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When someone suffers a serious loss at their home or business, one of the first things they often think is this: "At least I have insurance." But the claims process is deviously designed to pay only pennies on the dollar for losses. Furthermore, if you take an insurance company to court, you'll find that the legal system is stacked against you. David Skipton brings his many years of claims adjusting experience to help you avoid the pitfalls in the claims process. Learn how to: recognize the tricks insurance companies play to cheat you out of money; take steps to improve your chances of enjoying a favorable outcome on a claim; and receive fair compensation in the event of an insurance payout. It doesn't matter if you own a business or a home-if you have an active claim or not-it's important to demystify the claims process. It begins by learning how to protect your best interests and learning how to play The Claims Game.
An expose of insurance injustice and a plan for consumers and lawmakers to fight it Over the last two decades, insurance has become less of a safety net and more of a spider's web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation. Jay M. Feinman, a legal scholar and insurance expert, explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. He shows that the denial of valid claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm. Citing dozens of stories of victims who were unfairly denied payment, Feinman explains how people can be more cautious when shopping for policies and what to do when pursuing a disputed claim. He also lays out a plan for the legal reforms needed to prevent future abuses. This exposé will help drive the discussion of this increasingly hot- button issue.
"Attorney Chip Merlin exposes the bad faith practices of insurance companies that take advantage of their own customers" -- Page 2 of jacket.
This is the best book you can own on the strategies YOU need to use to get the insurance companies to pay you ALL the money you are entitled to collect when you have a claim. Wouldn't you agree that nothing else matters about insurance other than getting the claim PAID IN FULL? In this book, you will learn: &ndash The games and scams insurance companies use to cut costs and keep claim payments at the lowest amounts possible &ndash When it's the right time to use an attorney &ndash How you can take control of your claim, and not allow the insurance company or claims adjuster to control YOU &ndash What a Public Adjuster is, and the valuable help you can get from Public Adjusters &ndash That the insurance adjuster is NOT there to help you &ndash and much more You will learn: &ndash What to do when you have a car accident...BEFORE you open the car door or talk to anyone &ndash How much MORE money I collected (thousands!) in the two little claims I had while writing this book &ndash About Diminished Value on automobiles, and how it can cost you THOUSANDS if you don't fight &ndash About cheap aftermarket auto parts that insurance companies LOVE, but leave you less safe &ndash And so much more Ask yourself these questions: Do you carry a spare tire and jumper cables in the trunk of your car? Do you have a toolbox at home? Have you ever bought a book or read an article that showed you how to fix something? Do you own a first aid kit? Do you have a fire extinguisher or smoke alarms in your home? Why would you do ANY of those things? Answer: So you are prepared BEFORE something bad happens. READ THIS BOOK BEFORE SOMETHING BAD HAPPENS TO YOU!!! READ THIS BOOK AFTER SOMETHING BAD HAPPENS TO YOU, TO KEEP IT FROM GETTING WORSE! This book should be on the shelf in EVERY HOME. This book should be in EVERY automobile glove box.
His common sense approach to sharing techniques on how to make you a great adjuster and providing easy to apply techniques is not seen in most books. After reading this book you will find yourself with many techniques on how to be efficient at what you do, producing great claim files while amazing your customers. His promise to just give key facts will allow anyone to use this book as a reference for years to come. What a refreshing presentation that is geared to truly helping adjusters be great, without having to sift through needless information. Danny lays out a tried and true formula for becoming a great, well rounded adjuster with a fantastic approach to adjusting claims. And Danny does it all in an excellent way that will stay with you long after you finish his book. I highly recommend that all adjusters, from the newest adjuster just entering the property insurance industry to the most experienced adjusters at the tail end of their career, take the time to read and study this outstanding book.
In order to succeed in a construction business you have to be able to mark up the price of your jobs to cover overhead expenses and make a decent profit. The problem is how much to mark it up. You don't want to lose jobs because you charge too much, and you don't want to work for free because you've charged too little. If you know how much to mark up you can apply it to your job costs and arrive at the right sales price for your work. This book gives you the background and the calculations necessary to easily figure the markup that is right for your business. Includes a CD-ROM with forms and checklists for your use.
Written by Bill Wilson, the U.S.A.'s foremost authority on insurance policy language: Practical and entertaining guide to understanding insurance policies. The culmination of a legendary career that stretches over six decades. Learn from the actual stories of thousands of real-life claims. Learn a rock-solid foundation to anchor your technical insurance knowledge. There is simply no substitute for experience, and in this book, Bill distills 50] years of insurance experience, shared with the love of an educator. Nothing destroys your customers' trust more than a bad claims experience. If you're an agent, you sell promises. Promises that somebody else (a claims adjuster) has to deliver on. That puts you in a tough situation. This book will pay for itself many times over if it helps you save a single client, and it's going to save you many customers over the years. Decades of deep, technical insurance experience distilled into a simple book It's like having a mentor who is a world-class technical expert, and at the same time, a passionate and dedicated educator. Chock full of practical examples. This is not a theoretical manual; it's a deeply practical, interesting, and entertaining read that will be useful for decades to come.
What is this book about?This book will help sharpen your senses for taking on greater challenges in your professional development. The value of this book is in setting the right growth mindset for approaching insurance repairs and developing habits that will lead you down the path of success with the resources available to you. * If you are new to estimating property damage repairs, this book will help you to form a much better understanding of the framework for clear and consistent estimates. * If you have been using working in property restoration and using Xactimate for a while but have been frustrated with poor results, this book will help you correct many of those bad habits that commonly plague poorly structured teams. * If you are an adjuster or a claims review professional, this will help you understand the estimating dynamics and will be a tool that will help you better converse with restoration professionals. ?* If one of your responsibilities is to train estimators and/or build a team, this book will help you to present the foundational information to your team members and will provide them with resources that will supplement your hands on training.
The Standards of Conduct Office of the Department of Defense General Counsel's Office has assembled an "encyclopedia" of cases of ethical failure for use as a training tool. These are real examples of Federal employees who have intentionally or unwittingly violated standards of conduct. Some cases are humorous, some sad, and all are real. Some will anger you as a Federal employee and some will anger you as an American taxpayer. Note the multiple jail and probation sentences, fines, employment terminations and other sanctions that were taken as a result of these ethical failures. Violations of many ethical standards involve criminal statutes. This updated (end of 2009) edition is organized by type of violations, including conflicts of interest, misuse of Government equipment, violations of post-employment restrictions, and travel.
It's the story the insurance industry doesn't want you to know. Now, for the first time, the story in the legal book From Good Hands to Boxing Gloves is available to the public. Find out for yourself why insurance companies are improperly denying claims, delaying them, and defending them at trial. The book takes you from the ideas which masterminded Enron, through their impact on the insurance industry, and the resulting claim denials in everything from minor auto accidents to Hurricane Katrina claims. Author David Berardinelli is the trial lawyer who diligently worked to become the first to obtain the "McKinsey Documents" unprotected. He discusses how these documents teach insurers to profit by denying policyholders "good hands" to treat them with "boxing gloves." Learn how Allstate has earned the highest profits in insurance company history during the years with our country's largest natural disasters.