead ...
12 6857
by  Ray HallJump to last post
05/16/2010 12:40 AM
6 Replies and 3544 Views The of the deductible clause.  3544  6 Started by  Ray Hall This clause was purported to be introduced to keep insureds from reoprting small events that did not exceed the decutible amount. My first years in adjusting it was $50.00 on auto collision and $0 on all auto perils. $50.00 or $100.00 for Windstorm, hurricane or hail, ONLY not fire, lightning or&160; the other EC perils. As we are aware today it is on all perils and ranges down from $25 -50K on commercial to $10,000 on any peril home homeowners or up to 5 of the insured amount on the Dwelling...
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by  Ray HallJump to last post
03/24/2010 10:30 AM
6 Replies and 3520 Views Freeze loss Coverage Question  3520  6 Started by  Ray Hall This is a Texas Claim under a Texas HOA-modified which is the most sold policy in Texas after the mold gold in the early 1990`s This policy is named peril and accidental damage by frozen pipes is covered with the due dilagence conditions, namly heat in the building OR the water turned off and the pipes drained. No question the house was un occupied This was presented to me at church this morning by the agent of the insured. The named insured is a single man , age 50 who lives in a small 2 BR on...
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by  Ed BJump to last post
02/01/2010 1:12 AM
108 Replies and 43147 Views Unsealed Shingles  43147  108 Started by  BennyBulger
(Topic has multiple pages1 2 3 ... 4 )
Can anyone tell me what the standards are for shingles that are not sealed down I have a roof that went through a major storm with winds reaching almost 100 mph. None of the shingles on any of the slopes are sealed. It has been almost 2 months since the storm, they should have re-sealed by now. There is some debris under some of the shingles.
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by  RandyCJump to last post
12/01/2009 10:33 PM
17 Replies and 10775 Views Depreciation  10775  17 Started by  kmerian Here is an issue I would like your opinions on. What way have you found is the best way to explain depreciation or 'holdback' to an insured when dealing with an RCC&160;policy&160; We all have to do it., and I&160;admit I&160;don't get it across as well as I should some times. How do you explain it
17 10775
by  Ray HallJump to last post
11/25/2009 11:13 AM
14 Replies and 4887 Views Cumberland Insurance Group    4887  14 Started by  Homeowner101 Hello Everyone. I'm a homeowner in New Jersey and am considering changing my homeowners policy to a company called Cumberland Insurance Group. Does anyone know anything about them Are they a good company Do they work with homeowners if they need to file a claim or do they fight you every step of the way I currently have a company called Palisades Insurance. Since I live near the coast they raised my 'hurricane deductible' to $8,000.00. I could not believe it. My normal deductible is $500.00. ...
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by  Ray HallJump to last post
11/10/2009 4:54 PM
16 Replies and 6256 Views Condominium Unit Owners Policy Question  6256  16 Started by  ClaimsPro What items would be covered on this policy (USAA HO6)&160; There is Contents and Loss of Use coverage listed on the loss notice.&160; I assume this is a paint inward type policy.&160; No roof inspection would be needed correct&160; Just check for water damages to the unit owners personal items&160; Is carpet a covered item as well Thanks for the help in advance! Dave. &160; &160;
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by  Tom RongstadJump to last post
11/09/2009 6:00 PM
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