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Category: Claims

hail spatter

Does Spatter Matter? The Debate Over Hail Verification and Aluminum Siding

October 7, 2025 No Comments

When hail hits, everyone starts looking for proof — and “hail spatter” often becomes the focus of debate. Does the presence or absence of spatter really determine whether damage is recent or covered? This article explores both sides of the argument, from the contractor’s field perspective to the attorney’s view of the carrier’s duty to investigate. Ultimately, while spatter can help tell the story of a storm, it’s only one clue in a much larger picture.

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Intellect vs. Experience in Public Adjusting: What Truly Drives Excellence?

October 3, 2025 No Comments

Credentialing and continuing education provide public adjusters with up-to-date knowledge of policy interpretation, estimating standards, and regulatory compliance, enhancing their professionalism and credibility. However, real-world field experience offers irreplaceable insights into property damage, repair sequencing, and client communication. Rather than competing, these skill sets should complement each other. A balanced approach—where public adjusters pursue both formal training and hands-on work—leads to the most effective, productive, and accountable claims professionals.

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Mileage odometer

Trip Charges for Property Inspections: Are They Appropriate in Insurance Claims?

September 17, 2025 No Comments

Trip charges are a legitimate and often necessary part of managing insurance property inspections—especially when travel exceeds a standard radius, such as 30 miles roundtrip. These charges help compensate for the time, fuel, and operational costs involved in site visits. Best practices include disclosing trip charges up front, using standard mileage rates or flat fees, and including them clearly in service agreements or invoices. While not always reimbursed by insurance carriers, travel-related costs can often be submitted as claim-related expenses when tied to inspection or documentation efforts. Setting expectations early protects professionals and supports smoother claim resolution.

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Commercial Property Inspection

How Matching Law Is Shaping the Future of Insurance Appraisals

September 15, 2025 No Comments

Contractors frequently refer clients to appraisal in hopes of resolving stalled insurance claims—but confusion still reigns over what the appraisal process can (and can’t) do. With new case law like Cinnamon Ridge v. State Farm reshaping expectations, it’s more important than ever for professionals to understand the evolving rules, risks, and responsibilities when negotiating claim values or recommending next steps. This article explores what appraisers need to know—and how to guide clients with clarity.

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Zero Trust

No Heads-Up, No Thanks: Why Referral Partners Deserve Better

September 12, 2025 No Comments

Public adjusters and attorneys often collaborate closely on insurance property damage claims, creating valuable referral partnerships. But when a law firm resolves a case without notifying the referring adjuster—or disburses funds without honoring the PA contract—it risks more than just professional trust. This article explores why clear communication and proper settlement coordination are essential to protecting both the client and the professionals supporting them.

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Woman reviewing invoice documents

Can Public Adjusters Be Paid From Bad Faith Damages?

September 10, 2025 No Comments

When a policyholder’s insurance claim turns into a legal battle, it may result in damages far beyond the original policy limits—especially in cases of bad faith. But can a public adjuster be paid from those extra-contractual awards? The short answer: no. Public adjusters must operate strictly within the bounds of their licensure, and billing for any portion of legal settlements or court-awarded damages could cross ethical and legal lines. This article explores where the boundary lies—and how to stay on the right side of it.

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The Insurance Check Whac-A-Mole

January 3, 2022 No Comments

They’d been paying premiums every month for insurance and the adjuster just tried to make them responsible for paying everything upfront.  That’s worse than kicking

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Satellite office in KY

Green Public

Insurance Adjusting

Is now in Kentucky serving clients affected by the tornados. Stop by our satellite location at 3205 US Highway 641 N in Benton, KY. We’re just down the road from the Kentucky Opry.