No matter what the catastrophic event, the time immediately following it will be bad. Imagine how much worse it would be if you did not have a...

Originally presented at the American Conference Institute – Toxic Mold Litigation Conference, this paper discusses the public insurance adjuster’s role and perspective on valuing mold claims and the how this type of claim has become of such concern.

When the firetrucks arrived, Howard Green of Valparaiso, Ind., was atop his house with a garden hose, trying to keep the roof from igniting. He had accidentally set the chimney on fire while attempting to remove a beehive, and the second floor was in flames. The next day, Green says, his State Farm insurance agent delivered a $5000 check. Green and his wife began to inventory the debris – 40 bags of "smelly, smoke-laden stuff" and burnt mattresses. Seven months after the September 1997 fire, the bags were still in the garage and the Greens were still sleeping in the dining room. While State Farm had paid $75,000 for structural damage, it still hadn't paid the $70,000 claim to replace the destroyed contents...

Sooner or later, every business owner confronts an insurance nightmare...

1. Review your policy with your insurance agent/advisor now to make sure you have adequate coverage.

2. Secure a copy of your insurance policy away from...

As we approach the 2-year anniversary of Hurricane "Andrew" thousands of South Florida condominium residents...

Two years have passed since the Hurricane and thousands of South Florida condominium residents still have unresolved insurance claims. At issue are millions of dollars in damages to... 

Most people think that all insurance is like life insurance. When someone dies, someone else expects to get a check. It does not work that way in the property insurance market...

When Will and Karen had a house fire on Vashon Island, they hired a public adjuster to represent them in dealing with the insurance company. The company's first offer to replace the damaged structure was $4,000. The Gerrier's eventually received...

Each year, more than a half a million American families suffer the trauma of a fire of some seriousness in their homes, and the annual bill for damages is edging close to $3 Billion. But as people discover every day, the fire is only the beginning...