Insurance news and updates:
Happy New Year!!
Here is to helping many more Families and Business Owners reach a fair settlement on their
We wanted to thank the creative team at Lamar for creating a billboard that expresses our mission to reach fairness for our clients whenever they experience an insurance claim that is underpaid or wrongfully denied.
Business Interruption Claims
If you experience a Business shutdown related to a covered loss, we work with you and your
insurance company to reach a settlement that includes all lost profits and extra expenses.
We have prepared Business Interruption claims and assisted restaurants, hospitals, property managers,
landlords, recycling businesses and more, recover the lost revenue that could not be derived from actual sales
and that are covered under most commercial insurance policies.
Insurance news and more
Our recent post on Social Media:
November 20, 2019
Our claims are presented using Matterport and other 3D technology tools.
Our negotiation skills?
They come from a partnership with the Brazilian Air Forces, from Harvard Business School Online and other distinguished sources. Most importantly, relationships, that are created and fostered with honesty and integrity.
Over 2,000 claims resolved successfully.
If your claim is underpaid or wrongfully denied, give us a call and we will resolve it fairly for you and your family. That's our promise!
November 20, 2019
We are happy to be a Matterport official service provider serving Connecticut and New York!
For more information call us at 866-81CLAIM (25246)
November 20, 2019
Previously posted on the Merlin Law Group Property Insurance Coverage Law Blog
Before performing any repairs following a covered loss, check your policy and give us a call. Repairing the property without the appropriate steps in place can adversely affect coverage on your claim.
Insurance Claims Blog
25 MAR: GETTING THE XACTIMATE CONSTRUCTION PRICE RIGHT!
Xactimate construction price expert Steve Shannon told me that Merlin Law Group should make a seminar called, The Price is Right! I was listening to him and OSHA expert witness, Kevin Dandridge, discuss various issues of a construction worker and site safety and where those costs should show up in insurance claim estimates.
All insurance adjusters should make certain that a construction estimate is made which is legal. If a construction estimate does not have the inclusion of OSHA laws, it is an estimate of illegal construction. Insurance company adjusters should not be writing estimates which are illegal. Yet, it is common because many adjusters lack education or experience regarding OSHA laws and how construction is done.
Here is a list of some OSHA items which all contractors and subcontractors have to comply with and which insurance adjusters and estimators have to consider:
1926.20 General safety and health provisions
1926.21 Safety Training and Education
1926.23 First aid and medical attention
1926.24 Fire protection and prevention
1926.28 Personal protective equipment
Steve Shannon made a point that older versions of the Xactimate training workbook had a specific section on OSHA requirements for roofing estimates because it is so complicated. It has been removed from more current workbooks, but the line items still exist for the adjusters to add the line items. A copy of that portion of the workbook is attached.
Dandridge and Shannon have extensive experience with actual construction and practices. They told me of significant fines placed on contractors and subcontractors for not doing legal construction complying with OSHA. They emphasized the point that OSHA laws apply to residential and commercial construction.
I encourage all property insurance adjusters and their managers, whether you are a company, independent or public adjuster, to get an education on OSHA and Certification from Xactimate. Your estimates will be more accurate and reflect legal construction.
Thought for The Day
OSHA’s core mission is to ensure a safe and healthy workplace for every working man and woman in the Nation.
“The price is right”. It was created by “Chip Merlin”
08 MAR: INSURANCE BLOG
Academy of Insurance is part of Insurance Journal Company.
They offer a vast array of insurance courses and provide certification for those interested in working in the insurance field or for those who want to continue learning.
You can find more information here: https://www.ijacademy.com/members/