2018 Regional Adjusters Conferences Topics

Property Claims Track

1. Appraisal Strategies

  1. Prepare the claims for appraisal, select participants and manage the process
  2. Anticipate and defuse problems associated with premature appraisal demands by the policyholder, including unsatisfied policy conditions
  3. Identify and implement protective strategies when coverage or policy condition issues arise during appraisal
  4. Review legal remedies available to address appraisal proceedings that go off track

2. Assignment of Benefits

  1. Review recent trends with building contractors soliciting assignment of benefits with personal and commercial line property claims
  2. Describe assignment of benefits strategies employed by public adjusters, attorneys, and real estate purchasers
  3. Evaluate what the law in various jurisdictions says about rules governing assignment of benefits
  4. Analyze adjusting strategies adjusters might consider when faced with various forms of assignments of benefits

3. Building Damage Estimating Tips for Success

  1. Identify to most difficult challenges associated with building damage estimating
  2. Review strategies to address and overcome these challenges
  3. Evaluate multiple building damage estimates for accuracy and fairness.

4. Commercial Roofing Issues

  1. Describe effective inspection procedures for various types of commercial roofs
  2. Separate storm-related damages (wind, hail, weight of ice and snow) from wear and tear and other possible causes
  3. Review repair vs. replacement options with a variety of commercial roof claims
  4. Evaluate storm-resistant qualities of various roofs (built up, EPDM, composition shingle, shake, metal, and slate).

5. Commercial Time Element: Common Pitfalls

  1. Review the various types of commercial time element coverages afforded under many common insurance policies
  2. Identify the types of losses where coverage applies
  3. Describe losses that are typically not covered by these policies
  4. Calculate covered losses in a variety of commercial time element claim examples

6. Common Coverage Issues Arising from Catastrophes (Hurricanes, Tornados, Wildfires, Floods, etc.)

  1. Anticipate the challenging coverage issues associated with major catastrophes, including hurricanes, tornados, wildfires, and floods, et
  2. Identify tools to help accurately resolve these coverage and adjustment challenges
  3. Review strategies your organization can take in responding to coverage challenges associated with future catastrophic events.

7. Desk Adjusting Skills for Property Adjusters

  1. Describe effective claim investigating techniques and communication strategies with property claims
  2. Create a helpful Time Management system to successfully handle regular and catastrophe claim loads
  3. Review effective documentation elements needed with property claims
  4. Identify resources and tools available to assist in effectively desk-adjusting residential and commercial lines claims

8. High-Tech Data Investigations with SIU

  1. Identify the types of claims where data-capture can impact overall outcomes
  2. Describe some of the new high-tech data tools now available with SIU investigations
  3. Review outside resources that can help keep adjusters "in the know" about trends and developments in this area

9. Policy Training for CP Forms

  1. Review the landscape and make-up of CP policy forms for mid-size and larger commercial insureds
  2. Describe troublesome coverage areas with a variety of claims that arise with CP policies
  3. Analyze proper adjustment approaches with claims involving multiple locations, coinsurance, water losses, property of others, valuation challenges, et
  4. Apply coverage appropriately in a variety of claim scenarios

10. Recent Property Case Law

  1. Review current case law trends and improve your ability to forecast court decisions
  2. Identify current issues and concerns in property case law
  3. Use reasoning skills to apply policy provisions in various claim scenarios

11. Scoping Large Commercial and Personal Lines Contents Losses

  1. Identify initial questions to ask after receiving notice of a large commercial or residential contents claim
  2. Describe the activities and tools the adjuster has available to accurately scope the contents loss during the initial visit to the loss site
  3. Review the types of contents issues that can sometimes "sidetrack" a large contents claim
  4. Create worksheets that can accurately scope the loss and effectively settle the claim

12. Valuation, Depreciation, Diminution of Value Challenges

  1. Review valuation protocols with a variety of policies for real and personal property
  2. Evaluate depreciation methods for accuracy and appropriateness in a variety of claims
  3. Describe diminution of value challenges in various claim scenarios

13. Water Mitigation Challenges

  1. Review the latest methodologies for accurately scoping and evaluating water damage losses in residential and commercial buildings
  2. Identify appropriate water mitigation equipment and resources needed for various loss scenarios
  3. Identify problems and solutions in working with various water mitigation firms

14. Working with Public Adjusters and Difficult Insureds

  1. Identify scenarios and areas and of potential discord in working with public adjusters or difficult insureds
  2. Locate local governing authority information regulating the licensing and conduct of public adjusters
  3. Create strategies to minimize disputes and overcome differences to effectively resolve these difficult claims

General Interest Track (Appealing to Property and Casualty Claim Professionals)

1. Cyber Claims: Exposures and Adjustments

  1. Describe current and future cyber exposures for individuals and businesses that may produce future claims
  2. Evaluate current first and third-party coverages afforded for these types of cyber exposures
  3. Identify investigation tools and resources available to help adjusters evaluate these specialty claims
  4. Identify advances in hacking and data breach protection that are coming to market

2. Ethics and Good Faith Claims Handling

  1. Describe the ethical responsibility of good faith claims handling
  2. Identify systemic approaches to improving good faith claims handling
  3. Avoid being "set -up" for bad faith
  4. Show with examples how the claim file can enhance or detract from good faith claims adjusting

3. Interviewing/ Quality Statement Skills Workshop

  1. Describe the qualities of a great interview or statement that positively impacts the outcome of a property or casualty claim
  2. Identify the ways you can encourage more adjuster curiosity and "digging for relevant facts" when taking statements or exams under oath
  3. Practice taking statements that positively affect the outcome of your claim

4. Onboarding and Coaching for Success

  1. Evaluate the onboarding experience of new hires in your organization
  2. Identify areas for possible improvement during the first six months of an adjusters experience
  3. Describe what effective coaching looks and feels like for newer adjusters
  4. Review some of the resources that are available to help your staff do a more effective job of onboarding and coaching new staff

5. PLRB Online Coverage Research: 1st and 3rd Party Coverages

  1. Update your coverage research skills using PLRB's New Search Database
  2. Discover new research tips and shortcuts
  3. Access the latest property and liability cases, emerging issues, and other updated PLRB materials

Casualty Claims Track

1. Accident Reconstruction: Motor Vehicles and Motorcycles

  1. Identify basic accident reconstruction principles and technologies
  2. List strategies for effectively working with legal counsel and an accident reconstructionist to evaluate the case and present the case at trial
  3. Describe the legal challenges when admitting accident reconstruction evidence at trial
  4. Examine how newer technologies such as electronic data recorders, GPS systems and advanced vehicle safety systems are impacting vehicular accident reconstruction

2. Agricultural Liability Claims: A Coverage Primer

  1. Identify the various liability loss exposures related to farming, ranching and other agricultural businesses
  2. Explain the coverages provided under the typical farm liability policy, including premises, operations, pollution or product liability coverage
  3. Formulate strategies for evaluating coverage for agricultural liability claims
  4. Discuss the use of vendors and experts to assist with determining the amount of loss

3. Coverage Consequences of Untimely Notice of a Third Party Claim

  1. Identify what constitutes "notice" under "claims made" and occurrence liability policies
  2. Explain when the "notice-prejudice rule" applies and who has the burden of proving prejudice
  3. Survey how late notice may impact an insurer's indemnity and defense obligations
  4. Describe the impact of late notice on umbrella and excess insurance policies

4. Impact of Consumer Electronics Data on Liability Claims

  1. Explore how various electronics, such as activity trackers, smart watches and smart phones, gather data on consumers
  2. Discuss ways in which this data can be used in litigation
  3. Determine if expert testimony is needed to explain and interpret the data
  4. Review emerging case law on the admissibility of this data in personal injury cases and other litigation

5. Medicare/Medicaid Compliance Issues

  1. Explain the current interpretation of the Medicare Secondary Payer Act and changes brought about by recent litigation and administrative rules
  2. Summarize the essential obligations of liability insurers under the Medicare Secondary Payment ("MSP") laws
  3. Demonstrate how MSP laws apply to the resolution of third-party claims
  4. Establish strategies to satisfy Medicare's right to recovery

6. Mild Traumatic Brain Injuries (Concussions) v. Serious Traumatic Brain Injuries

  1. Distinguish between a mild traumatic brain injury such as a concussion and a serious traumatic brain injury
  2. Identify what tests, records and documents are needed for an appropriate brain injury evaluation
  3. Describe the prognosis for recovery from a mild traumatic brain injury and a more severe traumatic brain injury
  4. Evaluate signs of fraud or malingering in brain injury claims

7. The Role of Biomechanics in Automobile Accident Analyses and Litigation

  1. State the principles and science behind the biomechanics of automobile accidents
  2. Describe the elements required for an accurate biomechanical analysis
  3. Determine if a biomechanics expert is needed for an automobile accident
  4. Evaluate the impact of a biomechanics expert's opinions on the valuation of a claim

8. Selling Structured Settlements

  1. Explain how structured settlements work
  2. Determine what type of claims may be appropriate for a structured settlement and when the use of a structured settlement expert may be beneficial
  3. Indicate the potential advantages and disadvantages of using a structured settlement
  4. Apply negotiation strategies to sell a structured settlement to a claimant

9. Tenders in the Uninsured and Underinsured Motorist Context

  1. Evaluate when UM and UIM coverage is triggered
  2. Develop strategies for responding to an UM/UIM limits demand letter
  3. Recognize potential bad faith exposure for failing to tender the full UM/UIM limits