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Claims Handling

Tommy R. Michaels

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,…

Certificate of Insurance Disclaimer…Not Bulletproof

…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: The Gift That Keeps on Giving

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.

Joseph M. Junfola

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

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…

Colorado Wildfires and Homeowners Insurance

MANDY CONNELL: We are dealing with significant brush fires, we’re going to have a really bad fire season, we have that here in Colorado and I thought it would be timely to bring someone on to talk about what a homeowner should do before the possibility of disaster strikes because we’re in a situation if a brush fire pops up near your home when you are at work you may not be able to go home again depending on the severity of the fire and its movements and things of that nature, so what kind of guidance can you give us in terms of preparing for a natural disaster before it happens?

DAVID STEGALL: The best thing to do is it go through your mind and imagine that it’s already happening. You want to have a plan before you have to deal with it, and the Colorado authorities, the national forest service and there is a number of things, has all sorts of things on their websites as to the best way to protect your property from a physical standpoint, but the best thing to do from an insurance standpoint is to make sure you’re “insured to value” which means that you have enough insurance on your house to pay for it when it burns down and this is a serious problem, this is where more of acrimony between policyholders and insurance companies happen on any other issue, it’s the value of the dwelling and a lot of people are confused on this issue. They think “oh well the mortgage company told me I have a mortgage of a $180,000 and so that’s what I want the insurance for.

Bad Faith – Hard to Define – But You Know It If You See It

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”

Chantal M. Roberts

I am dedicated to providing trustworthy, valuable assistance in order to give my clients a clear understanding of claims standards and practices. As an expert witness, I strive to turn this complex topic into an easy to understand concept. Known for my honest and direct approach, I work hard to meet each of your individual…

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