Compact Book of Adjusting Property Insurance Claims – Second Edition
A Manual for the First Party Property Insurance Adjuster
The insurance adjuster is not mentioned in an insurance policy. The obligation to investigate and prove liability for damages rests with the insured. First-party standard property insurance, based on New York Standard Fire Insurance, contains terms and conditions that require the insured, within sixty days of the loss, to submit hard evidence of loss to prove the insurer facts and amounts for the loss.
The insurance allows the insurer to then, and only then, respond to the insured's proof of loss. The insurer can then either accept or reject the insured's proof.
Technically, if the wording of the policy literally followed the insurer could sit back, do nothing and wait for the proof. If the insured delays the proof, the insurer can reject the claim. If the insured submits proof of loss in time, the insurer can either accept or reject the proof of loss. If the insurer rejected the proof of loss, the insured can either send a new one or give up and get nothing from the damage. The suit for the insurance would be difficult because the insurance contract limited the right to sue at times when the proof of loss conditions had been met.
Insured persons and insurers were not satisfied with that system. This made it too difficult for a layman to successfully present a claim. The system, as written in the standard fire policy, seemed to run counter to the union of good faith and fair trade that had been the basis of the insurance contract for centuries. Most insurers understood that their insured were mostly unable to comply with strict application of the insurance terms. In order to fulfill the union with good faith and fair insurance companies, the insurance adjuster created to fulfill its obligation to act fairly and in good faith with the insured.
The second edition adds new material from 2018 and 2019, is easier to use and more compact than the original.
Available as a Kindle book.
Available as paperback.
The Compact Book on Adjusting Liability Claims, Second Edition
A Handbook for the Adjustment Liability Claims
This compact Book of Adjusting Liability Claims is designed to provides the new adjuster with basic support in what is needed to become a competent and effective insurance adjuster. It is also available as a refresher for the experienced adjuster.
Liability for claims quickly learns that there are no difficulties with a plaintiff (the person claiming bodily injury or property damage to an insured person) if the damages are paid according to the claim. . The insured may be unhappy if the claim is paid as it is presented because most people do not think they did anything wrong or fear an increase in the premiums for subsequent insurance.
The adjuster must be prepared to anoint the insured's feelings, explain why in law and policy it was appropriate to pay the plaintiff and that the settlement is in the best interests of both the insured and the insurer represented by the adjuster.
The adjuster knows and must be prepared to explain to an insured that if a claim is denied or denied, the applicant will be unhappy, will probably bring an action. Unless decided immediately, the plaintiff's attorneys will rake the insured over the coal to prove that the insured is responsible for the damage. The disputes will take time, effort and money to determine the extent of the damage and who is responsible for the damage. Failure to settle immediately can cost the insured his or her reputation and will certainly cost the insurer much more than what the damage could have been settled for if it had been resolved before the plaintiff retained a lawyer.
Available as a Kindle book
Available as a paperback book.
© 2020 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to working as an insurance consultant specializing in insurance coverage, insurance management, insurance sentiment and insurance fraud almost equal to insurance policyholders. He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance industry. He is available at http://www.zalma.com and firstname.lastname@example.org.
Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.
For the past 52 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims staff to become insurance claims staff.
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