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Episode 100 lands with a twist: we’re finally recording together in person for the first time. After years of remote calls, we sit down with cake, swag, and a live “peanut gallery” to tell the origin story of how The Art of Adjusting Podcast grew from random conversations into a claims adjusting show that now reaches thousands of listeners.

We talk about how we actually met, starting with LinkedIn and a shared love of old-school noir, then moving to Clubhouse during COVID when live audio rooms felt like talk radio for insurance people. That experiment turns into the Daily Claims podcast, and when solo recording gets tough, we team up, split the work, and build something more sustainable. Along the way we share our real career paths into insurance claims, from corporate training with big insurance companies to construction-to-adjusting, plus what expert witness work is really like and why depositions can be maddening.

Then we get practical about the future of the insurance industry: AI in claims, automation, and the hidden training problem no one wants to admit. If AI handles the easy claims, where do new adjusters learn the craft before they’re handed complex files? We also come back to the most human skill in the job, whether you handle property, auto, workers’ comp, or liability claims: trust. Sometimes the best thing you can say is, “I don’t know, but I’ll find out and call you by 4,” and then you actually do it.

Subscribe, share this with an adjuster friend, and leave a five-star review so more people can find the show. What’s one change you want to see in claims over the next five years?

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Multi-line adjuster, generalist, all-lines, specialist, mono-line, GA, TPA, IA, carrier claims. We hear these labels all the time, but they don’t mean much until you map them to real work, real stress, and real career options.

Bill Auten and Chantal Roberts dig into whether multi-line adjusters are “still a thing” and why the answer depends on where you work. Big carriers often push specialization because training thousands of people across multiple lines is expensive and hard to control. Smaller carriers, mutual insurers, and independent adjusting firms still need people who can jump from property losses to liability investigations when volume spikes. We also clarify the terminology around “general adjuster” licensing and why job titles in claims can be misleading.

We get into the modern reality of claims technology and AI. AI can help you move faster, but it can also create serious privacy and compliance problems if protected personal information ends up in the wrong tool, and it never replaces licensed judgment. Then we talk about the human side: why both property and liability claims can be emotionally brutal, how switching claim types can sometimes help you reset, and how company culture can either give you autonomy or micromanage you into burnout.

You’ll also hear our knee-jerk “worst claim type” picks, a quick diminished value auto detour, and practical advice for new adjusters deciding between starting at a carrier, going independent, or finding a hybrid path through a third-party administrator. If you want a claims career that fits your personality and keeps your options open, this one is for you. Subscribe, share with an adjuster friend, and leave a five-star review if you want more real talk like this.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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People hear “recorded statement” and assume it’s a trap. We don’t see it that way, and if you work in claims adjusting, you shouldn’t either. Bill Auten (Auten Claims Management) and Chantal Roberts (CMR Consulting) lay out what a recorded statement is really for: a clear, professional record of what happened that helps you investigate the claim, preserve evidence, and make the right call on liability, coverage, and damages.

We get practical about preparation before you ever hit record: knowing your claim file, planning your roadmap without clinging to a script, and using photos or simple exhibits to lock in details. We also talk through how to set expectations with insureds, claimants, and witnesses so they understand why you’re recording, what “name, rank, and serial number” questions are for, and why “I don’t know” is a perfectly acceptable answer. You’ll hear tactics for managing real-world problems like background spouses chiming in, distractions, and the awkward pauses that happen when you’re typing notes live.

We also cover what changes when an attorney is present, how to keep the tone calm and factual, and what to do when someone refuses to provide key information. Along the way, we reinforce the core skills that keep statements clean: open-ended questions, timeline prompts like “what happened next,” avoiding leading questions, and staying unbiased even when people assume adjusters are trained to deny. We finish with one of the most useful close-out questions you can ask and how to set next steps so everyone knows what comes next in the claims process.

Subscribe for more real-world insurance adjuster training, share this with an adjuster friend, and leave a review if it helps you run better recorded statements.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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A “quick” injury claim can turn into a compliance puzzle the moment Medicare or Medicaid enters the picture and if you miss it, the consequences can be expensive. We get practical about CMS, Medicare Secondary Payer rules, and what adjusters actually need to do on day one so a settlement does not blow up later.

We walk through the Big Five identifiers we ask claimants for, why people understandably get suspicious, and how to explain the request without sounding like a scammer or hiding behind acronyms. Then we translate the jargon: Section 111 reporting, conditional payments, Medicare liens, Medicaid liens, and what “Responsible Reporting Entity” really means when carriers use vendors and automated reporting behind the scenes.

From there, we talk settlement reality. Why you may need to wait for a conditional payment letter and a final demand, how the $750 small settlement provision fits in, and why these steps feel like a delay tactic to the average person even when you are trying to close fast. We also cover risk controls like paying first and disputing later, using hold harmless and indemnification language when attorneys push back, and protecting PII so your file stays clean.

If you work property, auto, GL, workers’ comp, or liability claims, this is the kind of “unseen” process that can make or break a smooth close. Subscribe, share with an adjuster friend, and leave a review with the toughest Medicare lien question you have right now.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Bad faith doesn’t usually arrive as one dramatic blow-up. It shows up as a slow drip of little things: the voicemail that never gets returned, the approval that sits in someone’s queue, the vague diary note that makes sense only to the person who wrote it, and the template letter that accidentally says more than it should.

We talk through the practical warning signs we see when a claim is headed toward escalation, complaint, or litigation. We dig into how understaffed claims departments force adjusters into triage, why vacation schedules and internal handoffs create gaps, and how stacked authority levels can turn a reasonable settlement into a trust-breaking delay. We also share communication habits that de-escalate fast: acknowledging frustration, picking up the phone, setting a realistic follow-up date, and explaining the “why” behind the timeline without overpromising.

Then we get tactical about defendable claim handling. We explain what strong claim notes look like (so another adjuster could take over tomorrow), why “sent letter and cut check” is a dangerous level of detail, and how automation and AI can help with organizing but cannot replace human judgment or protect you from privacy risks. We close with a common landmine: form letters and 30-day status templates that include inapplicable language, creating ammunition for a bad faith narrative.

Subscribe, share the show with another adjuster, and leave a review so more claims pros can find it.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Memorial Day weekend has a way of turning “just one quick favor” into a full-blown claim file. We start with a simple scenario: you borrow a friend’s car to grab ice and something goes wrong. From there, we unpack permissive use, when auto insurance follows the car versus the person, and why household access to keys can quietly expand who counts as an insured under the policy definition.

Then we shift into uninsured motorist and underinsured motorist coverage, where your own carrier can end up acting like the at-fault carrier. That odd setup creates real claim-handling tension, and we talk through how adjusters can avoid treating their own insured like an opponent. We also cover the practical math of UIM limits, why state minimums can disappear fast after a serious injury, and how made whole rules and deductibles should shape subrogation expectations.

Finally, we hit the holiday exposures we see every year: delivery driving side hustles that trigger business-use exclusions on personal auto policies, Airbnb and Vrbo “other insurance” conflicts, fundraiser and lemonade stand liability questions under homeowners business pursuit language, and the messy world of boats, jet skis, ATVs, and alcohol. We bring it back to adjuster fundamentals: ask precise questions, verify use and ownership, confirm motor size and policy thresholds, and document the timeline.

If this helped you think differently about coverage traps, subscribe, share the show with an adjuster friend, and leave a review so more people can find it. What’s the most surprising coverage dispute you’ve seen from a holiday weekend?

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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A lawn mower throws a rock through a car window. A kid hops a fence to grab a baseball near a backyard pool. A trampoline turns one “fun afternoon” into a catastrophic injury demand. Summer liability claims love to masquerade as simple, and that’s exactly when adjusters get burned by policy language.

We dig into the fundamentals we rely on when analyzing homeowners liability and similar third-party claims: who qualifies as an insured, what “resident relative” really means, and how a live-in partner or a college-aged child can create instant coverage issues. Then we get practical with the definitions that decide outcomes, including bodily injury vs property damage, how to think about value and diminished value, and why “occurrence” is more specific than everyday speech. From there, we follow the real workflow: read the full policy, check the edition date, find the motor vehicle exclusions, and watch for exceptions and endorsements that give coverage back under tight conditions.

The backyard hazards are where it gets real. We unpack lawn mower liability and the “service the residence premises” trap, pool claims and attractive nuisance duties, wet-surface slip and falls, trampoline exclusions, and fire pits where intent vs harm can decide coverage. We also cover the money topics that can make or break a file: umbrella policy notice, keeping excess carriers in the loop, MedPay as a control tool, and how Medicare and Medicaid liens can block “quick payments” if you do not handle reporting correctly. We close with dog bite claim trends, including New York’s Flanders v Goodfellow shift and what it means for negligence arguments.

Subscribe to Art of Adjusting, share this with an adjuster who handles liability, and leave a review so more claims pros can find it. What summer claim has given you the biggest coverage surprise?

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Spring doesn’t just bring warmer weather, it brings a whole new wave of claims problems: roofers canvassing neighborhoods, frozen-pipe losses getting repaired, and construction crews breaking ground. We sit down and get specific about what adjusters and policyholders need to watch for when repairs start, because the repair work itself can create brand-new damage. When that happens, you may be looking at two separate dates of loss, a first-party property claim, and a third-party liability claim against the contractor, all at the same time.

We also dig into why “just file it with the contractor” is risky advice. We talk about the duty to open and investigate a claim once the carrier has notice, how subrogation should work in the real world, and why made whole rules can change who gets paid first when limits are tight. Then we tackle valuation and communication: actual cash value vs replacement cost, why market value is not rebuild cost, and how holdback depreciation and the 180-day notice of intent can trigger avoidable disputes if we don’t explain it clearly and follow up in writing.

From certificates of insurance and additional insured wording to workers’ comp verification and contractor liability exposures like New York Labor Law 240, we map out practical steps to reduce chaos during building season. If you handle property claims, liability claims, construction-related losses, or subrogation recovery, this conversation is built for you. Subscribe, share this with an adjuster friend, and leave a review so more claims pros can find it.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Spring storms don’t just damage property, they scramble the story of what happened. One day it’s hail. The next it’s wind-driven rain. Then a ceiling stain shows up weeks later and everyone argues whether it’s a new loss, wear and tear, or “damage creep.” We walk through how we actually sort these files out in the field, especially when the insured sees one big problem but the evidence points to multiple incidents, multiple deductibles, and a timeline that has to be proven with photos and attic inspection.

We dig into the roof-claim pressure points adjusters face right now: wear and tear vs direct physical loss, repairability, granule loss myths, and why cosmetic damage endorsements are becoming more common. We also talk matching statutes, discontinued materials, ITEL reports, and the real-world detail people miss: even if matching product exists somewhere, freight and sourcing can change the math and the fairness. Along the way, we share what we’re seeing in expert witness work, including how poor documentation and unclear communication can turn a normal property claim into a complaint or lawsuit.

Then we get into policy mechanics that spike confusion during hurricane season and heavy rain events: concurrent causation, anti-concurrent causation states, and the practical need for wind and flood adjusters to coordinate so the insured isn’t left in the middle with an uninsured gap. We close with a simple adjuster framework: establish cause of loss early, verify functionality, document every step, and explain estimates so the insured understands why a contractor scope can be higher than a covered scope.

If you found this useful, subscribe, share it with another adjuster, and leave a review so more claims folks can find the show.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Frozen pipe losses are one of those claims that look simple on the surface, right up until the policy language and the facts start fighting each other. Today we walk through the biggest freeze-claim mistake we see: treating a burst-from-freezing pipe like a routine accidental discharge loss and automatically excluding the pipe repair, even when freezing is the covered cause of loss. If you adjust homeowners insurance (HO3) or commercial property claims, this is the kind of detail that changes the whole outcome.

We also get practical about the condition that trips up coverage decisions: making a reasonable effort to maintain heat. What counts as “reasonable” when one bathroom runs colder than the rest of the house, when a basement door is left open, or when fuel deliveries and utility payments get messy? We talk through the kinds of documentation that actually help, like gas and electric bills, propane delivery history, statements that lock in a timeline, and even modern temperature monitoring and water sensors that create a real record.

Then we shift into the ugly side of winter losses: extreme freeze events where everything is iced over and you cannot scope the full damage until the building thaws. We share how we set expectations with insureds and contractors, why supplements are normal, and how this mindset applies to other winter problems like ice dam claims. We also touch tenant-caused freeze losses, subrogation, and why liability coverage can get complicated fast.

If you want sharper coverage analysis and smoother claim handling before spring storms hit, listen through, then subscribe, share with an adjuster friend, and leave a review so more people in claims can find the show.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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A slip on ice can look like a small accident until you see what it turns into on a claim file: multiple defendants, competing contracts, fading memories, and a fight over what the weather actually did at one exact address. We get into why snow removal contractors are often treated like the default villain, and how a solid liability analysis starts with the boring stuff that saves you later: reading the policy, reading the snow contract, and tracking who promised what to whom.

We talk through common contract trigger language like two-inch thresholds, salting only on request, visit limits, and why “babysit the property 24/7” is rarely realistic. From there we shift into what wins cases: plow and salt logs, truck camera footage, photos of drainage and refreeze hazards, and witness work that still matters even years after the loss. We also cover how big injuries change the stakes, including traumatic brain injury, and why documenting real constraints like salt shortages can matter when reasonableness is questioned.

If you handle New York claims, we break down the Espinal framework and the three exceptions that can create contractor duty, plus how indemnity clauses and additional insured endorsements can reshape tenders and defense. We also dig into weather records, NOAA, the challenges of getting certified data, and when it’s time to bring in a forensic meteorologist to interpret conditions at the loss location.

Subscribe for more practical adjusting talk, share this with an adjuster who handles slip and fall files, and leave a review if it helps your work. What document do you request first when a winter liability claim hits your desk?

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Ever felt your file work turn into a courtroom minefield? We sit down with a clinical neuropsychologist who coaches witnesses to break down why depositions are adversarial even when they sound friendly, and how adjusters can protect credibility without oversharing. From honey and vinegar to the Columbo “play dumb” tactic, we map the playbook plaintiffs use to trigger fight-or-flight—and the tools you need to stay calm, concise, and consistent.

We draw a sharp line between fact witnesses and corporate representatives, explaining why mixing roles creates contradictions that haunt future cases. You’ll learn when to split depositions into two sessions, how to “stay in your lane,” and why “I don’t know” or “I don’t recall” can be the most reasonable answers when used with discipline. We also cover the five-second answer rule and bullet-point responses that tell the truth without gifting extra ammunition.

Documentation matters. We explore balanced claim notes that are clear, timely, and reconstructable years later, with practical guidance on templates, quarterly spot checks, and preventing drift under workload pressure. On the psychology side, we show how systematic desensitization—rehearsed exposure to tough questioning—rewires your brain to resist defensiveness and guessing. Plus, you’ll get neurocognitive tips for sequencing information, setting expectations with policyholders, and reducing reactivity.

If you handle property, auto, liability, or workers’ comp claims and want to show up strong in the chair, this conversation is your roadmap. Subscribe, share with your team, and leave a review to help more adjusters find practical, courtroom-tested strategies. Got a deposition tip or horror story? Drop it in a review and keep the conversation going.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Winter brings more than snow and high heating bills. It brings puffback claims, chimney fires, frozen pipes, temporary heating setups, and a steady stream of liability questions.

In this episode, William and Chantal break down common winter-related losses and what adjusters should be looking for from day one. They discuss oil furnace puffbacks, improper fireplace and wood stove installations, frozen pipe damage, and the risks tied to space heaters and overloaded power strips. The conversation moves beyond surface-level handling and into the investigative mindset required to properly document cause, identify potential subrogation targets, and preserve evidence before it disappears.

They also address rental property exposures, landlord duties, carbon monoxide and smoke detector issues, and the importance of asking direct, sometimes uncomfortable questions when investigating fires. The episode reinforces a key principle: determining cause is not optional. It is the foundation for coverage analysis, liability assessment, and protecting the carrier’s position.

If you handle property claims, liability claims, or both, this discussion offers practical reminders and real-world examples that sharpen investigative discipline during the most loss-prone season of the year.

The podcast returns February 26 with a focused discussion on contractors and snow removal liability.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Storm clouds don’t just darken the sky, they raise the duty of care. We dig into how snow, ice, fog, and heavy rain change what “reasonable” looks like behind the wheel and at the claim desk. From multi-car pileups to slow-speed parking lot crashes, we break down how to evaluate negligence when the surface and sight lines won’t play fair, why “I was going the speed limit” can still be careless, and how to separate traffic citations from true liability.

We trade real-world scenarios that every adjuster recognizes: black ice that looks like a harmless wet patch, diesel spills that turn intersections into turntables, and the moment a vehicle leaves the road and plows into a storefront or home. You’ll learn when property owners should use their own policies and subrogate, how ACV versus RCV plays out in third-party claims, and why clear early communication about pollution exclusions and sublimits matters when cleanup crews start excavating. We also cover parking lot exposures, pedestrian duties, and the impact of salt shortages on the reasonableness of maintenance efforts during active storms.

To help you work cleaner, faster, and fairer files, we share a five-point winter claims checklist: certified hourly weather data, visibility and lighting details, road maintenance timing and logs, vehicle damage pattern analysis, and statement consistency with physics. The takeaways are simple and powerful, conditions matter more than posted limits, tickets inform but don’t decide, and winter raises the duty to anticipate. Subscribe for more practical tools and share this episode with a colleague who could use a sharper winter playbook. What’s your toughest cold-weather claim challenge?

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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A slick floor, a hard fall, and suddenly everyone asks the same question: who pays? We open the claims toolbox and walk through slip and fall cases step by step, showing how quick evidence work, clear liability analysis, and smart communication shape the outcome. From icy sidewalks to grocery spills, we explain the differences that matter and the proof that sticks.

First, we dig into scene preservation and notice. You’ll hear why photos and security video are gold, how floor-walk logs can narrow exposure, and when a “storm in progress” protects property owners. We put the ABCD test—duty, breach, causation, damages—at the center, then layer in comparative fault, footwear choices, and the reality that invitees share responsibility to keep a lookout. A buffet ice cream case illustrates how seconds of video can flip a claim from alleged negligence to med-pay only.

Next, we map contribution and contracts. Snow removal agreements decide who shares blame, so we break down “we handle everything” promises versus narrow scopes, and why early outreach to other carriers saves everyone time. We also show how to keep your insured looped in with offers, demands, and potential excess exposure to guard against bad faith narratives.

Finally, we tackle the part that derails many settlements: Medicare, Medicaid, and ERISA. Learn why CMS reporting is mandatory, what conditional payments mean, and how to explain tentative versus final amounts without losing trust. We close with valuation strategy, practical negotiation moves, and the litigation arc—from summons to discovery, mediation, and full and final releases, including consortium and minor approvals.

If you want clearer claims, faster resolutions, and fewer surprises, this deep dive will sharpen your process and your judgment. Subscribe, share with a colleague, and leave a review to help others find the show. What’s your toughest slip and fall challenge right now?

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Want a practical blueprint to avoid bad faith and close cleaner files? We dig into the real-world habits that separate defensible claims work from patterns that draw regulator heat and lawsuits. Starting with a crisp definition—negligence is a mistake; bad faith is a repeated choice—we map how state rules, NAIC Model Acts, and administrative codes shape your everyday decisions on property, auto, liability, and workers’ compensation files.

We share the seven claims handling standards that keep you on track: prompt preliminary handling, documented procedures and training, tailored investigations, plain-English communication, visible momentum, rigorous analysis, and clear decisions. You’ll hear why Model Act 902 matters for property and casualty, how anti‑steering rules interact with preferred vendors and OEM parts, and where agents and underwriters can trip administrative rules that later fuel bad faith allegations. We compare states that adopt NAIC models with outliers like Oklahoma, where statute and DOI codes demand files be detailed enough to reconstruct events and reasoning—not just pasted emails, but the policy citations and logic behind each move.

Expect hard-nosed guidance on management oversight that actually shows up in the file, not retroactive notes. We talk through coverage-versus-liability conversations in simple terms, when to pick up the phone before you send a formal letter, and how to use AI cautiously for routine updates without outsourcing judgment. When a scope dispute pops up—say, painting versus hand staining—we show how to tie decisions to policy language and reasonableness, and when to bring in subject matter experts early to avoid guessing. The bottom line: you have the right to be wrong, but only if your documentation proves you acted honestly, timely, and based on sound information.

If you’re an adjuster, manager, agent, or claims leader, this is a clear, usable playbook for unfair claims settlement practices, anti‑steering compliance, documentation standards, and training culture that stands up in court. Subscribe, share with your team, and leave a review with the one habit you’ll change in your next file.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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Holiday cheer meets claim chaos, and we’re here to make sense of it. From overloaded outlets and dry Christmas trees to frozen pipes and black ice, we walk through the winter risks that drive property, auto, and liability claims—and how smart adjusting turns messy losses into clean resolutions. We share practical tools adjusters can use right now: when to call a cause-and-origin expert, how to preserve cords, sockets, and devices for subrogation, and what chain-of-custody documentation should look like to avoid spoliation fights.

The conversation digs into policy nuance around freeze losses and ensuing water damage, plus the real-world factors that determine negligence: missed fuel deliveries, drafty penetrations on windward walls, and “reasonable time” standards for clearing snow and ice. We also talk friendly fire versus hostile fire, linear burn patterns that suggest accelerants, and why early manufacturer notification can make or break a recovery. If you work with renters, you’ll get talking points for contents coverage and loss-of-use, and if you manage a team, we offer ways to bridge training gaps without overwhelming new adjusters.

We don’t skip the human side either: holiday burnout is real, and clear choices—simpler gatherings, fewer decorations, better checklists—help keep stress down and claims up to standard. Whether you’re in property, auto, liability, or workers’ comp, this seasonal playbook will sharpen your field questions, improve your evidence handling, and guide insureds and third parties toward the path that serves them best. Subscribe, share with a colleague, and leave a review to help more adjusters find the show—then tell us your toughest winter claim and what you’d do differently next time.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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We rethink “rules of the road” from an adjuster’s view, showing why left-hand turns aren’t always at fault, how point of impact changes everything, and when last clear chance controls the outcome. Practical field tips help you collect better evidence, weigh foreseeability, and assign fair liability.

• left-hand turns, control of the intersection, point of impact
• duty to yield, duty of reasonable care, last clear chance
• comparative negligence across merges, passes, and hills
• weather and visibility shaping foreseeability and speed choice
• truck wide-right turns and squeeze hazards
• evidence gathering using cameras, debris, skid marks, telematics
• emergency vehicles, yielding protocols, municipal immunities
• four-way stop logic and practical right-of-way choices
• why tickets don’t decide liability and how to argue fault
• calls for listener topics, guests, and feedback on platform of choice

Please like, follow, subscribe, share, and comment so the algorithm picks us up and we can grow. If you listen on Spotify, drop your comments on LinkedIn. For independent adjusting services, visit www.autin.claims and use the contact us tab to join our roster. Give us five stars and a review.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
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🎧 Spotify Episode Description

Episode 82: Giving Thanks — Bill’s Back!

This Thanksgiving episode is all about gratitude. Bill returns to the podcast, and we share what we’re thankful for — from the people who make our work meaningful to the everyday wins that keep us going in the P&C claims world.

Whether you're driving to a loss site, reviewing files, or heading home for the holiday, take a moment with us to reflect on the good stuff.

💛 What are you grateful for this year?
Share your thoughts with us on LinkedIn or Spotify’s Q&A — we’d love to hear from you.

Follow, rate, and tap the bell so you never miss an episode.

TheArtOfAdjusting #ClaimsAdjuster #InsurancePodcast #Thanksgiving #InsuranceProfessionals #DailyClaims #AutenClaims

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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When the wind picks up, claims become a pressure cooker. 🌪️

In this episode, Chantal and Heather tackle five real-world conflicts adjusters face during catastrophes — from underinsurance and staffing shortages to pressure, compassion fatigue, and post-storm chaos. They unpack what happens when good intentions collide with policy language, time limits, and too many claims on the desk.

💬 You’ll hear stories from the field, insider strategies for ethical decision-making under pressure, and a few laughs (because sometimes that’s all you can do during CAT season).

Check out https://project55.org/ for empowering yourself with better mental health.

🎧 Listen on Spotify
📺 Watch on YouTube
👍 Like, 💬 comment, and 🔔 subscribe — it helps more adjusters find the show and keeps the conversation going after the storm.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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This one’s for the adjusters who keep learning even when nobody’s paying for training anymore.

Heather and Chantal talk about what real professional development looks like today — from learning policy language on your own to staying sharp as tech, AI, and consumer expectations change faster than your claim count. They dig into why mold and low-impact claims are making a comeback, how leadership can actually support adjusters, and why communication skills matter just as much as technical ones.

It’s a fun, honest conversation about taking ownership of your career, sharing what you know, and finding the balance between empathy and efficiency in claims.

💬 Join the conversation:
What’s something you’ve learned on your own that made you a better adjuster? Drop it in the comments — your insight might help someone else.

👍 Like this episode
💬 Comment to tell us what topic you want next
🔔 Subscribe to help us climb the algorithm and reach more adjusters who could use a little encouragement (and a few laughs)

InsurancePodcast #ClaimsAdjuster #ProfessionalDevelopment #InsuranceEducation #Leadership #TheArtOfAdjusting #HeatherBlevins #ChantalRoberts #CPCU #AdjusterLife #InsuranceRebel

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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🏈 Adjusters can’t do it all — sometimes you need to call in the experts.

Heather and Chantal dig into the world of experts in claims. From engineers and origin-and-cause investigators to claims handling experts, we explore:

• When adjusters should bring in specialized help (and when not to).
• Why “being an expert” takes more than Google or self-proclamation.
• How early expert involvement can save costs, reduce disputes, and even prevent bad faith.
• The challenges (and humor) of expert testimony in court.

Think of it like football: adjusters may be the quarterbacks, but sometimes you need that skilled player to step in. Or in classic film noir terms (yes, Double Indemnity gets a mention) — adjusters are the Renaissance folks of insurance, but even Renaissance folks know when to call backup.

Listen in for practical takeaways, ethical insights, and a few laughs about what it really means to be an “expert” in claims.

Insurance #Claims #Experts #Adjusting #TheArtOfAdjustingPodcast

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Independent adjusting—explained by the people shaping it. Chantal and co-host Heather sit down with Chris Stanley (IA Path) and Calvin Newman (MOCAT) to discuss the realities of an IA career: the challenges, opportunities, and how to thrive long-term.

💡 Topics covered:

• Independent adjusters as entrepreneurs
• The gap in training and follow-up support for new adjusters
• Tech + AI: speeding work, not replacing empathy
• Making claims attractive to Gen Z talent
• Reframing claims as the heart of insurance
• Quick hits: a wild inspection story + Chris’s “four life currencies”

📧 Guest contacts:
Chris Stanley – chris@iapath.com
Calvin Newman – calvin@mocat.com

👍 If you found this helpful, like, subscribe, and share with a teammate who’s building their IA career.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Not every denied claim is bad faith. Not every mistake is a lawsuit waiting to happen. So why does it sometimes feel like “bad faith” is lurking around every corner?

In this episode, Chantal and Heather Blevins (The Insurance Rebel) tackle the myths and realities of bad faith in insurance claims. They break down what bad faith really means, why the definition changes depending on the state, and how adjusters can protect themselves with strong documentation, timely communication, and clear reasoning.

You’ll hear stories from the field, the dangers of relying too much on AI or “black box” tools, and why emotions—both yours and the claimant’s—can turn a routine claim into a reputational nightmare. Most importantly, we’ll talk about what’s just hot air…and what really puts you at risk.

🎧 Tune in to cut through the noise, learn the real red flags, and walk away with practical strategies to keep your claims in good faith.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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✏️ School’s back in session—and so is claims compliance. In this episode, Chantal and Heather Blevins break down the Unfair Claims Settlement Practices Act and what it really means for adjusters in today’s high-pressure environment. From documentation do’s and don’ts to why clear, proactive communication can keep you out of hot water, this conversation is all about building good faith habits.

🎧 Tune in to hear practical strategies for avoiding costly mistakes, improving policyholder interactions, and handling claims with litigation in mind. Whether you’re a seasoned adjuster or new to the field, this episode gives you the tools to pass the “good faith” test every time.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Certificates of Insurance (COIs) look simple—but behind that one page is a world of fine print, pitfalls, and potential fraud.

In this episode, Chantal and Sandy talk with Scott Margraves, a 33-year insurance veteran and founder of COI’s R Us, about what COIs actually do (and don’t) prove. You’ll hear:

• Why 9 out of 10 COIs are issued incorrectly
• How small clerical errors can lead to big problems
• The difference between a document that verifies coverage and an actual contract
• Real-world examples of COI confusion, misrepresentation, and fraud

We also say goodbye to Sandy as co-host and welcome Heather Blevins as our next guest host—plus a preview of our upcoming episode on good faith claims handling.

You can reach Scott at COIsRUs.com or 713-416-9000

Want to know what a COI looks like? Here's the link:

https://acords.com/ACORD%20Forms%2025.html

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting® Podcast, Chantal and Sandy break down the often-confused differences between bankruptcy, insolvency, and reserves—and why every adjuster should understand how their decisions impact a carrier’s financial stability.

From SpongeBob memes to real-life cautionary tales, they show how financial instability can start with a single misstep in reserve-setting.

Sandy explains why AI can’t replace the artistry of reserves, while Chantal explains how carrier solvency, rate approvals, and even state-specific nightmares (we're looking at you, Florida) all connect back to the adjuster’s file. And yes—they call out the habits that hurt the most (👀 stair-stepping).

All while keeping it fun, real, and relevant.

If you’ve ever asked:

• What happens when an insurance company runs out of money?
• Why do regulators care so much about reserves?
• Can your reserve notes really impact carrier rates?

Then this episode is for you.

🎧 Listen now—and subscribe for more real talk about the hidden power of your adjusting decisions.
Your future claims career might just thank you.

Adjusters #InsuranceNerds #ClaimsHandling #SolvencyVsBankruptcy #TheArtOfAdjustingPodcast #Riskfluencer #ClaimReserves

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Ever had to break bad news to a policyholder already on the verge of tears—or threats? In this episode, Chantal and Sandy share real-world strategies adjusters actually need (no vanilla “just be empathetic!” advice here).

🎙️ You’ll learn:
✅ What to do when a claimant starts crying—or yelling
✅ How to set expectations without sounding cold
✅ Tips for staying calm, professional, and in control
✅ Why role-playing and preparation are your secret weapons

Whether you’re a seasoned adjuster or just starting out, this episode will help you handle high-stakes conversations with clarity and confidence.

👉 Listen now and level up your claims game!

🔗 [Follow the show and get notified about our next episode on bankruptcy, insolvency, and reserves—dropping July 31!]

To reach Sandy, visit RiskInfluencer.org.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting® Podcast, Chantal and Sandy explore the superpowers that adjusters need to thrive in one of the most demanding and misunderstood professions. From clear communication and empathy to pattern recognition and relentless follow-through, adjusters wear many capes—whether they realize it or not.

You’ll hear stories about the challenges of career mobility in insurance, why initial conversations with policyholders can make or break a claim, and how to set expectations without overpromising. We also bust common myths about adjuster compensation and dig into why the public often misunderstands what adjusters actually do.

If you’re an adjuster, agent, or just curious about the real work behind insurance claims, this episode will give you a fresh appreciation for the skills—and heart—it takes to do the job well.

Tune in to learn:
✅ Why adjusters are the modern Renaissance people of insurance
✅ Strategies for managing complex and emotional claims
✅ The hidden barriers to growing your insurance career
✅ How adjusters can educate consumers and improve the industry’s reputation

👂 Listen now and discover your own adjuster superpowers.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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What happens when a rental property is fully repaired after a tragic event… but no one wants to live there? In this episode, Chantal and Sandy tackle a tough listener question from Dave Iadanza about insurance coverage, loss of rent, and reputational harm after a violent crime.

We walk through the real-life case of a triple homicide in New York, explore the limits of standard property policies, and share practical steps adjusters can take—like filing restitution letters and documenting coverage explanations. We also broaden the conversation to include business interruption coverage, active shooter insurance, and California’s workplace violence prevention requirements.

This is one of those episodes where claims handling meets crisis management.

Tune in for insight, empathy, and the tools to guide insureds through the aftermath of trauma.

🔗 Mentioned in this episode:
• Article by Chantal Roberts & Nancy Germond: How Active Assailant Insurance Can Help Your Business Survive • Contact: Paul Marshall, McGowan Programs – Active Shooter Division pmarshall@mcgowanprograms.com

🗓️ Next Episode drops July 3: Adjuster Super Powers – just in time for the long weekend.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting® Podcast, Chantal is joined by guest co-host Sandy Avina to unpack the messy—but fixable—world of insurance collaboration. What happens when adjusters, agents, and risk managers all think they’re steering the ship? Spoiler: chaos. But it doesn’t have to be that way.

We cover:
✔️ The surprising disconnect between “little R” risk managers and actual insurance strategy
✔️ Why agents often get trusted more than adjusters (even when adjusters know more)
✔️ Why that email chain isn’t helping—pick up the phone
✔️ How a recurring med spa laser malfunction became an insurance case study
✔️ Ways adjusters can share insights without crossing lines

Whether you're new to claims or you've been in the industry longer than a fax machine, this episode will give you insight (and maybe a laugh) about how we can all work together better.

📞 Communicate clearly. Collaborate smarter. And for the love of insurance—send the denial letter in the mail.

👉 Don’t forget to subscribe, like, and comment—especially if you’ve got your own story of miscommunication madness.

InsuranceClaims #RiskManagement #AdjusterLife #InsuranceAgents #ClaimsHandling #TheArtOfAdjusting #InsurancePodcast #SandyAvina #ChantalRoberts #InsuranceEducation #CommunicationMatters

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Ever wondered what it takes to transform an entire industry's culture? Amy Cooper, founder and CEO of RISE (Rising Insurance Star Executives), joins the Art of Adjusting podcast to reveal exactly how she's making it happen in the insurance world.

"I wanted this and it didn't exist for me, so I just said, ok, I'm going to build it," Amy explains, describing the origin of RISE. What began as a personal need has evolved into a comprehensive professional development ecosystem supporting insurance professionals at every career stage - from students entering the industry to executives climbing the leadership ladder.

At the heart of RISE's offerings is their innovative three-month mentorship program designed for busy professionals. Unlike traditional year-long commitments, this focused approach delivers maximum value through six structured meetings that emphasize developing crucial "human skills" rather than technical expertise. By intentionally pairing mentors and mentees across different segments of insurance, participants gain broader industry perspectives while building connections beyond their immediate work environment. For adjusters and claims professionals working remotely, this cross-functional exposure proves invaluable in combating isolation and expanding their professional network.

The annual RISE Leadership Summit embodies the organization's fresh approach to professional development. Taking place in Fort Lauderdale this June, the event deliberately breaks from traditional "stuffy conference" formats while delivering substantial educational content through TED-style talks from industry leaders. With separate tracks for individual contributors and management-level professionals, participants receive targeted development regardless of career stage. Beyond these flagship programs, RISE offers year-round engagement through their Innovators Lab, Wisdom Wednesdays, local events, and a newly launched community app.

Ready to level up your insurance career? Visit riseprofessionals.com to join for free and connect with this growing community of forward-thinking insurance professionals who are reshaping the industry's future together.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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The hard and soft market cycle remains one of the insurance industry's most powerful yet least understood forces. In this eye-opening conversation with industry veteran Chris Burand, we peel back the curtain on what's really happening within carrier boardrooms during the current market hardening.

Most insurance professionals under 40 have never experienced a genuine hard market until now. With remarkable clarity, Burand explains how we're potentially facing "the hardest market since the mid-80s" despite carriers posting record profits last year. This seeming contradiction points to the fundamental truth that hard markets stem from balance sheet weaknesses, not income statement problems.

The roots of our current crisis trace back to 2018 when carriers made a fateful decision to reduce reinsurance purchases, effectively doubling their growth rate while increasing catastrophic exposure. When devastating Midwest storms struck and investment losses mounted, the industry's surplus position deteriorated dramatically. What's particularly troubling is Burand's revelation that some major carriers have borrowed significant portions of their surplus or invested heavily in junk bonds, creating serious quality concerns beyond mere quantity issues.

For claims professionals, these market dynamics directly impact daily operations through staffing reductions, heightened scrutiny of settlements, and increased pressure to control costs. Understanding the "why" behind these changes provides valuable context for navigating today's challenging environment.

We also explore how third-party litigation funding, excessive verdicts, and problematic risk assessment models are creating scenarios where certain risks simply can't be priced at any level. These structural challenges suggest the current hard market may persist much longer than historical patterns would indicate.

Whether you're an insurance adjuster trying to understand why your job just got harder, a broker explaining premium increases to clients, or simply someone curious about the forces shaping the insurance landscape, this conversation provides essential insights into the trillion-dollar tightrope the industry is currently walking.

Ready to deepen your insurance industry knowledge? Subscribe now and join our community of claims professionals committed to mastering the art of adjusting.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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What keeps insurance adjusters up at night? From catastrophic losses that inspire genuine nightmares to the frustration of policy limitations that leave families vulnerable, our latest episode delves into the claims that haunt adjusters long after they're closed.

Bill and Chantel share their most memorable cases, including the heart-wrenching story of a truck driver whose family went without heat or electricity during winter holidays because of payment delays, and homes insured for a fraction of their replacement cost. These situations highlight the emotional reality of claims work - when adjusters recognize injustice but face constraints beyond their control.

The conversation takes a lighter turn with Chantel's account of perhaps the strangest claim ever filed: a truck driver who insisted aliens abducted him, took his 18-wheeler for a joyride, and abandoned it in the Nevada desert. Despite the obvious Ambien-induced explanation, the claim was actually covered - creating the surreal situation of documenting extraterrestrial vehicle theft.

We also address serious safety concerns adjusters face in the field - from confrontational policyholders to having ladders removed while on roofs. Our hosts offer valuable advice for new adjusters on de-escalation techniques and maintaining professionalism when being recorded by hostile parties.

Beyond the technical aspects of policies, adjusting is fundamentally about people navigating difficult situations. Whether you're an experienced adjuster or considering entering the field, this candid conversation reveals the human stories behind the paperwork and the emotional intelligence required to handle them effectively.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Every adjuster encounters that frustrating situation where an insured has received their claim check but refuses to start repairs. They're stuck in limbo, paralyzed by the belief that beginning work means surrendering their right to coverage for additional damages that might be discovered later.

This episode explores the psychology behind repair hesitation and offers practical solutions for getting claims unstuck. At its core, the problem stems from fear – though most insureds wouldn't identify it as such. They've absorbed the cultural narrative that insurance companies are trying to "screw them over," making them afraid to take any action that might jeopardize their claim.

I walk through the delicate balancing act adjusters must perform: we can't directly tell insureds to make repairs (creating potential liability), yet we must communicate policy requirements to protect property from further damage. This requires becoming translators of "insurance-ease" into plain English while acknowledging the insured's legitimate concerns.

The most effective approach combines verbal explanations with written documentation. Phone conversations allow for nuanced discussion and tailored examples that address specific fears, while follow-up letters provide clarity and record-keeping. I share specific language and techniques that help insureds understand complex concepts like supplements, file reopening, and the difference between contractor estimates and insurance payments.

For adjusters dealing with stalled claims, this episode provides both empathy for the insured's perspective and practical strategies to move claims forward without overstepping professional boundaries. By addressing the underlying fear, we can help policyholders protect their property while maintaining trust in the claims process.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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To understand how hail damage affects buildings and insurance claims requires understanding both the technical aspects of damage assessment and the human element of homeowner expectations. In this enlightening solo episode, Chantel Roberts dives deep into the world of structural and roof hail damage claims, offering critical insights for adjusters and policyholders alike.

Chantel breaks down the fundamental differences between cosmetic and structural damage, explaining how adjusters evaluate bruising, cracking, granule loss, and punctures to determine if a roof's integrity has been compromised. She addresses the controversial "matching principle" – when insurers must replace undamaged portions of siding or roofing to maintain a uniform appearance – and how this varies dramatically based on policy language, state regulations, and court interpretations.

The episode offers a candid look at why homeowner expectations often clash with policy realities. Many policyholders purchase policies with cosmetic damage exclusions or percentage-based deductibles without fully understanding these limitations until they file a claim. Chantel emphasizes that while adjusters didn't create these misunderstandings, effective communication becomes their responsibility during the claims process.

Particularly valuable is Chantel's practical advice for handling supplements, setting clear expectations with insureds about the repair process, and balancing thorough investigations with prompt payment. With storm events generating massive claim volumes (147,000 claims and $442 million in payments in Kansas alone in 2023), adjusters must master both technical assessment skills and effective communication strategies.

Whether you're an experienced adjuster, new to the profession, or a homeowner trying to understand your coverage, this episode provides essential knowledge about how hail claims are evaluated and settled. Subscribe to the Art of Adjusting podcast for more insights into the complex world of insurance claims handling.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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When the sky pelts your vehicle with ice, the damage goes far beyond cosmetic dents—it triggers a cascade of insurance decisions that could impact your wallet for years to come. In this comprehensive guide to automotive hail damage claims, Bill and Chantel tackle the complex world of total loss declarations, salvage titles, and diminished value from the insider perspective of experienced adjusters.

The conversation dives deep into the mysterious "70-75% rule" that insurance companies use to determine when your dented but perfectly drivable vehicle crosses the threshold into total loss territory. You'll learn why this seemingly arbitrary percentage exists, how different states regulate it, and what options remain when your car is deemed "totaled" despite being mechanically sound.

Salvage titles represent another crucial piece of the hail damage puzzle. Bill and Chantel walk through the entire process—from initial damage assessment to title conversion through your state's DMV—explaining how this designation affects your ability to drive, sell, or insure your vehicle moving forward. Their candid discussion highlights the frustrating reality that cosmetically damaged but functionally perfect vehicles must carry this stigma.

Perhaps most valuable is their examination of diminished value claims—the often-overlooked financial loss that occurs when your vehicle's market value drops simply because it has damage history, even after perfect repairs. The hosts explore the evolution of these claims, why insurance companies have historically resisted them, and how today's information-rich environment has forced the industry to acknowledge this economic reality.

The episode features fascinating real-world examples, including a massive seven-dealership claim with a $3 million deductible where Ferrari and Maserati inventory received priority protection while everyday vehicles faced nature's wrath. Special considerations for leased vehicles round out this essential guide for anyone who parks their car under the open sky.

Want to protect yourself before the next storm hits? Subscribe to The Art of Adjusting podcast for more insider knowledge from experienced claims professionals who understand both sides of the insurance equation.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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This week’s podcast dives into the world of claims made versus occurrence policies, shedding light on their significant differences and implications for those in the insurance industry. Our guest expert, Fred Fisher, shares valuable insights gained from decades in the field, offering critical information for both current and aspiring adjusters.

• Defining claims made and occurrence policies
• Exploring the impact of claim reporting requirements
• Discussing the importance of timely reporting
• Analyzing real-world claim scenarios and case studies
• Highlighting current trends and changes in insurance practices
• Understanding the ethical complexities of claims adjusting

For those wishing to gain further insights, check out Fred Fisher's new book Claims-Made Insurance. His deep knowledge offers essential understanding for anyone in the insurance business.

Be sure to check out his upcoming webinar as well.

This audio has been edited and engineered by Nicholas Kearns, 585-545-9976, njkearns11@gmail.com

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
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In this episode, we sit down with Heather Blevins, the renowned "Insurance Rebel," to explore the crucial role of resilience and relationships in claims adjusting. As professionals in a high-stakes, high-stress industry, adjusters face unique challenges that require more than technical expertise—they need strong connections and a support system to thrive.

With Valentine’s Day as a backdrop, this conversation highlights how fostering meaningful relationships—whether with colleagues, clients, or mentors—builds professional and personal resilience. Heather shares her insights on how adjusters can navigate industry pressures, handle emotional challenges, and find deeper fulfillment in their work.

We also tackle the often-overlooked topic of mental health and self-care in the claims profession. From the demands of catastrophe response to the everyday stress of handling complex cases, we discuss ways to maintain well-being, reduce burnout, and create a culture of support and transparency within the industry.

Looking ahead, the future of claims adjusting is evolving with AI advancements and a growing workforce gap. Heather shares her perspective on how the industry must adapt training programs, attract new talent, and balance technological efficiency with the human touch that remains at the heart of the profession.

Join us for this insightful conversation as we uncover strategies for staying resilient, strengthening industry relationships, and shaping the future of claims adjusting.

This audio has been edited and engineered by Nicholas Kearns, 585-545-9976, njkearns11@gmail.com

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this thought-provoking episode of The Art of Adjusting® Podcast, hosts Bill Auten of Auten Claims Management and Chantal Roberts of CMR Consulting dive into a challenging and highly relevant topic: the intersection of insurance coverage and liability in sex trafficking lawsuits.

The discussion begins with an overview of what constitutes human trafficking, drawing from definitions provided by the Department of Homeland Security and insights from IRMI (Insurance Risk Management Institute). Bill and Chantal then analyze recent legal cases involving hotels, businesses, and tech platforms accused of facilitating trafficking—knowingly or unknowingly.

Key topics include:

• Negligence vs. Intentional Acts – How liability is determined under insurance policies.
• The Role of Business Owners – What responsibility do hotels, landlords, and other entities have in preventing trafficking?
• The Intentional Harm Exclusion – Breaking down whether insurance should cover businesses complicit in these crimes.
• Moral and Ethical Dilemmas – Can (or should) insurers be required to defend such claims?
• Legal Precedents and Policy Language – What courts are saying about coverage obligations.

Bill and Chantal also tackle broader industry issues, including the duty to defend vs. the duty to indemnify, policy exclusions, and how insurers should respond when policyholders are accused of unethical or illegal behavior.

This episode is essential listening for insurance adjusters, claims managers, risk professionals, and legal experts navigating complex liability issues in today’s world.

This audio has been edited and engineered by Nicholas Kearns, 585-545-9976, njkearns11@gmail.com

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting®, William and Chantal dive into a listener's question about liability coverage for stolen vehicles and expand the discussion by exploring related topics from various Reddit subreddits focused on the insurance claims industry. They break down the key question of whether a vehicle owner is liable for bodily injury or property damage caused by a thief, explaining that liability typically doesn’t apply since theft is an illegal act. However, they also clarify how comprehensive or collision coverage might come into play for damage to the stolen vehicle.

Drawing on insights from Reddit, they tackle questions about the claims process, subrogation, and the pursuit of restitution from at-fault parties. They also explore the concept of negligent entrustment, emphasizing the importance of listing regular users on an insurance policy to avoid disputes.

With its blend of expert analysis and real-world scenarios, this episode offers practical advice for adjusters, policyholders, and anyone navigating the complexities of stolen vehicle claims. Tune in to hear how industry professionals approach these challenges and to gain a better understanding of coverage and liability in these situations.
This audio has been edited and engineered by Nicholas Kearns, 585-545-9976, njkearns11@gmail.com

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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This episode uncovers the critical challenges insurance adjusters face during wildfires, focusing on the complexities of coverage and claims amidst catastrophic losses. The hosts explore key policy exclusions, the role of governmental actions, commentary and opinion that can be found on Facebook and Reddit, and the emotional toll on victims while calling for clearer policies and communication within the industry.

• Understanding insured losses from California wildfires
• Coverage questions related to vehicle damage during fires
• The importance of clarity in insurance policy terminology
• Exploring exclusions in personal auto and commercial policies
• Discussion on governmental actions impacting insurance claims
• The emotional impact of wildfires on communities and adjusters
• Future considerations for insurance policies and adjuster practices

This audio has been edited and engineered by Nicholas Kearns, 585-545-9976, njkearns11@gmail.com

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting®, Chantal and William welcome Mike Connell, CEO and Co-Founder of Risk Jockey, Inc., to explore the complex world of open records and Freedom of Information Act (FOIA) requests. With decades of experience as a licensed private investigator specializing in accident investigations, Mike shares invaluable insights on navigating open records applications, obtaining critical evidence, and overcoming challenges in claims handling.

Key Topics Covered:

FOIA vs. FOIL: Understanding federal and state-level open records laws.

Video Evidence: Challenges, costs, and best practices for requesting police body camera footage and traffic videos.

Timeliness in Claims Investigations: Why initiating open records requests early is crucial to preserving evidence.

HIPAA and Record Access: Navigating privacy laws and securing authorizations to expedite the release of critical records.

Outsourcing Open Records Requests: How Risk Jockey streamlines record retrieval, saving adjusters time and resources.

Mike also dives into the growing role of body cameras in claims investigations, the nuances of record retention policies, and strategies for handling difficult jurisdictions. Plus, discover how Risk Jockey integrates with claims management software to simplify record retrieval processes for adjusters.

Tune in to learn how a proactive approach to open records can enhance your claims investigations and why outsourcing these tasks might be the key to better, faster, and more cost-effective results.

Visit Risk Jockey **to learn more or initiate a request.

Contact Mike Connell directly at 678-230-8891.**

Don’t miss this episode packed with actionable advice for claims professionals seeking to streamline their processes and elevate their results!

This audio has been edited and engineered by Nicholas Kearns, 585-545-9976, cococola576@gmail.com, NJKearns@alumni.fullsail.edu

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
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In this episode of The Art of Adjusting® Podcast, hosts William Auten and Chantal Roberts welcome Marty Shaw, RCA, BCMA, TRAQ, TPAQ, a globally recognized consulting arborist and author of The Professional Amenity Plant Appraisal Handbook. With nearly three decades of consulting experience, Marty is one of the few arborists worldwide who consults full-time, offering his expertise to private landowners, insurance companies, attorneys, and various organizations.

Key Topics Covered:

• Tree Liability for Property Owners: Marty explains the responsibilities of property owners to inspect and mitigate tree hazards to prevent liability issues.
• Tree Risk Management Policies: Discover how municipalities, golf courses, and large property owners can implement effective policies to manage tree-related risks.
• Valuation of Trees: Learn about the differences between amenity value and timber value and the methods used to calculate the worth of trees in residential and commercial contexts.
• Large Tree Transplantation: Marty discusses the feasibility and limitations of moving large, mature trees.
• Tree Claims and Litigation: Explore the complexities of tree-related insurance claims, the nuances of contracts, and the importance of seeking expert advice for precision logging or appraisal cases.

Marty also shares insights into the different levels of tree inspections, from basic drive-by assessments to detailed structural evaluations using advanced equipment. He provides actionable advice for adjusters, property owners, and insurers on how to navigate tree-related liability claims effectively.

About Marty Shaw
Marty Shaw, the first Academy Registered Consulting Arborist in Middle Tennessee, is a member of the American Society of Consulting Arborists (ASCA) and the Tennessee Urban Forestry Council. Marty is sought after for his expertise in complex and high-profile cases across the U.S. and offers services as an expert witness for tree-related matters.

Contact Marty Shaw:

• Website: https://www.proapah.com
• Email: Expert@greenseasonconsulting.com
• Mobile: 615-477-7889 | Office: 615-794-4377
• Mailing Address: P.O. Box 680716, Franklin, TN 37068

For more information about Marty’s book, The Professional Amenity Plant Appraisal Handbook, visit https://www.proapah.com.

Connect with The Art of Adjusting® Podcast
Join hosts William Auten and Chantal Roberts for this insightful discussion on tree liability, risk management, and valuation. Don’t miss this essential conversation packed with practical advice for adjusters, property owners, and anyone navigating tree-related liability. Subscribe to The Art of Adjusting® on your favorite pod

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode, William and Chantal dive into the critical issue of confirmation bias in insurance claims handling. They explore how biases—both conscious and unconscious—can affect claims processes, leading to misinterpretations and errors. Drawing from their extensive experience, they highlight the importance of:

• Peer Review Processes: Chantal emphasizes the value of roundtables and diverse teams in claims review to challenge assumptions and avoid groupthink.
• Open-Minded Investigations: William shares insights on maintaining objectivity and considering alternative perspectives when evaluating claims, especially in scenarios involving slip and falls, tree falls, and food poisoning.
• Agent Biases: The discussion addresses how agents’ vested interests in maintaining clean loss histories can inadvertently lead to errors or biases, and why coverage decisions should remain in the adjuster’s purview.
• Avoiding Groupthink: Together, they stress the need for varied viewpoints in claims handling to ensure accuracy and comprehensive evaluations.

The episode also touches on the role of communication in managing biases, with Chantal and William sharing personal anecdotes about overcoming their own assumptions.

For further insights, check out William’s blog post, “Addressing Confirmation Bias in Claims”, where he takes a deeper look into the challenges and strategies for overcoming biases in the claims process.

Tune in to learn how to identify and mitigate confirmation bias, avoid groupthink, and enhance the objectivity of your claims handling process. Don’t miss this insightful discussion!

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this Thanksgiving-themed episode of The Art of Adjusting®, hosts Chantal Roberts and William Auten reflect on gratitude, from personal appreciation to professional growth. They discuss health insurance complexities, health insurance, document management strategies, and evolving practices in the insurance industry, including the power of storytelling in claims.

With warm anecdotes about Thanksgiving plans, a family graduation, and humorous industry moments, they also explore future topics like Medicare and CMS. This episode blends heartfelt gratitude with practical insights, making it a thoughtful listen for adjusters and insurance professionals alike.

Tune in as they share lessons on balancing life, work, and growth in the claims industry!

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
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In this episode of The Art of Adjusting® Podcast, host Bill Auten takes listeners on a detailed journey through the complexities of evaluating damages in liability claims. Perfect for claims adjusters, legal professionals, and anyone interested in the finer points of claims management, this episode unpacks how to determine fair compensation for both property and bodily injury cases.

Bill explains the distinctions between "special damages" (such as medical costs and lost wages) and "general damages" (including pain and suffering) and provides guidance on balancing objectivity with empathy. Through real-world examples, he covers important principles like the "single recovery principle," ensuring all aspects of a claim are settled comprehensively, and the claimant's responsibility to "mitigate damages" to avoid unnecessary costs.

Listeners will gain insights into how regional law differences, the challenges of evaluating permanent injuries, and various factors can influence claim values. Bill shares practical guidance for adjusters who must consider not only financial costs but also the personal impact on claimants' lives. From calculating loss of earning capacity to addressing intangible impacts like pain and lifestyle changes, this episode serves as a complete guide to assessing damages with fairness and accuracy.

Tune in to discover the expertise required to evaluate damages thoughtfully and ethically in liability claims, revealing the art and precision behind every decision.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

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In this insightful episode of The Art of Adjusting®, hosts Chantal Roberts and William Auten are joined by David Princeton, principal consultant at Advocate Claim Service, to discuss the complex roles of public adjusters in the insurance industry. They explore the profession’s intricacies, emphasizing the crucial roles of transparency and ethical standards.

David clarifies the often misunderstood position of public adjusters, addressing the stigma of their perceived opposition to carrier adjusters. He highlights a shared goal among all adjusters: to settle claims fairly and uphold high ethical standards, fostering collaboration across the industry.

The conversation covers 'direct physical loss' in insurance policies, its impact on actual and consequential damages, and the importance of accurate documentation to avoid estimate inflation. They also examine the concept of indemnity, focusing on depreciating electronic items, and David introduces a historical perspective on replacement cost policies versus Actual Cash Value, setting the stage for future in-depth discussions.

The trio discusses the challenges of estimating repair and replacement costs, emphasizing the need for clear communication between field and desk adjusters to bridge interpretation gaps and prevent estimation extremes.

They conclude by discussing strategies to manage resistance and gamesmanship in post-disaster restorations, stressing transparency and ethical practices. David commits to further exploring historical insurance valuation cases, and Chantal plans to feature his insights in her risk management class.

This episode not only highlights the essential roles and responsibilities within the insurance claims industry but also emphasizes the importance of collaboration and ethical conduct for effective and fair outcomes.

Our guest's information:

David R. Princeton, CPCU, AMIM, AIC, CSRP
Principal Consultant
Advocate Claim Service, LLC.
(414)841-6462
David@AdvocateClaimService.com
www.AdvocateClaimService.com

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting®, William Auten takes a deep dive into one of the most common liability claims: slip and fall cases, particularly those involving snow and ice conditions. William outlines five essential defenses adjusters and attorneys must consider when investigating these claims, such as the storm in progress doctrine, non-delegable duties of property owners, and proving causation with concrete evidence. This episode highlights the importance of regular inspections, proper maintenance protocols, and thorough documentation. William shares valuable insights on how industries like insurance, property management, and snow removal can reduce liability risks through well-documented maintenance efforts and innovative technology solutions. Tune in for a concise yet impactful discussion that will leave you better equipped to handle slip and fall claims.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode, Chantal and William share their personal journeys into the world of claims adjusting, offering insight into what fuels their passion for the profession. They explore the fulfilling aspects of the job, memorable cases that have left a lasting impact, and the unique challenges that come with navigating difficult situations. From stories of overcoming obstacles to advice for future adjusters, this episode provides a heartfelt look at the rewards of a career in adjusting, along with a glimpse into the future of the industry. Whether you're an experienced adjuster or considering entering the field, this episode will inspire and inform.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Join hosts Chantal Roberts and William Auten as they celebrate the 50th episode of The Art of Adjusting® podcast with an in-depth discussion on the world of multi-line adjusting. They break down the benefits of holding a general adjuster’s license and the flexibility it brings, while also exploring the unique challenges of handling both property and liability claims. Chantal and William share their insights on the investigative nature of liability work, the realities faced by independent adjusters, and the importance of mentorship and continuous learning. Additionally, the episode highlights the unique experiences of female adjusters and dives into the complexities of determining claim values. Whether you're new to the industry or a seasoned professional, this episode is packed with practical advice and expert knowledge.

Looking for work as an IA? Join our roster!

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode, Chantal Roberts and William Auten welcome Barry Zalma, a seasoned insurance industry professional with over 56 years of experience. The trio discusses the changing role of insurance adjusters, their relationship with policyholders, and the current challenges faced by the industry.

Barry shares his journey from a military investigator to a trainee adjuster and recounts significant cases that shaped his career. Barry focuses on the critical importance of effective and fair claims handling for the profitability of insurance companies and the detrimental impact of poor handling practices. The team also grapple insurance fraud, the adversarial nature of the legal system, and the challenges posed by public adjusters.

Barry Zalma publishes daily blogs and a TON of informative content. Check him out here:

https://zalma.com/

https://substack.com/@barryzalma

https://www.linkedin.com/in/barry-zalma-esq-cfe-a6b5257/

https://zalma.com/blog/

https://www.youtube.com/@barryzalma2886

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting®, hosts Chantal and William dive deep into the duties and responsibilities that insurance carriers have towards third-party claimants. They explore the fine line between contractual and moral obligations, emphasizing the importance of maintaining goodwill and treating claimants with respect to avoid potential pitfalls like excess verdicts against policyholders.

The discussion covers the complexities of handling insurance claims, including the critical need for thorough documentation, the risks of claim denials, and the challenges of accurately determining claim values. Chantal and William also tackle the controversial topic of "low balling" in insurance claims, offering insights into how adjusters can properly justify claim values to avoid accusations of bad faith.

Listeners will gain valuable advice on improving the claims process, such as the importance of early requests for medical records, clear communication with claimants, and the strategic use of partial settlements in severe injury cases. Chantal and William also share personal anecdotes and tease an upcoming episode featuring Barry Zama, a renowned expert in insurance claims, promising a deep dive into fraud prevention and best practices.

Tune in to learn how to navigate the intricacies of claims handling while upholding professionalism and integrity in the industry.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting® Podcast, host Chantal Roberts welcomes Quentin Brogdon, an experienced trial lawyer and former insurance defense attorney, recommended by Nancy Germond. Quentin shares invaluable insights from his extensive career, offering a unique perspective on the relationship between insurers, adjusters, and claimants. Together, they discuss the importance of fair and timely claim resolution, the pitfalls of lowballing offers, and the benefits of understanding both sides of the legal process.

Listeners will learn about the handling of mediations, the role of defense counsel, and the critical need for adjusters to act professionally and ethically. Quentin emphasizes the importance of treating third-party claimants with the same respect as policyholders, highlighting how a macro approach to claims can lead to better outcomes for insurance companies.

This episode provides practical advice for new and seasoned adjusters alike, including how to navigate complex claims, the value of transparency, and the strategies for effective communication with both defense attorneys and claimants. Join us for an enlightening conversation aimed at enhancing the skills and knowledge of insurance professionals.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Join Chantal and William on this episode of The Art of Adjusting® Podcast as they dive deep into the journey of becoming an expert claims adjuster. They break down the career path from novice to seasoned professional, emphasizing the value of experience, continuous learning, and self-education. You'll hear them discuss the importance of communication skills, understanding complex insurance policies, and the personal satisfaction that comes with mastering this field.

Chantal and William also share practical advice on pursuing professional designations like AIC or CPCU, cross-training in different types of claims, and taking the initiative in self-education. They highlight the significance of clear communication in policy interpretation and the benefits of specialized knowledge.

In this episode, you'll get insights on avoiding burnout, maintaining a work-life balance, and finding fulfillment in your career. Plus, they touch on the potential challenges and rewards of further education and certifications, and why staying up-to-date with industry developments is crucial.

Don't miss their discussion on the concept of expertise in claims handling, the value of teamwork, and the role of passion in achieving job satisfaction. Tune in for an informative and engaging conversation that will help you navigate your career as a claims adjuster.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Happy Independence Day!

We think you will find this to be an educational episode. William and Chantal discuss several challenging subjects related to motor vehicles and homeowner policies. They explore car classifications, modernizing policies, and the roles of claims adjusters. They analyze how changing policyholder needs and new technologies like e-bikes and drones are transforming insurance coverage.

Key Discussions:

• Motorized Vehicles: This episode examines the insurance applications and legal classifications of new forms of transportation, such as e-bikes and motorized scooters, particularly with respect to pedestrian-related accidents.
• Policy Updates: William and Chantal discuss the necessity of changing the wording of policy forms that are currently used in insurance policies. This conversation centers on outdated insurance clauses that tend to overlook new or emerging technologies. Examples include exclusions for drones and their impact on current coverage.
• E-Bike Coverage: This episode also considers a hypothetical e-bike accident and how a standard homeowner policy may or may not provide coverage.
• Policy Understanding: In this segment, William and Chantal discuss the importance of reading and fully understanding insurance policy forms to ensure that correct coverage decisions are made on each claim.
• Liability and Coverage: This section discusses liability issues related to non-traditional vehicles in relation to motor vehicles, including the subtle differences in registration, coverage, and the definitions embedded in a traditional homeowner's insurance policy.
• State-Specific E-Bike Laws: Chantal and William cover how various state laws could affect the coverage of e-bikes under current policy forms and legislation. Are e-bikes required to be registered in your state? Listen here to find out.
• The Significance of Punctuation in Policies: Chantal points out the noteworthy influence of punctuation in policy wording and how its consequences for interpreting coverage can have profound effects on whether a claim is covered.

Be prepared for an exciting upcoming episode where Chantal and William will discuss the journey from novice to expert in the claims business.

Tune in next time for more expert discussions as we continue to unravel the intricacies of the insurance industry and enhance your expertise in claims adjusting.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Hosts Bill and Chantal are joined by special guest Luis Diaz, a thought-provoking entrepreneur with a passion for technology and insurance claims.

https://www.linkedin.com/in/luisarturodiaz/

https://www.gobeyondroadmap.com/

In this episode, they explore the transformative impact of artificial intelligence on the insurance claims process. Luis introduces Claim Mentor, an innovative AI tool that streamlines claimant statement processing and transcription scheduling. The hosts discuss the challenges faced by adjusters, the importance of the human element in client interactions, and how AI can offer varied perspectives on cases. They also dive into the integration of AI in claim processing, the significance of active listening in interviews, and the crucial role of effective communication in managing customer claims. Tune in to this engaging conversation as they navigate the intersection of technology and human expertise in the dynamic field of insurance claims management.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode, Bill and Chantal explore the human element in claims adjusting. They discuss the importance of empathy, effective communication, and cultural sensitivity in the profession. Bill shares personal stories that highlight the need for adjusters to remember that for many claimants, this is their first and only experience with a loss. Chantal provides practical techniques for de-escalating tense situations, such as speaking softly or using strategic pauses during phone calls.

They also discuss the challenges of managing stress and emotional resilience for adjusters, emphasizing the importance of continuous education and self-care. The conversation touches on the impact of AI in claims processing and the importance of maintaining the human touch despite technological advancements.

Listeners are reminded of the importance of picking up the phone and having real conversations with claimants, understanding regional and cultural differences, and educating both themselves and their clients. Bill and Chantal also tease an upcoming episode featuring Luis Diaz, who will discuss the role of AI in the industry.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode, William and Chantal explore the world of litigation and its impact on claims professionals. They discuss the role of adjusters in the litigation process, the importance of effective communication with clients, and the unique challenges faced by elderly individuals on Medicare when filing claims. The episode also covers the 'duty to defend' in insurance policies, handling cases involving attorneys, and the procedures and implications of filing a lawsuit.

Chantal shares valuable insights from her book, "The Art of Adjusting®," while both hosts emphasize the need for prompt and clear communication to prevent potential bad faith claims. Listen to gain a thorough understanding of these crucial aspects of claims adjusting and learn how to handle the complexities of litigation successfully.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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Welcome to Episode #41 of "The Art of Adjusting® Podcast" - your go-to resource for expert insights and practical tips on navigating the world of claims adjustment. In this episode, join hosts William Auten and Chantal Roberts as they discuss the challenges of assessing damages in insurance claims.

To read more on the topic of determining the value of claim settlements, be sure to check out the latest ACM Blog Post on the topic.

From property damage to bodily injury claims, William Auten and Chantal Roberts explore the complex task of evaluating special and general damages, unpacking common misconceptions and debunking myths along the way. Drawing from their extensive experience in the field, they share real-world examples and practical strategies for accurately valuing claims while ensuring fairness and ethical integrity.

Tune in as they discuss topics such as replacement costs vs. actual cash value, the concept of betterment, diminished value in automobile claims, and the challenges of determining liability and negotiating settlements. Whether you're a seasoned claims adjuster or just starting out in the industry, this episode provides valuable insights to enhance your expertise and empower you to navigate the complexities of claims adjustment with confidence.

Interested in learning more? Check out the latest titles by Chantal Roberts:

• Once Upon A Claim: Fairy Tales to Protect Your Ass(ets)
• The Art of Adjusting: Writing Down the Unwritten Rules of Claims Handling

Don't miss out on this informative and engaging conversation on "Deciphering Damages" - only on "The Art of Adjusting® Podcast." Subscribe now and join us as we continue to explore the art and science of claims adjustment, one episode at a time.

Questions about this episode? Shoot me an email at wauten@auten.claims

Get The Art of Adjusting® today!

Looking for a job as a liability claims adjuster? Click Here!

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Join William Auten and Chantal Roberts in this insightful episode of The Art of Adjusting® Podcast as they examine key legal concepts of negligence in the insurance industry. This episode explores topics such as negligence per se, premises liability involving trespassers, licensees, and invitees, along with the principles of strict liability. Discover how these legal frameworks affect insurance claims and the responsibilities of policyholders, illustrated with practical examples and a unique fairy-tale twist.

In this discussion, they illuminate the complexities of liability and policy language, using a captivating story involving Rapunzel. Learn more about how these issues impact insurance claims by visiting Auten Claims Management, where you can find out how ACM aids insurance companies and self-insured entities in investigating third-party liability claims. Explore the depths of claims adjusting at The Art of Adjusting, where you can also learn about the author Chantal Roberts and her publications. Don’t miss out on Chantal Roberts' new book, “Once Upon a Claim,” available at Bookshop.org. Secure an advance copy and immerse yourself in a world where fairy tales, nursery rhymes, and fables do more than entertain—they educate on the essentials of property and casualty insurance and claims. Roberts turns the potentially daunting subject of insurance into an engaging and accessible guide for confidently navigating claims with insight and authority.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Looking for a job as a liability claims adjuster? Click Here!

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Exploring Depreciation of Labor and Materials

In this episode of The Art of Adjusting® Podcast, William Auten and Chantal Roberts navigate the complexities of depreciation in insurance claims, focusing on labor and materials. They kick off with an examination of depreciation, from wear and tear to obsolescence, highlighted by insights from Depreciating Materials Only vs. Depreciating Labor and Materials Together. Discussion points include the importance of detailed planning, accurate documentation, and involving insurance contractors early to streamline claims processing.

Methods to Calculate Actual Cash Value

William and Chantal discuss calculating actual cash value, covering market value, the broad evidence rule, and policy implications. They stress insurance's role in covering losses without yielding profit and advise a prudent approach to depreciation, referencing The Hidden Impact of Depreciating Labor Costs in Insurance Settlements and insights on the depreciation of labor from the National Association of Mutual Insurance Companies.

Debating Depreciation of Labor in Insurance Claims

The debate on depreciating labor within a claim is evaluated, focusing on legal standards for actual cash value and third-party claims. The hosts focus on clearing up misconceptions and how to form best practices on depreciating labor, overhead, profit, and sales tax.

William Auten and Chantal Roberts offer invaluable insights for insurance professionals and adjusters on the "depreciation of labor" in insurance claims. Episode #39 is a must-listen for those refining claims handling or seeking insights on insurance adjustments. Additionally, Chantal Roberts' upcoming book, Once Upon a Claim: Fairy Tales to Protect Your Ass[ets], releasing May 11, 2024, provides a deeper dive into claims adjustment. Don't miss the chance to win a free print copy of this essential guide for navigating insurance claim complexities.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Looking for a job as a liability claims adjuster? Click Here!

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In this episode of The Art of Adjusting® Podcast, Chantal Roberts and William Auten dive deep into the complexities surrounding water damage, storm surges, and their implications on insurance policies. They shed light on the critical role of flood-certified adjusters and the nuanced limitations within flood policies, especially in the context of high-value homes in flood-prone areas. The discussion also covers the often-ambiguous policy language, spotlighting specific challenges such as sump pump failure and its coverage issues.

Understanding the complexities of flood insurance is very important for both flood adjusters, and non-flood adjusters, and to aid in this endeavor, we recommend visiting the FEMA Flood Map Service Center for valuable resources and information. For those looking to deepen their knowledge, Chantal Roberts’ upcoming book, Once Upon A Claim: Fairy Tales to Protect Your Ass(ets), is a must-read. You can pre-order your copy from independent booksellers through Bookshop.org.

Chantal and William emphasize the paramount importance of empathy in handling insurance claims, underlining the adjuster's role in navigating through these intricate situations with compassion and understanding. The conversation is not just technical but also touches on the human aspect of insurance claims, reflecting on the importance of clear communication and thorough understanding of policy details among homeowners and adjusters alike.

Listeners can look forward to an insightful dialogue that not only explores the technicalities of insurance policies and the adjuster's role in flood scenarios but also delves into the ethical and empathetic considerations essential in the industry. Additionally, the episode sets the stage for future discussions on depreciation and third-party liability property damage claims, promising more enriching content for professionals and enthusiasts alike in the field of claims management and insurance.

For those seeking expert assistance in handling third-party liability claims, Auten Claims Management, Inc. offers unparalleled support. Visit www.auten.claims to learn more about how we can assist you in navigating the complexities of personal injury claims, ensuring the best outcomes for your company and policyholders.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Chantal Roberts and William Auten unpack the complexities of insurance contracts and the vital role of claims adjusters. Their discussion spans crucial topics from the skills required to understand insurance policies, the implications of 'hold harmless' agreements in leases, to the intricacies of additional insured status and insurer obligations. Through hypothetical scenarios, they illustrate the responsibilities and challenges adjusters face in tenant-landlord disputes and construction contract liabilities.

This episode also explores the significance of contract reviews, especially concerning indemnification, subrogation, and insurance policy endorsements and exclusions. William and Chantal emphasize the importance of continuous learning and legal consultation in navigating the landscape of insurance claims.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

In this episode, Chantal also endorses Coverage Opinions (https://coverageopinions.info/) as an invaluable resource for staying informed on insurance coverage issues, reflecting the podcast's commitment to enhancing industry knowledge and practice.

This episode not only offers a wealth of knowledge for claims adjusters at all levels but also underscores the ongoing need for expertise, clarity, and effective communication in the management of insurance claims.

Questions about this episode? Shoot me an email at wauten@auten.claims

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In this episode of "The Art of Adjusting® Podcast," hosts Chantal and William discuss the intersection of history, legal intricacies, and the dynamic world of insurance claims. They take a journey from the ancient Egyptian invention of leap years to the details that define modern insurance policies, focusing on the important aspects of policy effective dates, the legalities surrounding backdating, and the multifaceted nature of insurance claims.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

This episode explores the often-overlooked implications of leap years on insurance policies and the statutes of limitations, providing a comprehensive overview that blends historical insight with contemporary challenges. The episode navigates through intricate scenarios, including the adjudication of fire losses that extend across multiple policy periods and the forensic examination of security camera footage essential for substantiating claims.

You will want to check out Chantal’s blog post on the statutes of limitations across various states, offering listeners a valuable resource for navigating this legal landscape. Adding an intriguing layer to the episode, both Chantal and William share their perspectives on the flat-earth theory, and the podcast takes a final position on this contentious debate!

This episode also shines a spotlight on Barry Zalma's "The Compact Book of Adjusting Property Claims – Fourth Edition," released on January 2, 2024. This invaluable resource, available in Kindle, paperback, and hardback formats, provides updates, clarifications, and additional material crucial for both the seasoned adjuster and the insurance coverage lawyer. It serves as a primer for first-party property adjusters, emphasizing the policyholder's responsibility to present a sworn proof of loss within a stipulated timeframe—a principle underscored by a century of legal precedent.

Get your copy here:

Kindle E-book

Paperback

Hardcover

Whether you're a professional in the insurance industry eager to expand your knowledge or a newcomer intrigued by the complexities of insurance claims, this episode offers deep insights and engaging discussion on topics that significantly impact the field.

Tune in to "The Art of Adjusting® Podcast" for a blend of historical anecdotes, legal expertise, and practical advice designed to inform and inspire insurance professionals and enthusiasts alike.

Questions about this episode? Shoot me an email at wauten@auten.claims

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In this episode we discuss the complex intersection of artificial intelligence (AI), deepfake technology, and cybersecurity within the insurance claims handling process. Our distinguished panel, including Chantal Roberts, William Auten, and Sean C. Griffin, addresses the escalating threat of voice impersonation and email scams powered by AI. There is an urgent need for enhanced vigilance and sophisticated verification methods to thwart financial fraud from bogus invoices and wire instructions.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

This episode examines the intricacies of adjusting cyber claims, detailing the investigative steps required to accurately assess incidents and the varying challenges presented by different cybersecurity breaches. The potential for AI-driven bias in claims adjusting is analyzed, with a focus on ensuring that such technologies are managed with transparency and accountability to prevent discriminatory practices.

This discussion addresses the shifting dynamics of insurance fraud, underscored by the emergence of deepfake technology and its implications for the industry. The conversation also covers the critical aspects of cybersecurity insurance and the limitations faced by current policies in effectively responding to cyber incidents.

Sean C. Griffin shares insights into his forthcoming speaking engagements, and for more information check out Mr. Griffin’s upcoming events here:

FDCC Winter Meeting in Florida: The Federation of Defense & Corporate Counsel Winter Meeting

Sean C. Griffin on LinkedIn for additional cybersecurity advice: Sean C. Griffin's LinkedIn

For anyone involved in insurance claims or interested in the evolving role of AI in cybersecurity, this episode provides crucial strategies and knowledge to navigate the challenges at the confluence of technology and insurance fraud.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Looking for a job as a liability claims adjuster? Click Here!

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In this episode of The Art of Adjusting® podcast, Chantal Roberts and William Auten dive into a topic that doesn't get enough attention in the insurance adjusting world: mental health. They're joined by Brandon Cabrera, and together, they shine a light on the stress that comes with the job and share some smart ways to take care of yourself.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

The episode starts with everyone agreeing that being a claims adjuster is tough. Chantal, William, and their guest Brandon share their own stories, showing just how hard it can be, from dealing with angry clients to handling the heavy emotions that come with big disasters. They also agree that it's time to normalize discussions about mental health in the claims industry, in the same way that people talk about staying physically fit.

They go on to talk about how hard it can be to juggle work with your personal life, especially when you're in a high-stress job. They talk through the ins and outs of handling claims, especially when major events like hurricanes happen, and how it really tests your mental toughness.

Brandon shares how he stays connected with other adjusters, and Chantal suggests joining local groups or associations to find support and understanding from people who know what you're going through.

They also touch on how work-life balance has changed, especially since the COVID-19 pandemic, with William pointing out that not as many people go to after-work events anymore. But on a brighter note, Brandon shares how he's found a great support network online, especially on "X" aka Twitter.

The discussion shifts to their favorite ways to unwind and relax. The hosts share their own go-to activities, like exercising and gardening, and highlight how important it is to have good habits, like eating well, spending time outdoors, and setting boundaries to protect your personal time.

Episode #34 is more than just a chat. It's a lifeline for adjusters, reminding everyone in the field that taking care of your mental health and practicing self-care aren't just nice ideas—they're essential for a long and successful career.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Looking for a job as a liability claims adjuster? Click Here!

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In this episode, Bill and Chantal explore the critical skill of statement taking in claims adjusting, highlighting its importance in both 1st party property losses and 3rd party liability claims.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

Our discussion begins by exploring the important role of statements in the claims process, emphasizing the need for accuracy and detail in constructing reliable narratives of events. We then shift our focus to techniques for effective statement taking. Here, we share best practices for preparing and creating a conducive environment for the interviewee. We discuss the phrasing of questions and the art of active listening, stressing the importance of capturing not just the facts, but also the subtle details of each statement.

Addressing the challenges in taking statements, we discuss common obstacles such as dealing with reluctant or uncooperative claimants, handling discrepancies, and navigating the ethical considerations crucial to the process. The conversation extends to the comparison of recorded versus signed statements, covering their pros and cons, legal considerations, consent issues, and how technology is changing the landscape of statement taking.

In our real-world scenarios and best practices segment, we share anecdotes and case studies that illustrate how these best practices are applied in actual scenarios. This segment provides valuable lessons from these experiences, emphasizing their practical applications.

We conclude the episode by summarizing the key takeaways, encouraging our listeners to apply these insights in their roles as adjusters. We also provide a sneak peek into our next episode of The Art of Adjusting® Podcast. Join Bill and Chantal on this informative journey as we explore the art and intricacies of statement taking in the dynamic field of claims adjusting. This is rated "E" as there is some profanity.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Welcome to The Art of Adjusting® Podcast where our hosts Chantal and William dive into insurance claims and legal challenges. In this episode, we’ll discuss the nuances and complexities that insurance adjusters face, especially concerning bad faith lawsuits and adhering to the Unfair Claims Practices Act.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

Why listen to this episode? That is easy! You will learn about the potential pitfalls in claims handling, from the importance of understanding policy language to the necessity of conducting thorough investigations. We’ll emphasize the significance of honest, prompt, and effective communication and the need for adjusters to be mindful of their actions and statements to avoid legal repercussions.

The episode covers a range of topics, including the process of sending out reservation of rights letters, navigating property damage claims and liability issues, and the critical nature of making accurate liability decisions to prevent bad faith claims. The discussion also touches on the role of empathy and clear communication with insured parties, the implications of inaccurate liability decisions, and strategies to ensure fair dealings with policyholders and claimants.

Join us for this episode as we explore strategies to navigate the legal landscape of insurance adjusting, understand the implications of the Unfair Claims Practices Act, and learn how to approach claims with fairness and integrity. Whether you're an industry veteran or new to the field, this episode provides a guide to safeguarding against bad faith allegations.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Looking for a job as a liability claims adjuster? Click Here!

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In this holiday episode of our podcast, we undertake fascinating discussion on legal matters with a sprinkle of holiday whimsy. Join our hosts, Chantal and William, as they navigate the world of closed captioning before welcoming a special guest, Donna Meehan, a distinguished partner at Cosmich, Simmons & Brown, PLLC in Jackson, Mississippi.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

Donna brings a wealth of expertise in various legal fields, including mass toxic tort litigation, commercial litigation, and workers' comp business in Mississippi. We brought her in for today’s discussion, because she also serves as corporate counsel for Santa Claus, Inc., a position that adds a unique twist to our conversation.

The episode covers a wide range of topics:

• Legal Distinctions Between Robbery, Burglary, and Theft: Donna explains the differences between these terms, providing insights into their legal implications and how they relate to a class-action lawsuit filed against Santa Claus.
• Santa Claus Lawsuit Defense Strategies: We dissect a peculiar lawsuit filed against Santa Claus. Discussions revolve around defense strategies against allegations involving coal threats and unlawful surveillance. The mythical figure Krampus also makes an appearance in this dicussion.
• Santa Claus Existence Dispute: A potential lawsuit questioning Santa's existence sparks a lively debate. Donna highlights legal perspectives on property entry and the relevance of invitations extended to Santa Claus, comparing it to a real Federal Government recognition case.
• Cookies, Beverage, and Bedtime Discussion: A lighter segment where William recounts the placement of cookies and possibly milk by the Christmas tree, and whether the disappearance of these items constitutes a theft.
• Santa Claus Lawsuit Discussion: We take a closer look at a lawsuit alleging Santa caused damage to carpets by tracking in soot. The group discusses the lack of evidence and the exaggerated damage claims.
• Class Action Lawsuit and Legal Insights: The episode concludes with Donna sharing her passion for law and justice. She extends an invitation to listeners for case discussions, and she can be reached directly at 601-519-0324 or 601-668-6076.

This episode is a blend of legal education and holiday cheer, offering a unique perspective on how the law intersects with the most magical time of the year. Tune in for an enlightening and entertaining journey through the corridors of legal expertise with a touch of festive spirit!

Questions about this episode? Shoot me an email at wauten@auten.claims

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In Episode 30 of The Art of Adjusting®, Chantal and William explore the relationship between insurance agents and adjusters. This discussion, inspired by a colleague’s email about a conversation between an agent and an adjuster, focuses on essential skills in the insurance industry.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

Chantal, using her expertise and research for her upcoming book, explains the roles of these professionals in the insurance industry. William highlights the need for clear, respectful communication for professional relationships, particularly with difficult policyholders.

They discuss communication in the insurance sector, offering advice on writing emails and making effective calls, with an emphasis on active listening for dispute resolution. They talk about recognizing and handling escalating conflicts and advocate for constructive solutions.

Much of the episode covers collaborative decision-making in coverage disputes. Chantal and William discuss the challenges in coverage decisions and the importance of sharing information and respecting the varied experiences and expertise involved.

Later, the episode shifts to building better partnerships in the industry. The hosts suggest ways to improve interactions and stress the importance of mutual understanding for collaboration. They also mention how companies can foster respect through training and recognizing good teamwork.

The talk concludes with a summary of the main points, encouraging respect and teamwork in the industry, and invites listener feedback. This episode offers insights into claims handling and the importance of communication and partnership between insurance adjusters, agents and brokers in the insurance industry.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Join us for this heartfelt and insightful podcast episode that discusses the unique experiences of insurance adjusters during the Thanksgiving season. In this special Thanksgiving edition, hosts Bill and Chantal share their personal stories and challenges of working on this family-centric holiday. They explore the balancing act of managing work responsibilities with the festive spirit of Thanksgiving, offering a rare glimpse into the often-overlooked world of insurance professionals.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

Throughout the episode, the conversation weaves through various themes — from the aroma of turkey in the air to the complexities of handling insurance claims during the holidays. The hosts discuss the importance of self-care and maintaining mental health in a high-stress job, emphasizing the role of gratitude and positive thinking in their daily lives.

Listeners will find a mix of humor, practical advice, and relatable anecdotes, making "Stuffing, Stress, and Self-Care" not only a reflection on the demands of their profession but also a celebration of resilience and the small joys that make working on Thanksgiving worthwhile. Whether you're an insurance nerd, someone curious about the industry, or just looking for a cozy, thoughtful listen during the holidays, this episode is sure to resonate and provide a fresh perspective on Thanksgiving.

Questions about this episode? Shoot me an email at wauten@auten.claims

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"Subrogation Simplified" is part of our podcast series designed to foster education and dialogue among professionals across the insurance industry. With a special focus on claim professionals, we aim to explore the various facets of insurance to enlighten, inform, and provoke thoughtful discussions.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

This episode zeroes in on the concept of subrogation—a critical component in the insurance claims process. We start by demystifying subrogation, explaining its definition, and discussing the circumstances that lead to its occurrence. Whether you're a newcomer to the field or a seasoned expert, this segment will refresh your understanding and highlight the importance of subrogation.

We then guide you through the meticulous steps involved in the subrogation process. Listeners will gain insight into the role of the adjuster in covering the policyholder's claim and the legal nuances to consider, such as compliance with the Unfair Trade Practice Acts (UTPA). The episode also outlines the best practices for interacting with the at-fault party and managing the procedural aspects of claims recovery.

Additionally, we address the complexities that arise when you are presented with a subrogation demand. From initial discovery to investigative procedures and making crucial coverage and liability decisions, we provide practical tips to navigate these challenges effectively.

Join us on "Subrogation Simplified" as we provide you with the tools and knowledge to excel in the ever-evolving insurance landscape. Each episode, including this one, is an invitation to enhance your professional acumen and engage with a community of peers dedicated to excellence in the field of insurance.

For more resources, check out www.theartofadjusting.com/resources.

Questions about this episode? Shoot me an email at wauten@auten.claims

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Welcome to the The Art of Adjusting® podcast, where your hosts Bill Auten and Chantal Roberts take you on a journey through the fascinating world of insurance claims. In this episode, we're diving headfirst into the autumn season and how it can have a significant impact on insurance claims.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

As the leaves begin to change and the weather shifts, insurance claims can be affected in various ways. Join us as we explore the following topics:

The Fall Weather Factor: We'll discuss how the transition to fall and its ever-changing weather patterns can lead to a surge in insurance claims.

Roofing Challenges: With leaves, rain, snow, and ice accumulating on rooftops, it becomes increasingly difficult to inspect and maintain them. We'll explore the issues this poses for homeowners and insurers alike.

Leaf-Clogged Gutters: Discover how gutters filled with fallen leaves can result in leakage problems and worsen the occurrence of ice dams, potentially leading to more claims.

Windy Woes: Fall is notorious for its gusty winds, and we'll explain how these windstorms can cause damage to buildings and properties during this season.

Rain and Wind Combo: We'll dive into the double trouble of rain and wind, which can create problems like uprooted trees when heavy rains soften the ground and strong winds topple them.

Hazards on the Ground: It's not just property damage we'll discuss; we'll also shed light on how leaves littering the road or paved surfaces can create liability hazards for vehicles, motorcycles, bicycles, and pedestrians.

Nutty Situations: Stay tuned as we explore the unexpected tripping and stumbling hazards caused by falling nuts, particularly large and hard ones like walnuts.

Cracking the Ice Dam Code: Delve into the intricacies of ice dam claims and how they are covered under different insurance policy forms. We'll provide insights to help you navigate this specific challenge during the fall season.

Throughout the episode, we'll share valuable insights and practical prevention ideas to help you navigate the challenges of insurance claims during the fall season. Whether you're an insurance professional, a homeowner, or simply curious about the intricate world of insurance, this episode is sure to provide you with knowledge and tips you won't want to miss.

Join Bill Auten and Chantal Roberts as they unravel the mysteries of fall insurance claims on the The Art of Adjusting® podcast. Tune in now to stay informed and prepared for the seasonal shifts that can impact your insurance needs.

Questions about this episode? Shoot me an email at wauten@auten.claims

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We are thrilled to announce the rebranding of your favorite source of insurance wisdom: the Daily Claims Podcast is now becoming "The Art of Adjusting® Podcast" (TAoA). With a fresh new look and name, TAoA aims to continue enlightening its audience with the depth and intricacies of the insurance claims industry.

Learn more about our services at Auten Claims and gain insights from CMR Consulting by visiting CMR Consulting. Additionally, don't miss out on Chantal’s insightful book, Art of Adjusting®, available now.

In this episode, explore:

Understanding MIST Claims: Learn what MIST claims, standing for 'Minor Impact Soft Tissue', entail in the insurance world. These are specific auto accident claims with minimal visible damage and soft tissue injuries.

Criteria for Minor Impact: Bill and Chantal elucidate what constitutes a 'minor impact', clarifying the criteria for this classification in auto accidents.

Navigating Soft Tissue Injuries: Understand the challenges of convincing a jury about the severity of soft tissue injuries when evidence is minimal.

Handling of MIST Claims: Discover how MIST claims are processed from experienced adjusters' perspectives. The 'MIST' tag often leads to lower settlement offers due to perceived insignificance by adjusters.

Potential Bad Faith Issues: The hosts shed light on the risks of inaccurate injury claim labeling, highlighting the importance of accuracy to avoid bad faith issues, supported by real-life examples.

Thorough Investigations: The episode concludes by emphasizing the necessity of detailed investigations for each MIST claim to ensure fair and accurate classification and settlement.

Bill and Chantal are ready to guide listeners through the complex world of insurance claims adjustment, providing clarity on MIST claims in this insightful episode.

Questions about this episode? Shoot me an email at wauten@auten.claims

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The Adjuster's Journey: A Deep Dive into the Life and Challenges of an Independent Adjuster

Embark on a behind-the-scenes journey into the life of an independent adjuster. This episode unravels the essence of their role, the unique challenges faced daily, and the rewards that come with it. Whether you're an industry novice curious about this vital profession or an experienced adjuster seeking shared experiences, we delve into the required emotions, ethics, and expertise. We'll debunk common myths, offer tips for those looking to join the industry, and celebrate the unsung heroes who play a pivotal role in the insurance world.

Questions about this episode? Shoot me an email at wauten@auten.claims

Job hunting? Get more interviews!

For managers and supervisors, we've created a comprehensive paper, "Defense Secrets: Insights on Injury Attorneys," specifically tailored for insurance adjusters. This must-read resource equips you with invaluable insights and strategies to navigate interactions with injury attorneys effectively. Learn their tactics, master negotiation skills, and discover proven dispute-resolution methods. You can download it here!

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Welcome to Episode 24 of "The Daily Claims Podcast" In this enlightening episode, we embark on a focused journey into two pivotal scenarios that shape business income claims. If you're a claims expert seeking clarity on these intricate aspects, this episode is your compass to skillful navigation.

Segment 1: Unraveling Covered Property Damage Income Loss

The first segment dissects the intricate interplay between property damage and income loss. Join us as we unveil the essence of "Business Income" and decode the significance of "Net Income" – the bedrock of income loss computation. Delving further, we demystify "Continuing Normal Operating Expenses" (CNOE) – those steadfast financial commitments that persist even amidst chaos. Through captivating case studies, we illuminate scenarios where property damage disrupts business operations, leading to income loss. Prepare to gain profound insights into the unique claim dynamics triggered by covered property damage.

Segment 2: Mastering Continuing Normal Operating Expenses (CNOE)

Our second segment thrusts you into the heart of Continuing Normal Operating Expenses (CNOE). Uncover the intricacies of payroll costs, lease payments, utility charges, and more – critical elements that define CNOE. Sharpen your skills in distinguishing eligible expenses from those outside the coverage umbrella. Navigate the labyrinth of CNOE calculation with our expert guidance, avoiding common pitfalls that can cloud accurate assessment. Whether you're a seasoned claims professional or an emerging talent, this segment empowers you to champion businesses' rightful compensation for ongoing expenses during tumultuous times.

Segment 3: Unveiling Negligence-Related Business Income Claims

Dive into our third segment, where we shed light on a distinct realm of income loss – negligence-related claims. Embark on a journey through the legal intricacies of negligence-induced incidents and their ripple effect on business income. Witness the divergence from conventional property damage claims as we explore liability, negligence, and the nuanced process of attributing responsibility. Through compelling case studies, we unravel the intricacies of evaluating business income loss in these unique circumstances. Equip yourself with the insights needed to navigate the uncharted waters of negligence-related business income claims.

Join us in Episode 24 of "The Daily Claims Podcast," as we delve into these pivotal segments. Whether you're an adept claims adjuster, an insurance professional, or anyone entrusted with managing commercial property insurance claims, this episode equips you with the expertise to navigate diverse income loss scenarios. Tune in for illuminating discussions, real-world examples, and practical strategies that elevate your proficiency in managing these critical claims scenarios.

Job hunting? Get more interviews!

For managers and supervisors, we've created a comprehensive paper, "Defense Secrets: Insights on Injury Attorneys," specifically tailored for insurance adjusters. This must-read resource equips you with invaluable insights and strategies to navigate interactions with injury attorneys effectively. Learn their tactics, master negotiation skills, and discover proven dispute-resolution methods. You can download it here!

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In today's episode, we continue our conversation with Steve Frattare, a seasoned claims adjuster and the owner of Cornerstone Claims Service in Rochester, NY. We'll explore coverage issues, including reservation of rights letters, non-waiver agreements, and declaratory judgments.

Join us on the Clubhouse app every other Tuesday, where Chantal Roberts and Bill Auten lead "The Art of Adjusting," a platform where we delve into various exciting insurance topics.

If you want to become a claims adjuster, head to Facebook and search for the Adjuster Manuals Facebook group. It's a valuable community for newcomers, offering helpful posts, training opportunities, and licensing coursework with a PASS guarantee.

For independent adjusting services, visit www.auten.claims. If you want to work as an independent liability adjuster, go to www.auten.claims/fqs and fill out the "skills assessment" form. We'll promptly get in touch with you.

Thank you for tuning in to the Daily Claims podcast, and stay tuned for more engaging discussions and valuable resources.

We've created a comprehensive paper, "Defense Secrets: Insights on Injury Attorneys," specifically tailored for insurance adjusters. This must-read resource equips you with invaluable insights and strategies to navigate interactions with injury attorneys effectively. Learn their tactics, master negotiation skills, and discover proven dispute-resolution methods. You can download it here!

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Today, we are pleased to interview a remarkable guest, Steve Frattare, the owner of Cornerstone Claims Service in Rochester, NY. This is Part 1 of a two-part series.

With a career spanning since 1980, Steve's journey in the insurance claims business began as a community organizer before transitioning into a role where he interviewed life insurance candidates. Additionally, he gained valuable experience by conducting home inspections to determine replacement costs, dedicating one year to this pursuit.

One day, Steve stumbled upon another job advertisement, although he couldn't recall his initial motive for job hunting. Then, someone at the NY State Department of Labor suggested he explore a career as a claims adjuster.

Back in 1980, technology was vastly different. Steve relied on pay phones and later fax machines for communication. However, the most significant change he has witnessed throughout his extensive career is the advent of the internet, which revolutionized access to information. The ability to obtain public information and locate individuals online has had a tremendous impact.

When it comes to aspiring young adjusters, Steve emphasizes the significance of strong communication skills, a natural curiosity for investigating incidents, empathy, and analytical thinking.

According to Steve, technology has fundamentally altered how people interact with each other. However, he firmly believes in-person interactions remain crucial in the claims-handling process. Because of technological advancements, the changes in human interactions may be here to stay, requiring us to adapt and navigate accordingly.

The evaluation of a claim is a delicate matter. Factors such as medical history and liability play significant roles in valuation. Steve's best advice for assessing the value of a particular settlement is to refer to historical settlement data. Lost wages, medical bills, and other documented costs also play vital roles in valuations for injury claims.

We invite you to listen to the podcast and enjoy the conversation firsthand. Additionally, don't miss the opportunity to explore our comprehensive white paper, "Defense Secrets: Insights on Injury Attorneys." This resource offers exclusive insights into the challenges faced by claims adjusters, along with invaluable techniques to navigate the complexities of dealing with injury attorneys. If you require assistance or guidance in handling or advising labor law cases, don't hesitate to contact Auten Claims Management at 585-454-8094. Prepare to unlock the investigation secrets and embark on a journey toward uncovering the truth in liability claims.

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In this educational episode, we delve deep into the art of investigation and explore the intricate process of uncovering the truth in liability claims. Join us as we unravel the strategies, techniques, and ethical considerations in conducting thorough investigations. From understanding different types of evidence to mastering investigative techniques, we provide valuable insights to empower claims adjusters, legal professionals, and anyone interested in liability claims. Discover how effective communication, meticulous attention to detail, and a commitment to ethical standards are pivotal in achieving successful outcomes. Plus, don't miss the opportunity to explore our comprehensive white paper, "Defense Secrets: Insights on Injury Attorneys," where you can gain exclusive insights into the challenges claims adjusters face and learn invaluable techniques to navigate the complexities of dealing with injury attorneys. If you require assistance or guidance in handling or advising any labor law cases, please contact Auten Claims Management at 585-454-8094. Get ready to unlock the secrets of investigation and embark on a journey towards uncovering the truth in liability claims. 

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Welcome to "The Claims Process: Handling Insured Entities and Attorneys," a podcast that provides valuable insights and strategies for understanding and successfully managing the claims process. Whether you are dealing with an insured entity or an attorney, this podcast will equip you with the knowledge and tools to navigate the complex world of insurance claims.

We will dive into the responsibilities of insured entities in the claims process, offering tips on how to communicate effectively to ensure a smooth and efficient experience. We will emphasize the benefits of proactive involvement and cooperation from insured entities, leading to more favorable outcomes.

Additionally, we will shed light on the partnership between ACM and attorneys, highlighting the importance of open communication and a clear understanding of attorney directives. You will gain insights into how ACM supports attorneys with investigative materials and expertise, ultimately bolstering their ability to defend claims effectively.

Effective claims management is a key aspect we will explore in this podcast. We will stress the significance of open and transparent communication among all stakeholders involved and the value of conducting thorough investigations that consider all sides and gather relevant evidence. Throughout the discussions, we will emphasize the importance of professionalism, expertise, and ethical practices in the claims process.

Settlements play a crucial role in claims management, and we will provide strategies for recommending fair and reasonable settlements. We will also delve into minimizing disruption and inconvenience to insured entities during the settlement phase, exploring approaches that ensure a positive experience for all parties involved. The benefits of timely settlements and their impact on the claims management process will also be highlighted.

Check out our comprehensive white paper, "Defense Secrets: Insights on Injury Attorneys." In this white paper, you will be able to gain insights into the challenges faced by claims adjusters and learn how to navigate the complexities of dealing with injury attorneys.

If Auten Claims Management can ever be of service in handling or advising any labor law cases, please feel free to contact us right away at 585-454-8094.

Join us on "Navigating the Claims Process: Tips for Insured Entities and Attorneys" and empower yourself with the knowledge and strategies needed to navigate the complexities of insurance claims effectively.

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In this episode, we explore our recent blog post, which examines how insurance companies can prepare for the rise of Gen Z professionals. As Baby Boomers retire and Gen Xers hold key positions, understanding and adapting to Gen Z individuals' unique traits and expectations is crucial for long-term success.

Join us in this episode as we delve into the motivations, skills, and technological expertise that define Gen Z professionals. Discover effective strategies for bridging the generational gap, creating inclusive work environments, and leveraging technology to drive innovation. Explore how insurance companies can attract, integrate, and retain the next generation of Gen Z talent, ensuring a prosperous future for the industry.

Don't miss out on valuable insights and actionable advice! Tune in to the "Navigating Generational Shifts" podcast and gain a competitive edge in the evolving insurance landscape. Plus, check out our recent blog post for further details on preparing for Gen Z professionals in the insurance sector.

Additionally, claims managers and claims directors are invited to explore our white paper, "Defense Secrets: Insights on Injury Attorneys." This comprehensive resource provides valuable insights and practical advice to navigate the challenges injury attorneys pose. Gain a competitive edge, strengthen your defense strategies, and protect the best interests of your clients and the insurance industry. Check out the white paper to unlock the defense secrets to propel you toward success.

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We all thought hurricane season would be a bust for property adjusters. Then Ian came along, and as of today's recording, the damage appears to be widespread and severe.

Losses to homes and commercial structures will be significant. In this episode, we will focus on handling commercial property losses and how they differ from homeowner claims.

ADJUSTER TRAINING

Check out Chantal Roberts at www.theartofadjusting.com.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Today we are "flying solo" in our discussion of drone usage for claims adjusting. Drones have grown immensly in thier popularity, but there are dangers associated with drone operation. Additionally, you must be certified with the FAA to use a drone for commercial purposes.

Inspections can be done with a drone, and we'll talk about whether or not drone usage is optimal for proper inspections. We'll also talk about drone safety and risk management for drone usage.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Here is Part 2 of our depreciation discussion, where we talk with claims expert and educator Chantal Roberts, author of The Art of Adjusting. The discussion involves a spirited debate over certain depreciation methods and whether labor should be depreciated when preparing a property damage estimate. If you missed Part 1, check out Episode #14!

Click here For more information on how different states address depreciation issues.

ADJUSTER TRAINING

Check out Chantal Roberts at www.theartofadjusting.com.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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In this episode, we talk with claims expert and educator Chantal Roberts, author of The Art of Adjusting. The discussion involves a spirited debate over certain depreciation methods and whether labor should be depreciated when preparing a property damage estimate. Stay tuned for Part 2 of this interesting discussion!

Click here For more information on how different states address depreciation issues.

ADJUSTER TRAINING

Check out Chantal Roberts at www.theartofadjusting.com.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Today is the second part of our conversation with Claims Expert Kevin Quinley. Mr. Quinley is the principal of Quinley Risk Associates based in Richmond, Virginia.  He has been involved in the claims industry for 40 years with experience in claims management and litigation management. He is known for his presentation skills, having given over 300 presentations at insurance, risk management and legal conferences. To learn more about Mr. Quinley, be sure to visit his website at www.kevinquinley.com

In this episode we cover precedence in bad faith, the role of education in the claims profession, and the role of technology in the customer service aspect of a claims department.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Today is the first part of our conversation with Claims Expert Kevin Quinley. Mr. Quinley is the principal of Quinley Risk Associates based in Richmond, Virginia.  He has been involved in the claims industry for 40 years with experience in claims management and litigation management. He is known for his presentation skills, having given over 300 presentations at insurance, risk management and legal conferences. To learn more about Mr. Quinley, be sure to visit his website at www.kevinquinley.com

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Today we’ll be talking with Barry Zalma and Chantal Roberts. Barry Zalma is an internationally recognized expert on insurance, claims, handling insurance, coverage, insurance fraud, and insurance bad faith. He has more than 53 years of practical insurance claims experience as a claims person and insurance coverage lawyer to serve those facing an insurance claim or coverage dispute. Barry has a plethora of learning. Re Barry has a plethora of learning re-up; let’s say Barry has a plethora of learning opportunities for adjusters, such as daily blogs on LinkedIn, Insurance 101 video training, and several books. You can find him on www.zalma.com

Our other guest today, Chantal Roberts, is the author of The Art of Adjusting, Writing Down the Unwritten Rules of Claims Handling. Chantal's background also includes educating claims departments and overseeing adjuster training. She routinely speaks at continuing legal education credit events and universities, discussing claim handling practices, standards, and procedures. To find out more about Chantal visit www.theartofadjusting.com.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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So today is story time! I'll be talking about a farmer, two carpenters, and a bull and how all those individuals and animals relate to dog bite claims in New York state.

For this story you can reference two important cases here:

Larry Bard v Reinhardt Jahnke

Andrea Collier v Charles Zambito

Don’t forget to hit that subscribe button quickly, and tell all of your adjuster friends to check this out.

Join Chantal Roberts and Bill Auten on the Clubhouse app every other Tuesday, where we head up to The Art of Adjusting and discuss all kinds of exciting insurance topics.

For anyone interested in becoming a claims adjuster go to Adjuster Manuals, you will also want to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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One of the most common complaints I get from new or aspiring adjusters is that every time they look at a job listing, it says they need experience. This is common, even for entry-level jobs! Many job postings also state that a Bachelor’s degree is required. So, how do you overcome these challenges if you don’t have any job experience as a claims adjuster or if you don’t have a Bachelor’s degree? That is what we will talk about today!

If you want your resume reviewed for your job search, send it to insuranceadjustersalary@gmail.com.

Don’t forget to hit that subscribe button quickly, and tell all of your adjuster friends to check this out.

Join Chantal Roberts and Bill Auten on the Clubhouse app every other Tuesday, where we head up to The Art of Adjusting and discuss all kinds of exciting insurance topics.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Today's episode focuses on two of the most common questions from social media regarding how to become an adjuster. The first question is “Where do I start?” and the second is “How can I find a mentor?”

We’ll address both of those questions here and compare the following careers to that of a claims adjuster:

• Construction
• Law enforcement
• Nursing
• Paralegal
• Notary
• Writers
• News/Media
• Photography
• Accounting
• Automobile repair
• Agriculture
• Heavy equipment
• Aviation
• Real Estate
• Home inspectors

We’ll also cover licensing, and the fact that NY is reciprocal with the following states:

• Alaska
• Arizona
• Arkansas
• Georgia
• Idaho
• Kentucky
• Louisiana
• Maine
• Michigan
• Minnesota
• Mississippi
• Montana
• Nevada
• New Hampshire
• New Mexico
• Rhode Island
• South Carolina
• Texas
• Utah
• Vermont
• West Virginia

If you want your resume reviewed for your job search, send it to insuranceadjustersalary@gmail.com.

Don’t forget to hit that subscribe button real quick, and tell all of your adjuster friends to check this out as well.

Join Chantal Roberts and Bill Auten on the Clubhouse app every other Tuesday, where we head up to The Art of Adjusting and discuss all kinds of exciting insurance topics.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Here is another episode covering all lines of insurance. We talk with claims expert and educator Chantal Roberts, author of The Art of Adjusting. This recording was derived from our Clubhouse episode on July 12, 2022, where we discussed all things related to waiver, estoppel, non-waiver agreements, and reservation of rights letters (RORs)

Check out Chantal Roberts at www.theartofadjusting.com.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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We’ll call this episode topic an “All-Lines” subject. Today we’ll talk about mentorship in the claims business. Whether you are a new or an experienced adjuster, you might know something that the person sitting next to you does not yet. 

Watch for times where someone might need your help, and if you can, and if appropriate, see if you can lend them a hand and show them the way. Having been on the receiving end of such help throughout my career has taught me the best lesson of all: to pay it forward. 

This episode is dedicated to the memory of Michael S. O’Shei, 1959-2022

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Today's episode is property claims and more specifically we talk about Xactimate. This estimating platform is often compared to Simsol and Symbility, and many building estimating gurus feel that Xactimate is not appropriate for certain complex losses.

We'll push back on this today and discuss how to use Xactimate for complex losses with specialty trades or materials, even when there are no line items within the system to use.

Hit that subscribe button real quick, and tell all of your adjuster friends to check this out as well.

Join Chantal Roberts and Bill Auten on the Clubhouse app every other Tuesday, where we head up The Art of Adjusting and discuss all kinds of exciting insurance topics.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework with a PASS guarantee.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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In this episode, you will hear our hot take on recent news stories about workers’ compensation insurance. The first one is a proposed New York state law causing a bit of a dust-up in Albany. The proposed legislation provides additional benefits for milder injuries and makes an injured worker's ability to seek additional benefits easier.

The second story will be about COVID 19 and workers’ compensation. When an employee gets COVID-19, it can be tough to prove that they got it at work; almost impossible. However, it's also impossible to prove that they didn't. We’ll talk about how state laws are addressing this conundrum.

We will also talk about intergovernmental immunity and how that relates to a decommissioned nuclear facility near the Columbia River in Washington State.

Finally, we'll wrap it up with the Supreme court's take on medical cannabis for workers’ compensation claims and what they did (or didn’t do) to address the issue.

Hit that subscribe button real quick, and tell all of your adjuster friends to check this out as well.

Join Chantal Roberts and Bill Auten on the Clubhouse app every other Tuesday, where we head up The Art of Adjusting and discuss all kinds of exciting insurance topics.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework with a PASS guarantee.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Centralized claims operations are commonplace in today's insurance market. Insurance carriers tend to utilize independent agencies. These independent agencies are strewn across a large geographical area. Most often, this area is larger than the insurance company can staff. Since independent agents are covering this immense territory, it only makes sense that independent adjusters should also be able to assist with claims across this territory.

In this episode, we talk about the advantages of using independent adjusters to ensure that you have feet on the ground at the side of the incident to obtain all of the vital information needed to make an accurate decision regarding your liability claims.

Hit that subscribe button real quick, and tell all of your adjuster friends to check this out as well.

Join Chantal Roberts and Bill Auten on the Clubhouse app every other Tuesday, where we head up The Art of Adjusting and discuss all kinds of exciting insurance topics.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework with a PASS guarantee.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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Today we talk about Assignment of Benefits Agreements, commonly referred to as an AOB. They are used across automobile and property claims and it is a first-party property agreement with a vendor. An AOB allows a policyholder to assign the benefits that they would normally get under their insurance policy to a third party. This allows that third party to make an insurance claim on their behalf.

We’ll also talk about how these AOBs are used by windshield repair companies and attorneys to make inflated claims against insurance companies.

More information regarding these practices can be found HERE.

Hit that subscribe button real quick, and tell all of your adjuster friends to check this out as well.

Join Chantal Roberts and Bill Auten on the Clubhouse app every other Tuesday, where we head up The Art of Adjusting and discuss all kinds of exciting insurance topics.

For anyone interested in becoming a claims adjuster, you will need to get on Facebook and search for the Adjuster Manuals Facebook group. You will find helpful posts for anyone new to adjusting, including training opportunities and licensing coursework with a PASS guarantee.

For independent adjusting services, go to www.auten.claims, and for anyone interested in working as an independent liability adjuster, go to www.auten.claims/fqs and scroll down to the “skills assessment” button to fill out your information. We’ll get back to you right away.

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In this episode, we'll talk about a Florida decision that allows policyholders to make video recordings of insurance adjusters as they inspect the damage to their property.

If you're an adjuster, how would you feel about a policyholder walking around recording every move you make? Why would they do this? What should you do if they pull out a camera? We will answer all these questions and more in this episode.

If you need claims adjusting services, visit our website at www.auten.claims, and if you are an adjuster looking for work as a liability insurance adjuster, go to www.auten.claims/fqs and scroll down to the "skills assessment" button, and we'll get back to you right away.