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Tommy Michaels of T. R. Michaels Claim Consulting, LLC has over 49 years experience in property and casualty insurance claims handling and claims administration. 36 years with a major insurer in various claim capacities including home office executive. Expert testimony provided in Federal and State courts throughout the United States regarding bad faith, claims standards,…
…the COI does not/should not amend or change the policy in any way, explicitly
stating so in the form of a disclaimer. However, the disclaimer is proving not to be bulletproof,
at least in Washington.
Montrose v Admiral affected the principle of known loss and caused the insurance industry to react with a variety of “Montrose Exclusion” endorsements and the Insurance Services Office to change the insuring agreement in the CGL policy. Its impact was, and still is, felt beyond California’s borders.
My career in the property casualty insurance industry spans over four decades, during which I managed, directly or in a supervisory capacity, insurance claims. For the last 27 years, I have specialized in long-term exposure, or continuous property damage/bodily injury/toxic tort claims on a national basis, in particular construction defect, product liability, and design professional…
Joan Deimling has over thirty years’ experience in the insurance industry in policy rating, customer service and claims. She has been responsible for the supervision of policy issuance, commercial rating both liability and property as well as worker’s compensation and customer service. Joan’s customer service knowledge and skill set benefits clients in managing customer accounts…
Dad Faith: Breaching the usual and customary practices of, and/or failing to maintain the standards of care required by, the insurance (and Risk Management) industry based on the concept of “Utmost Good-Faith”