L2 Insurance Consulting LLC

10/17/2023

As a homeowner, understanding every aspect of your insurance policy can often feel like navigating an intricate maze. One such area that tends to cause confusion is the concept of Contents Coverage. It's a fundamental part of your homeowners' insurance policy, yet many are unsure when it applies and when it doesn't. In this article, we aim to demystify this topic, providing clarity on policy specifics, types of losses covered, and real-world scenarios to help you better comprehend when you can expect contents coverage to kick in.

As a homeowner, understanding every aspect of your insurance policy can often feel like navigating an intricate maze. One such area that tends to cause confusion is the concept of Contents Coverage. It's a fundamental part of your homeowners' insurance policy, yet many are unsure when it applies and

10/15/2023

Being a property adjuster is like being a detective, a diplomat, and a mathematician all rolled into one. It's a rewarding yet challenging profession that requires a keen eye for detail, the ability to negotiate effectively, and a solid understanding of complex financial concepts. But let's face it, the training can feel like you're drinking from a fire hose. So, how do you manage and retain all this information without losing your sanity?

Being a property adjuster is like being a detective, a diplomat, and a mathematician all rolled into one. It's a rewarding yet challenging profession that requires a keen eye for detail, the ability to negotiate effectively, and a solid understanding of complex financial concepts. But let's face it,

09/19/2023

Welcome to the complex world of claims adjustment! As you embark on your new career, you'll quickly learn that navigating insurance claims is both an art and a science. One of the most treacherous territories in this realm is the concept of "waiver and estoppel." Missteps here can have serious implications for both your insurer and your own professional standing. There are reliable and proven guards at the gates to this minefield in our realm.

Let's dive deep and understand the dangers, the most common pitfalls, and strategies to keep you on solid ground.

One of the most treacherous territories in this realm is the concept of "waiver and estoppel." Missteps here can have serious implications for both your insurer and your own professional standing. There are reliable and proven guards at the gates to this minefield in our realm. Let's div

09/13/2023

As a seasoned property claims adjuster, I understand that ambiguities in insurance policies can present significant challenges. They can lead to misunderstandings, disputes, and an overall lack of clarity for both policyholders and insurance professionals. This is some practical advice on managing these ambiguities effectively, ensuring fair treatment for policyholders while protecting the interests of the insurance company.

As a property claims adjuster, I understand that ambiguities in insurance policies can present challenges. They can lead to misunderstandings, disputes, and an overall lack of clarity for both policyholders and insurance professionals. This is some practical advice on managing these ambiguities effe

09/12/2023

When it comes to property claims, two concepts often come into play—mitigation and remediation. These terms may sound similar, but they have distinct meanings and roles in the claims process. Understanding these differences is crucial for property owners navigating a claim and for claims adjusters managing the process. I’m sure you’ve heard the old addage, “An ounce of prevention is worth a pound of cure.” The same could be said in regard to these two processes, “An ounce of mitigation is worth a pound of remediation.”

When it comes to property claims, two concepts often come into play—remediation and mitigation. These terms may sound similar, but they have distinct meanings and roles in the claims process. Understanding these differences is crucial for property owners navigating a claim and for claims adjusters...

09/11/2023

In the digital age, social media has become an integral part of our daily lives. These platforms connect us with family, friends, and communities worldwide, providing a space for shared experiences, conversations, and ideas. However, they also can become arenas for disagreement, discord, and even damaging arguments. As Christians, we're called to uphold a standard of love, peace, and understanding, which can sometimes be challenging in the face of social media arguments. Here are five biblical reasons why we should avoid such disputes.

Social media has become an integral part of our daily lives. Social Media connect us with family, friends, and communities, providing a space for shared experiences, conversations, and ideas. They also can also become arenas for disagreement, discord, and even disdain. As Christians, we're called to

09/11/2023

Saw this in a reel, and found it very intriguing.

Think about this:

“One day the angels came to present themselves before the Lord, and Satan also came with them. The Lord said to Satan, “Where have you come from?” Satan answered the Lord, “From roaming throughout the earth, going back and forth on it.”

Then the Lord said to Satan, “Have you considered my servant Job? There is no one on earth like him; he is blameless and upright, a man who fears God and shuns evil.” “Does Job fear God for nothing?”

Satan replied. “Have you not put a hedge around him and his household and everything he has? You have blessed the work of his hands, so that his flocks and herds are spread throughout the land. But now stretch out your hand and strike everything he has, and he will surely curse you to your face.”

The Lord said to Satan, “Very well, then, everything he has is in your power, but on the man himself do not lay a finger.” Then Satan went out from the presence of the Lord. One day when Job’s sons and daughters were feasting and drinking wine at the oldest brother’s house, a messenger came to Job and said, “The oxen were plowing and the donkeys were grazing nearby, and the Sabeans attacked and made off with them. They put the servants to the sword, and I am the only one who has escaped to tell you!”

While he was still speaking, another messenger came and said, “The fire of God fell from the heavens and burned up the sheep and the servants, and I am the only one who has escaped to tell you!”

While he was still speaking, another messenger came and said, “The Chaldeans formed three raiding parties and swept down on your camels and made off with them. They put the servants to the sword, and I am the only one who has escaped to tell you!”

While he was still speaking, yet another messenger came and said, “Your sons and daughters were feasting and drinking wine at the oldest brother’s house, when suddenly a mighty wind swept in from the desert and struck the four corners of the house. It collapsed on them and they are dead, and I am the only one who has escaped to tell you!”

At this, Job got up and tore his robe and shaved his head. Then he fell to the ground in worship and said: “Naked I came from my mother’s womb, and naked I will depart. The Lord gave and the Lord has taken away; may the name of the Lord be praised.”

In all this, Job did not sin by charging God with wrongdoing.”

‭‭Job‬ ‭1‬:‭6‬-‭22‬ ‭

When all hell is breaking loose in your life, and you are certain you are prayed up, studied up and standing up, dressed in the full armor, is it possible that your name came up in a conversation in the heavenly realms?!

Something to consider….

09/08/2023

Humility is often undervalued in the business world. Yet, as a claims manager, it's one of the most potent tools in your toolkit. Paired with four other essential concepts, humility can significantly impact your ability to handle complex and challenging claims. Let's delve into the five pillars of humility and how they can enhance your claims management skills.

Humility is often undervalued in the business world. Yet, as a claims manager, it's one of the most potent tools in your toolkit. Paired with four other essential concepts, humility can significantly impact your ability to handle complex and challenging claims. Let's delve into the five pillars of h

09/07/2023

In the realm of insurance claims, negotiations sometimes hit a stumbling block. When this happens, it's time to prepare a claim file for appraisal. This process can be intricate, but with careful preparation and attention to detail, adjusters can effectively navigate this terrain. Below I will outline some practical steps on how to prepare a comprehensive file for an appraisal when settlement negotiations have failed. Before get to that, though, it is important to understand what appraisal is and what appraisal is not.

Claims negotiations sometimes hit a stumbling block. When this happens, it's time to prepare a claim file for appraisal. This process can be intricate, but with careful preparation and attention to detail, adjusters can effectively navigate this terrain. Below I will outline some practical steps on

09/06/2023

As a senior claims adjuster, one of the most crucial tasks you will face is preparing a successful "Request for Authority to Pay" (RFAP) file. This document serves as a formal request to your supervisor or manager to approve a claim payment that is beyond your authority to pay. The process can be complex, especially for those new to the role. However, by understanding the key elements involved - such as property insurance, policy limits, and coverage analysis - you can increase your chances of a smooth claims process and a positive outcome.

As a senior claims adjuster, one of the most crucial tasks you will face is preparing a successful "Request for Authority to Pay" (RFAP) file. This document serves as a formal request to your supervisor or manager to approve a claim payment that is beyond your authority to pay. The process

09/04/2023

Losing a job can be a jarring experience, leaving you feeling rattled and unsure about the future. In the insurance industry, where layoffs can occur due to downsizing or unforeseen circumstances, it's crucial to know how to bounce back with resilience and confidence. Let’s take a look at some practical advice, inspiring stories, and strategies to help you navigate this challenging period without succumbing to bitterness.

Losing a job can be a jarring experience, leaving you feeling rattled and unsure about the future. In the insurance industry, where layoffs can occur due to downsizing or unforeseen circumstances, it's crucial to know how to bounce back with resilience and confidence. Let’s take a look at some pra...

09/02/2023

In the bustling landscape of today's work environment, maintaining a strong Christian work ethic might seem challenging. However, as followers of Christ, we are called to integrate our faith into every aspect of our lives, including our professional careers. Mark 10:17-31 serves as a pivotal reminder of the importance of prioritizing spiritual wealth over material possessions, and how this principle can be applied in the workplace.

In the bustling landscape of today's work environment, maintaining a strong Christian work ethic might seem challenging. We are called to integrate our faith into every aspect of our lives, including our professional careers. Mark 10:17-31 serves as a pivotal reminder of the importance of prioritizi

09/01/2023

As a seasoned professional who's spent countless hours in airports and hotel rooms, I understand the struggle of maintaining strong family ties while being miles away. The guilt of missing soccer games, the longing to tuck your children into bed, or simply being there for your spouse can weigh heavily on your heart. But over the years, I've learned that physical distance doesn't have to equate to emotional distance. Here are some practical strategies to help you stay connected with your family and support your spouse, even when work takes you away.

As a seasoned professional who's spent countless hours in airports and hotel rooms, I understand the struggle of maintaining strong family ties while being miles away. Over the years, I've learned that physical distance doesn't have to equate to emotional distance. Here are some practical strategies

08/31/2023

Assessing property damage after a natural disaster like a severe storm or flood can be a daunting task. The interplay of high winds and flooding often results in complex damage scenarios that pose unique challenges for property claims adjusters. This article aims to shed light on these challenges and provide some practical tips for navigating this tricky terrain.

Assessing property damage after a natural disaster like a severe storm or flood can be a daunting task. The interplay of high winds and flooding often results in complex damage scenarios that pose unique challenges for property claims adjusters. This article aims to shed light on these challenges an

08/31/2023

Stepping into the world of property claims adjustment can feel like walking into a tempest. In your first year, you'll face an array of challenges from interpreting complex policies to handling emotional homeowners, all while trying to stay afloat in a sea of paperwork. But don't be daunted. With every storm comes the promise of clear skies. This article is a compass to guide you through these turbulent waters. Drawing on my own experiences and lessons learned in the field, I'll provide strategies to navigate the common obstacles and share insights that will transform these challenges into stepping stones towards becoming a seasoned adjuster.

Stepping into the world of property claims adjustment can feel like walking into a tempest. In your first year, you'll face an array of challenges from interpreting complex policies to handling emotional homeowners, all while trying to stay afloat in a sea of paperwork. But don't be daunted. With ev

08/30/2023

Shaping the Future of Insurance: The Transformative Role of Centennials in the Claims Workforce
In the dynamic landscape of the insurance industry, a new generation is redefining conventional work norms. Born into an era of rapid technological change, economic uncertainty, and socio-cultural evolution, Gen Z claims adjusters bring a unique set of values, beliefs, and motivations to their careers. Their approach to work, productivity, and work-life balance is significantly different from previous generations, shaped by their experiences and the world they've grown up in. This generation's mindset towards work-life balance is not just about dividing time equally between work and personal life but finding harmony, fairness, and mental well-being in both areas. They value continuous learning and flexible work arrangements, seeking to align their professional goals with their personal needs and aspirations. Businesses that understand and adapt to these expectations will be better equipped to engage and retain their Gen Z workforce. Let’s delve into the work-life mindset of Gen Z claims adjusters, highlighting best practices for managers to support and motivate this generation, taking into account the variables that impact their attitudes and choices.

In the dynamic landscape of the insurance industry, a new generation is redefining conventional work norms. Born into an era of rapid technological change, economic uncertainty, and socio-cultural evolution, Gen Z adjusters bring a unique set of values, beliefs, and motivations to their careers. The

08/29/2023

Handling Claims: Navigating Insured Representatives Successfully

In the intricate world of insurance claims, effective communication with insured representatives such as attorneys and public adjusters is a cornerstone of successful management. These professionals are central figures in the claims process, advocating for the policyholder and negotiating settlements. However, interactions with them can become challenging due to their expert understanding of policy language and the claims process. Poor communication with these representatives can lead to misunderstandings, delay the settlement process, and even escalate into disputes and litigation. This article aims to provide tips and advice on managing these interactions efficiently and effectively, drawing on lessons learned from years of experience in the field.

They’re NOT All Bad Actors

Understand Their Role:

Firstly, it's crucial to understand the role of insured representatives. They are there to advocate for the insured and will strive to secure the best possible outcome for their client. Recognizing this can help you approach interactions with a clearer perspective and respect for their professional duty. Attorneys and public adjusters play a critical role in the insurance claims process. These professionals are equipped with the knowledge and expertise to interpret policy language, understand the claim process, and negotiate with insurers on behalf of the insured. They are legally authorized to represent the insured's interests, which includes disputing claim denials, negotiating settlements, and even filing lawsuits on the insured’s behalf if necessary.

Benefits of Insured Representation (YES; there are benefits!):

When an insured is represented by an attorney or public adjuster, they can benefit from expert advice and guidance. These professionals can help the insured understand their policy's complexities, including coverage limits, exclusions, and conditions. They can also ensure the insured doesn't inadvertently waive any rights during the claim process. Moreover, having a professional advocate can lead to better settlement outcomes for both parties, as they can effectively negotiate with insurers to fine tune the payout.

Understand and AcknowledgeTheir Claims Expertise:

While not true of every public adjuster or plaintiff’s attorney, the vast majority of these professionals are honest guys and gals, and they by-and-large have a ton of certifications, designations and experience in the insurance claims industry.

THEY’RE NOT DUMB, and most of them are NOT unreasonable!:

Many have been, or are contractors, or have contractors on staff to assist them in preparing their estimates for repair. Expert contacts are a major part of their professional networks, and they should be a major part of your network as well. These practitioners have working relationships with structural engineers, forensic meteorologists, geologists, civil engineers and other industry experts.

Working with these representatives to choose a mutually agreeable expert, should it be necessary to employee such an expert, can save both time and money for all involved. It is very difficult to argue with an opinion of an expert that both parties had a hand in helping to choose. If the expert is agreed to by both parties, neither party can really argue that the expert is invalid or biased. This also helps in keeping the expert unbiased as he or she is not employed by just one party to the claim.

If the two parties can agree on experts at this stage of the game, then you can possibly avoid your appraiser having to agree on an umpire later because you can probably avoid appraisal and/or litigation all together. This also goes to protecting your fiduciary responsibility to your employer. Part of your duty to your employer is protecting their financial interests by not spending money unnecessarily on appraisals and litigation. That is what you should be trying to avoid.

It shouldn’t take a court or appraisal panel to get to a fair settlement value if this is handled properly and with professionalism at this level in the claim. Escalation can be totally avoided with just a little compromise here.

Keys to Successful Claims Management with a Represented Insured

Clear and Concise Communication:

One common mistake in dealing with insured representatives is not being clear and straightforward in your communication. Avoid using jargon and company-specific terms that could complicate the conversation. Instead, aim to express your points clearly and concisely with industry standard terminology. This not only fosters understanding, but it also minimizes the chances of miscommunication. Do not use ten words when five will do.

Be Proactive and Prompt:

Being proactive and prompt in your communication is another essential aspect. Don't wait for the representative to reach out to you; instead, take the initiative to keep them informed about the status of the claim, any issues that arise, and the steps you're taking to resolve them. If you receive an email or voicemail from one of these professionals, be a professional and return it as soon as possible. “I don’t have an answer, but I will get one and get back to you within 24 hours” is a great response if you’re new to the adjuster world, and you need to consult with a senior adjuster or manager on a response or next steps. These professionals are more than willing to accept that answer, but they, like you, do not like not hearing anything for days and weeks.

Be cognizant of your state statutes regarding communication. The best way to give away leverage or set yourself and your company up for a bad faith claim is to fail to meet statutory communication and settlement deadlines. The Devil is in the details when it comes to prompt communication. Make certain that communication is accurate and prompt.

Document Everything:

Given the potential for disputes in the claims process, it's vital to document all interactions with insured representatives. This includes phone calls, emails, and meetings. Having a record of all communications can provide valuable evidence if a disagreement arises about what was said or agreed upon. Record all phone communications, if possible, and copy them to the claim file, copy all emails to the claim file and make sure all letters and mailings are also copied to the claim file, including any signature receipts from registered letters and mailings. If it’s not in the claim file it didn’t happen. Make sure that you follow up every phone conversation with an email outlining and confirming what was communicated during the phone call. In the event that you are in the field and cannot record calls on your cell phone, this email follow-up is critical.

Stay Professional:

Lastly, always maintain professionalism in your interactions. Even if discussions become heated or contentious, it's important to stay calm and composed. Remember, IT’S NOT PERSONAL - everyone involved is simply doing their job to the best of their ability. You are usually dealing with huge losses when insured representatives are involved. The insured’s emotions are high, and those emotions can rub off on their representatives. Do not make any comment regarding the representative's attitude, professional demeanor, etc. Stay in your conversation; do NOT get drug into theirs if they take an unprofessional tone. Redirect the conversation back to the matter at hand.

Remember that it is not what you say most of the time, it’s how you say it. A little humor and a lot of humility go a very long way with people.

“Hey Bob, we are denying this claim” will get a totally different response than, “Hey Bob, I have reviewed this claim, and I am not finding coverage anywhere in the policy. Can you give me your take on coverage so I can be sure I am not missing something.”

“Hey Bob, that’s just stupid” will get a totally different response than, “Hey Bob, I am having difficulty following your train of thought, can you break it down for me a little bit?”

“Hey Bob, get your head out of the clouds” will get a totally different response than, “Hey Bob, I’ve gone over these damages several times trying to sort out where these numbers were derived from. Can you give me a call, and we can go over them together; so, I can get an idea of how you arrived at your final estimate numbers?”

“Hey Insured, your representative never submitted their docs” will get a totally different response than, “Hey Insured, I don’t see where I’ve received anything from your representative, Bob. Let me give Bob a call and make sure I didn’t miss them or overlook them somewhere. I just want to make sure I have all of the information before I can nail down next steps.”

Final Thoughts:

While being professional and working with insured representation can yield better outcomes for policyholders and carriers, it can also introduce additional challenges for staff and independent adjusters. Thus, adjusters need to navigate these situations carefully, ensuring they adhere to all legal requirements while also protecting the carrier’s interests and the insured's interests. It's a delicate balancing act, but with the right approach, adjusters can successfully manage these complex claims. Effective communication with insured representatives is a blend of understanding, clarity, proactivity, documentation, and professionalism. By mastering these aspects, you can navigate the complexities of the claims process more smoothly, minimize disputes, and foster better relationships with these key stakeholders.

Remember the 3 P's: Prompt, Per the Policy, Professional!

Bill Simmons, AIC, CPI, CCI, CASA is the owner of L2 Insurance Consulting LLC, and he is an industry recognized expert relating to insurance claims and claim related damage. Bill has worked in every aspect of insurance claims from automobile liability and subrogation to property claim specialist, and he has worked both aspects of insurance claims, for carriers as a staff adjuster and as an independent adjuster. Bill also serves as an expert witness in the insurance claim legal process. Bill lives in Panama City, FL with his wife, Amanda and their two sons, Layton and Lucas.

08/28/2023

I know y’all all following Hurricane Idalia like I am, but let’s not forget the most important things in life:

08/28/2023

Road Warrior Romance: A Christian Claims Adjuster's Guide to Safeguarding Your Marriage

The life of a traveling claims adjuster is filled with unique challenges and rewards, from navigating new cities to helping people rebuild their lives after a disaster. However, one often overlooked challenge is maintaining the health and vitality of your marriage while on the road. With time zones, miles, and sometimes even continents separating you from your spouse, it's easy to allow the physical distance to create an emotional one. That's why it's crucial to make a concerted effort to safeguard your marriage, ensuring that it remains strong and vibrant even when you're far from home. This article will delve into Christian strategies and tips that can help traveling claims adjusters protect their most precious relationship amidst their demanding job.

The Challenges

Being married while frequently traveling for work brings its own unique challenges. One of the most significant of those is maintaining a strong sense of connection with your spouse. When you're miles away from home, it becomes challenging to keep the lines of communication open and ensure that both you and your spouse are on the same page emotionally. Technology has made it easier with video calls and instant messaging, but it's not the same as being physically present.

Another challenge is the strain it can put on your role as a husband in a Christian marriage. As a Christian man, you are called to be a spiritual leader in your home, guiding and supporting your spouse in faith. Being away often can make this difficult. You may miss important occasions like church services, bible studies, or prayer meetings which you typically attend together. This could potentially lead to feelings of spiritual disconnect.

The physical absence also means you're not there to share in the day-to-day responsibilities of running a household or raising children, if you have them. Your spouse is left to shoulder these burdens alone, which can lead to feelings of resentment or overwhelm. It's critical to find ways to support your spouse from afar, whether that's arranging for help around the house or taking time to listen and provide emotional support over the phone.

Balancing work commitments with marital obligations is another hurdle. The demanding nature of work travel can sometimes lead to priorities becoming skewed. As a Christian man, you're called to place your marriage above other earthly commitments. Ensuring you're not neglecting your marital duties for work is vital, but it can be a delicate balancing act when you're on the road.

Lastly, there's the issue of temptation. Traveling often means being alone in new and different environments. As a married Christian man, upholding your marital vows and maintaining your integrity can be challenging, especially when you're far from your usual support systems. It's crucial to stay rooted in your faith and keep accountable partners who can help you navigate these challenges.

The Daily Habits

Maintaining a marriage while frequently traveling for work requires intentionality and commitment. One of the most crucial habits to cultivate is regular communication with your spouse. This goes beyond just checking in or discussing logistical matters. Make it a point to engage in meaningful conversations every day, sharing your experiences, feelings, and thoughts. This will help both of you feel connected despite the physical distance.

Secondly, make prayer a daily practice. As a Christian man, your faith plays a significant role in your marriage. Praying for your spouse daily not only intercedes for them but also keeps you spiritually connected. You can also make it a habit to pray together over the phone or via video call. This shared spiritual activity can strengthen your bond and provide comfort and support.

Thirdly, find ways to be involved in your spouse's daily life, even from afar. Show interest in their activities, concerns, and victories. For instance, if your spouse has an important meeting or event, mark it in your calendar and check in with them before and after. This shows your spouse that you care and are invested in their life, even when you're not physically present.

Fourthly, make time for virtual dates. Just because you're traveling doesn't mean you can't have quality time together. Plan regular video call dates where you can watch a movie, have dinner, or simply chat. This creates shared experiences, which are vital for maintaining intimacy and connection in your relationship.

Finally, uphold your marital vows and demonstrate your commitment daily. This could involve small gestures like sending thoughtful messages or gifts, or larger ones like making decisions that prioritize your marriage over work when necessary. As a Christian man, living out your commitment to your spouse daily not only strengthens your marriage but also aligns with your faith values.

Final Thoughts:

Being married and constantly on the road for work is a test of faith, commitment, and resilience. But with open communication, mutual understanding, and a strong foundation in Christ, it's a challenge that can be overcome. Maintaining a marriage while on the road involves daily habits of communication, prayer, involvement, quality time, and demonstrated commitment. It's a challenging endeavor, but with intentional effort, it's certainly possible to keep your marriage strong and thriving.

Bill Simmons, AIC, CPI, CCI, CASA is the owner of L2 Insurance Consulting LLC, and he is an industry recognized expert relating to insurance claims and claim related damage. Bill has worked in every aspect of insurance claims from automobile liability and subrogation to property claim specialist, and he has worked both aspects of insurance claims, for carriers as a staff adjuster and as an independent adjuster. Bill also serves as an expert witness in the insurance claim legal process. Bill lives in Panama City, FL with his wife, Amanda and their two sons, Layton and Lucas.