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- Demand the Best ⟶ Parker Public Adjusting
GET CLAIM HELP NOW DEMAND the BEST, for YOUR → Townhome/HOA PROPERTY CLAIM Start here LET'S FACE IT: You’ve probably never read your entire insurance policy Property policies contain: ✗ Deadlines (yes, that's plural ) ✗ Exclusions ✗ Limitations If you don't review your policy at every renewal—how do you know what your current policy covers? Do you know how the claims process works? What happens if you have a claim dispute with your insurance company? We can help. As one of the few, resident Minnesota-licensed public insurance adjusting firms, Parker Public Adjusting can guide, coordinate, and negotiate your claim from start, to finish. We are the only type of adjusters licensed to work directly for policyholders, like you. OK, TELL ME MORE Elevating your claim experience DEDICATED, PROFESSIONAL PROPERTY CLAIM SERVICES “I would recommend Sarah to anyone who is dealing with a large insurance claim.” —LAURA AND DUANE A property insurance policy is a contract. Treat it like one . Know your policy's deadlines, limitations, exclusions, and more, before you ever have to file a claim. Serving Minnesota. Get Informed AND GET PREPARED LET'S TALK Not every property claim is easy. Policyholders can hire an adjuster too . Outsource your claim management and dispute resolution to a licensed professional. Serving Minnesota. Claim Your Settlement EXPERIENCED A LOSS? TELL ME MORE Expert witness services? Speaker, author, or podcast guest? Get in touch, and let us know what you need. Serving nationally. Experts at Work FOR THE PROFESSIONALS LET'S CONNECT Policyholder Resources Have you learned anything about property insurance claims, that didn't come from insurance advertising? We're sure that you can agree: informed consumers can make better insuring choices. Get access to multi-format (including interactive) information, curated from leading policyholder non-profits, government organizations, academics, and more. LEARN NOW Claim Pulse blog We're not entirely sure why we love property insurance so much, but our goal is to share our passion and knowledge with informed consumers, and like-minded professionals. Subscribe today, and read about first-party property insurance industry news, educational resources... All through a fresh, crowd-sourced perspective. READ NOW GET TO KNOW US Meet, our Queen of Claims SARAH PARKER
- About ⟶ Parker Public Adjusting
HOME → ABOUT PUBLIC INSURANCE ADJUSTER ˈpə-blik in-ˈshu̇r-ən(t)s ə-ˈjə-stər Definition: A claims adjuster who represents the interests of an insured—not an insurance company—in a property loss. Get the PARKER PUBLIC ADJUSTING Advantage FOR YOUR MINNESOTA PROPERTY CLAIM If you're like most policyholders, you've probably never read your entire policy (it's not exactly the most exciting read). It's likely that you don't have everyday experience with property claims, either. Thankfully, adjusting property claims (and reading policies) is not only our business, but our passion. Through our claims adjusting services, we provide policyholders with dedicated claim management, valuation, and dispute resolution. We invite you to get to know us, and our founder, Sarah Parker . Keep reading to learn more about who we help, what we help with, and why we care. We're confident that you'll see the value in leveraging Parker Public Adjusting's claim experience, and settlement precedent, for your property claim. We hope you never need us, but we're here if you do. ® I COULD USE SOME HELP Who we help Other than claim disputes, and lack of experience with the process, there can be unique claim challenges for each type of policyholder: For commercial property owners and businesses, every day counts in your operation. We can help you get back to business. Life doesn't stop for Homeowners and other private property owners, if you experience a loss. You can hire us as your own personal adjuster. And, HOAs, nonprofits and not-for-profits, and government institutions: we know you're busy. Consider swapping out extra board, or team meetings, for claim updates from us instead. Outsourcing many aspects of your claim management, and disputes resolution, are just a click away. TELL ME MORE POLICIES WE WORK WITH: Businessowners Commercial property Homeowners, condo-owners Townhome and Homeowners Associations (HOAs) Farm and agriculture Marine Jewelry, art, other specialty contents and more TYPES OF LOSSES Fire Water Hail Wind Tornado Vandalism and more ISSUES WE ADDRESS Denials, undervalued claims Undue delays, obtaining extensions Method of repair or replacement Like, kind, and quality materials Building code coverage issues Date and cause of loss Excessive depreciation and more What we help with WE WORK ALONGSIDE Restoration & mitigation contractors Insurance company staff, and independent adjusters Property managers Mortgage companies and bankers Attorneys and law firms Community association managers, including Certified Managers of Community Associations (CMCA®) Landlords and other professionals and experts Total claim management, and dispute resolution Meaningful advocacy, means more than just dollars recovered HUND- REDS OF WRONGFUL CLAIM DENIALS OVERTURNED 50-300+ EMAILS, LETTERS, & PHONE CALLS, PER CLAIM THOU- SANDS OF CLAIM MANAGEMENT HOURS OUTSOURCED TO US LET'S WORK TOGETHER 01 BALANCED REPRESENTATION As a policyholder, it's likely that you don't have much experience with property claims. We can provide symmetry to the naturally unbalanced claims process, by giving an experienced voice to policyholders, like you. Everyone deserves an expert. 03 INFORMED CONSUMERS Coverage for any claim is determined long before you might consider hiring us. It starts with your policy language . Accordingly, we've curated approachable, informative, and multi-format property insurance resources , with you in mind. Our Founder, Sarah Parker, also provides specialized education through local and national speaking engagements, which can include CE for adjusters and contractors, as well as CLE for attorneys. OUR VALUES AND PURPOSE 02 CLIENT EXPERIENCE As one of our clients, you'll have proprietary, industry-leading processes, and specialized training and education, working for you. For clients with a mortgage or property equity loan, we even offer assistance with the insurance claim payment endorsement process. Our proprietary process is a market exclusive. Getting to the heart of the claim. ♡ COMMUNITY VALUES. NATIONAL REACH. SPONSOR MEMBER Sarah Parker GETTING TO THE HEART OF THE CLAIM Founded with PASSION and PURPOSE MEET SARAH PARKER
- Claim Pulse™ Blog ⟶ Parker Public Adjusting
™ Blog. Claim Pulse All things first-party property insurance. Recent Blog Feed Disclaimer: The views and opinions expressed on this Website are those of the authors and do not necessarily reflect the official policy or position of Parker Public Adjusting. The information contained on this Website is for general information purposes only, and does not constitute legal or insuring advice. Nothing in the Website is intended to be a substitute for formal legal advice and should not be relied upon as such. Read our full site Disclaimer here . Log in / Sign up Sarah Parker 14 hours ago POLICIES 🚫 They’re Back: Anti-Public Insurance Adjuster Endorsements in Louisiana Why care? Well, someone cared enough to file an appeal to invalidate the directive. So, maybe, you should pay attention... 103 views 0 comments 2 likes. Post not marked as liked 2 Justis Wilson Jan 26 PROFESSIONALS ⚕️Insider Tips: Making the Most of Your Health Insurance, as an Entrepreneur or Freelancer Navigating health insurance can be overwhelming, even as a property claims professional. Justis Wilson shares his tips and best practices! 85 views 0 comments 7 likes. Post not marked as liked 7 Sarah Parker Dec 3, 2022 PROFESSIONALS 🤳🏽 Virtual Mobile Inspections for Property Claims: Boon, or Detriment? As the insurance industry becomes more digitized, mobile technology is playing a big role in the transformation of the claim process. 109 views 0 comments 5 likes. Post not marked as liked 5 Sarah Parker Nov 4, 2022 POLICIES ❄️ Are You Ready for Winter? Your Property Claim May Not Be... Claims have deadlines (yes, that’s plural)! Read this article to learn why, and what to do if you have an upcoming claim deadline. 42 views 0 comments 9 likes. Post not marked as liked 9 Sarah Parker Oct 17, 2022 POLICIES 📑 What is a Declarations Page, and How do I Read it? (🎮 #interactivelearning) Learn what “dec. pages” for Commercial, Homeowners, Townhome/HOA, and other property policies are, and why they’re 58 views 0 comments 10 likes. Post not marked as liked 10 Christine Barlow, CPCU Sep 23, 2022 PROFESSIONALS ✨ FC&S - The Adjuster’s Best Friend Meet your new best friend: FC&S Expert Coverage Interpretation. Professional, first-party property insurance resources, training, and more! 172 views 0 comments 11 likes. Post not marked as liked 11 1 2 3 4 Latest Featured Sarah Parker 🚫 They’re Back: Anti-Public Insurance Adjuster Endorsements in Louisiana Why care? Well, someone cared enough to file an appeal to invalidate the directive. So, maybe, you should pay attention... Justis Wilson ⚕️Insider Tips: Making the Most of Your Health Insurance, as an Entrepreneur or Freelancer Navigating health insurance can be overwhelming, even as a property claims professional. Justis Wilson shares his tips and best practices! Sarah Parker 🤳🏽 Virtual Mobile Inspections for Property Claims: Boon, or Detriment? As the insurance industry becomes more digitized, mobile technology is playing a big role in the transformation of the claim process. About the Blog The Claim Pulse™ blog by Parker Public Adjusting is a partly crowdsourced, fresh take on the first-party property insurance industry... It's issues, solutions, breaking news, educational resources, and more. ♡ Pour l'esprit de corps. SUBSCRIBE All Posts (19) 19 posts Policyholders (8) 8 posts Professionals (9) 9 posts Policies (6) 6 posts This, is a two-way conversation... Let us know what you'd like to read in—or create for—the blog. CONTRIBUTE March 2023 January 2023 December 2022 November 2022 October 2022 September 2022 August 2022 March 2022 February 2022 January 2022 December 2021 November 2021 October 2021 #Topics #adjusters #attorneys #business #colorado #commercialproperty #consumerprotection #contractors #emergencyrule #flood #goodvibes #homeowners #insurancecommissioner #insuranceregulation #interactivelearning #inthefield #iowa #kentucky #listentothisbull #louisiana #merlinlawgroup #meteorology #minnesota #national #podcast #policydeadline #policyholderadvocacy #professionaleducation #publicadjusters #resource #resources #scoreassociation #swiftpublicadjusters #townhome-HOA #unitedpolicyholders #weather #wellnesshealthandsafety #wildfire #youtubevideo actualcashvalue consumerprotection homeowners insurancecommissioner labordepreciation policyholderadvocacy unitedsurvivorsdisasterrelief washington DEMAND THE BEST FOR YOUR PROPERTY CLAIM GET the PARKER PUBLIC ADJUSTING advantage TELL ME MORE
Blog Posts (19)
- 🚫 They’re Back: Anti-Public Insurance Adjuster Endorsements in Louisiana
Why care? Well, a very-big-someone cared enough to file an appeal to invalidate the directive that banned these endorsements. So, maybe, you should pay attention... Louisiana property policyholders have suffered enough: Five devastating hurricanes and two tropical storms, since 2020 Insurance companies failing (insolvent) at record rates State bailout fund created for relief suffers under record lawsuits Record premium increases, estimated to jump up 63% in 2023 Policyholders resorting to fighting wrongful insurance claim denials by using TikTok Unusual insurance industry drama involving hundreds of lawsuits filed by one law firm And (unfortunately) more. So, what now? Among many sweeping measures intended to protect policyholders in the aftermath of events of the last few years, on January 24, 2022, James J. Donelon, Commissioner of the Louisiana Department of Insurance (LDI), issued a directive. This directive—Directive 219—barred insurers from use of specific language in property insurance policies. Specifically, something called Anti-Public Insurance Adjuster endorsements. A "surplus lines insurer" did not take too kindly to this action, and filed an appeal, which resulted in an order rendering Directive 219 invalid, on August 23rd, 2022. Most readers of this blog will understand what the phrase Anti-Public Insurance Adjuster endorsements means. For those that don't, here is some background, and why this may matter to you: Most property insurance is regulated at state level, although some insurance, such as flood, is federally-regulated. A state insurance commissioner is a public service official that regulates insurance, with a focus on consumer protection, while balancing healthy insurance commerce. According to the National Association of Public Insurance Adjusters, public insurance adjusters are "experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible[...]" Public insurance adjusters are currently licensed (or, at least regulated/registered) in 46 of the 50 states in the US (some form of public insurance adjusters are also regulated in Canada, the UK, and other countries around the world). An endorsement is a form added to a property policy, that contains language that modifies (adds, changes, or takes away) coverage. In summary, anti-public insurance adjuster endorsements is language added to a policy, by an insurance company, that seek to bar a policyholder from hiring a public insurance adjuster to (depending on each state's regulations) represent them, or assist them with, an insured property loss. To quote the LDI's now-invalid directive: "It has come to the attention of the Louisiana Department of Insurance that some insurers are attempting to prohibit the use of public adjusters by insureds in their policy provisions by endorsements to their policies. The anti-public adjuster clauses attempt to prohibit insureds from hiring, engaging, retaining, contracting with, or otherwise utilizing the services of a public adjuster. The prohibition contained in these endorsements or any other policy provision directly contravenes La. R.S. 22: 1704(E)(2), which grants insureds the right to hire a public adjuster." Okay. So, again, why should I care? A state insurance commissioner decided to issue Directive 219, in the interest of the public. So, using critical thinking concepts, the question we might ask first, is: Why did someone care enough to file an appeal to block this directive? Does the appealing party feel that public insurance adjusters are such a blight, that they must be banned from the inception of the policy, before a loss ever happens? Do they feel that public insurance adjusters are bad for policyholders, bad for insurance companies, or both? Well, the information I have at my disposal, citing an appeal by a "surplus lines insurer", does not answer my questions. Only: "[...]Appellant claimed it is aggrieved by the Directive. [...] Appellant argued that Directive 219 is inconsistent with Louisiana law." I'm not an attorney, so I can't comment on what that might mean (perhaps one will kindly provide us with some general insight, in the comments below). Concerningly, anti-public insurance adjuster endorsements are popping up in states across the country. Since the public insurance adjusting profession has existed, and represented policyholders since at least the 1940s—and some purport that they may have preceded insurance company adjusters—why have these endorsements been popping up, all of a sudden? I'm sure that time, will tell. So, what can I do about it? Well, probably not much at the current moment. But, I do have a constructive suggestion, that will help everyone in the future. “Don’t judge each day by the harvest you reap but by the seeds you plant.” — Robert Louis Stevenson As with all relationships, even the sometimes interesting ones highlighted in this article, it takes two to tango, as they say. Meaning, seek to first control what you can control: yourself, including your time, energy, and charity. Every property insurance industry professional, of any kind, might consider these tips: Never engage in property insurance fraud, whether that be insurer fraud against a policyholder, or insurance fraud against an insurer. In day-to-day claims handling, treat others with respect, even when you may disagree. Don't ascribe to, nor blindly spread broad rhetoric from any source, but instead seek facts, to form your own, balanced narrative. Seek quality, professional education from many sources, not just company-provided education. Consider joining a professional association (or, supporting one as a sponsor), to take an active role in shaping balanced and positive legislation. For public insurance adjusters, there are many state, regional, and national options, including: National Association of Public Insurance Adjusters American Association of Public Insurance Adjusters Consider supporting one or more policyholder advocacy nonprofits, as a sponsor, volunteer, yearly or monthly donor, and/or member. A thoughtful (tax-deductible!) donation of even $5/month can a difference for nonprofit organizations that are protecting policyholder rights, some for over 30 years. Here's a few that I'm a big fan of: United Policyholders American Policyholder Association United Survivor Disaster Relief Encourage talented and ethical colleagues to consider entering any profession in insurance... As our seasoned and valued insurance agents, underwriters, staff and independent adjusters, and other insurance professionals start to retire (or be replaced by new tech and AI), we don't have enough passionate professionals entering the profession to replace them. What do you think about all of this? I'd love to know, in the comments. Download the order invalidating Directive 219, here: Update 3/2/23: read Chip Merlin, Esq.'s article on the matter, at the Property Insurance Coverage Law blog. ✌🏾 Be well,
- ⚕️Insider Tips: Making the Most of Your Health Insurance, as an Entrepreneur or Freelancer
Navigating health insurance can be overwhelming, even as a property claims professional. Justis Wilson of Live Well Health Consulting, provides tips and best practices to consider. Disclaimer: this article does not constitute legal or insuring advice, and is for general information purposes only. Nothing in the Website is intended to be a substitute for formal legal advice and should not be relied upon as such. Read our full site Disclaimer here. As a freelancer or small business, it can be difficult to stay afloat in today's economy and compete with larger companies, making health insurance an added expense that can feel overwhelming and something that often falls on the back burner. However, health insurance is an important factor to consider when compiling your budget that ensures the hard work you’ve spent building your business isn’t ruined by a surprise trip to the hospital. The good news is, there are various options available to suit freelancers and small businesses depending on your particular needs. In this blog post, you'll learn about the various health insurance options available for freelancers and small businesses, including how to choose the right plan. You'll also get insider tips on making the most of your health benefits and tips for saving on health insurance premiums. Read on to learn more about health insurance for freelancers and small companies. Do I really need it? With rising premium and out of pocket prices, it’s easy to just throw up your hands and say “what’s the point?” Trust me, I get it. I certainly understand that spending the $150 cash once a year for your annual physical seems more appealing than paying premiums every month, but health insurance is possibly one of the most important financial protections you could have for your business. While it’s nice to get some benefits like cheaper doctor visits or free lab work with your plans, the real value of health insurance is the peace of mind: that the possibly bankrupting incidences that are bound to happen in your life, will be financially insignificant (or at least manageable). Furthermore, health insurance can provide access to preventative and primary care services, which can help freelancers and small companies maintain good health and reduce long-term medical costs. The real and the... Not so real Now that we’ve established that you do, in fact, need to consider health insurance, let’s learn how to sift out the plans that will actually fit your, and your company's needs. Luckily, this is much simpler than it looks! Essentially, you need to ask three questions to ensure you’ve got the right stuff: Do I have a solid "max out of pocket"? This essentially just means that no matter what happens or how expensive those medical bills get, you will never pay more than “x” in a single year. Do I have an unlimited "max benefit"? This ensures that you will never be capped on your benefits and guarantees that the insurance company will never throw in the towel because your bills started getting expensive. Lastly, do I have "upfront underwriting" (if any at all)? This one basically just means, if you get approved for a plan they will NOT go searching for a reason not to pay a claim. If you ever hear the terms “point of claim underwriting,” or "post-claim underwriting," turn and run. This essentially means they will let you into the plan, but will have the right and the opportunity to look for any reason they can to tie your claim to pre-existing conditions to get out of paying. So what do I consider going with? Well this one is a bit more complicated. If having “real” insurance is important to you, you essentially have three places you can find health insurance, each having their own strengths and weaknesses. EMPLOYER SPONSORED PLAN First of your three options would be through an employer sponsored plan. I understand most people reading this are self-employed and don’t have such luxuries, but if you do, consider yourself lucky! These are plans that will most likely cover any pre-existing condition you have and are heavily regulated so you know they are at least dependable. The only real downsides to this option are that the premiums tend to get a bit pricey when adding a family and the limited options offered may not be custom tailored to your needs. THE MARKETPLACE The next option is something most people are familiar with: the marketplace. You may have heard this called “ACA insurance” or “Obamacare” but it’s all the same thing. Marketplace plans are great options if you are dealing with pre-existing conditions, simply because there are absolutely no pre-existing limitations. These are also especially useful if you are on the lower end of the income spectrum due to their income based subsidy programs. However, if you ARE doing well financially, these are some of the more expensive plans out there. The biggest flaw in marketplace plans is typically their limited networks; with only HMOs and EPOs, your availability of care is limited and you will not have much in the way of coverage when you leave your home county. UNDERWRITTEN COVERAGE The last “real" option out there is underwritten coverage. I like to equate these to a country club; they’re very hard to get into but have some great benefits for those that are able to. These plans are designed to keep healthy people in and the not so healthy people out. For those that can get in, they get to enjoy lower premiums, lower out of pockets, and (most importantly) access to the best nationwide PPO (Preferred Provider Organization) networks available. Now I don’t want to make these seem like they’re all sunshine and rainbows because they DO have two major downsides. They will not cover anything maternity related or mental health related, but if that’s not a concern of yours, these are great options to save some money and get into great nationwide coverage. Final Thoughts If you take nothing else from this, know these two things: No matter what your situation is, there is a plan that will work for you. Finding a knowledgeable, trustworthy agent is very helpful in selecting the right plan for you and your family. If you need anything at all, my team of specialists and I are more than happy to help in any way possible! We can be reached at (325) 439-0651 or by email at livewellhealthtx@outlook.com. -Justis About the Author: Coming from a small town in West Texas, Justis has always been taught that the first rule of business is to make the client his first priority. Justis and his team of healthcare agents take the time to have a real conversation with each client, in order to find them the best options available to fit their needs and budget. Servicing the following states (as of 1/25/23): Texas, Oklahoma, Mississippi, Florida, Georgia, Kansas, Missouri, Alabama, North Carolina, South Carolina, Kentucky, Tennessee, Illinois, Indiana, Ohio, and Colorado.
- 🤳🏽 Virtual Mobile Inspections for Property Claims: Boon, or Detriment?
As the insurance industry becomes more digitized, companies are looking for new ways to streamline the claims process. Mobile technology is playing a big role in this transformation. Table of Contents OK, Sarah: what’s the story? The good The bad The ugly J.D. Power: Customer Satisfaction with Digital Claims Declines Again (12/21/22 update) A guide to performing mobile inspections OK, Sarah: what’s the story? When you file a property claim with your insurer, your insurance company will typically send out a person to perform an initial damage inspection. This person could be an insurance company employee (staff adjuster, or claims representative) or a 3rd-party insurance company representative or contracted expert (independent adjuster, or other professional). While in-person inspections are the still norm, remote video inspections—often called virtual, or mobile inspections—are becoming more common. Is this a good thing, or a bad thing for you, and other policyholders? Well, it can be both! Let's take a look at some of the possible variables. The good I'm a huge fan of the use of technology, where it ethically serves humans, and the Greater Good. Cost-savings, environmental relief, reduced stress for humans... There are many, many ways in which improvements in technology—especially Artificial Intelligence (AI) and automation—can improve your personal and business lives. This includes where these two spheres of professional and personal matters intersect: within property claims. The claims department is a service department. It siphons money out of the company, rather than in. As a practical matter of business, ensuring that this department is streamlined (while still providing excellent service to policyholders and other claimants, and keeping with compliance), is of great importance. There are newly-emerging, professional standards for remote video inspections, specifically. These come in the form of published guidelines from a few of the many not-for-profit code, certification, and testing standards organizations like the International Code Council (ICC), and NFPA 915. This is good news, as insurance companies have a monumental task at hand, when it comes to running efficient claim departments. Published guidelines may help insurance companies reduce the burden of researching, creating, implementing, and auditing standards such as these. In general, the following are just a few examples of what improved technology within claims might result in, when used ethically and responsibly: Faster response and communication times Improved methods, types, and volumes of documentation and data Reduced operating costs Meeting legal compliance and company KPIs Less manual tasks, which could result in less data entry errors, and less stress on employees, vendors, and claimants/policyholders Now, the key, guiding principles here are “ethically and responsibly”. With this in your mind, let's now look at what happens when these two principles are seemingly not guiding the process. The bad In all its forms, technology relies upon humans to create a standard, or threshold. For specialized technology like AI, it requires prompts and a starting dataset to work, operate, and eventually learn from. When these technology standards are set, the humans creating and curating this information must take great care to ensure that their myriad cognitive and other bias' are not inadvertently included, as well as other "human" factors or errors. This can help ensure that the technology is more helpful, than detrimental, for its end purpose. Within claims, the technology used for property inspections can be as simple as using your mobile phone's camera, as complex as a drone using an artificial intelligence software to detect probable damage anomalies, or as revolutionary as immersive telepresence technology; whatever that means (I read this term in a sales brochure, written for property insurance and real estate applications. It is beautifully, yet ambiguously worded. I assume that it means Matterport's and other companies' interactive 3D model mapping). While mobile inspections can streamline and introduce some possible improvements to the inspection process, there are also risks introduced, and related possible detriments to accurate loss scoping. Here are just a few of my initial thoughts on that: How accurate is the visual or measurement technology being used? Is this accuracy impacted by the technology, insurance, and/or construction knowledge (or lack thereof) of the user? Who determines what is inspected, and what is not? When creating these guidelines, are the parties involved qualified in loss investigation for the loss and property type, and common construction practices for each locale? How lenient are each carrier's mobile/virtual inspection guidelines, when it comes to deviating from the guidelines, and/or discovering possible errors and unintentionally omitted information? What about types of damage that may be hidden, such as in cases with water or fire damage? What information is assumed about the loss by the claims representative, when the policyholder is guided through an inspection? I'm sure you could add more to this list. Until the end of the article, where you'll have a chance to share your thoughts, let's move on to what (probably) should be your biggest concern. The ugly Humans still need to use common sense (or, human sense, as it were), when it comes to observing, reviewing, and appropriately intervening with technology and processes, as necessary. What inspired me to write this article, was that someone from Arkansas, called me in Minnesota, to tell me about a then-recent mobile inspection. This was for an exterior hail loss to a residential property, and performed with a mobile phone, and an app that the remote insurance company representative asked the policyholder to download. During this mobile inspection, the claims representative allegedly instructed the policyholder to review specific things from a checklist. According to the direct account I received, when the policyholder brought up loss facts that deviated from the checklist, the claims representative at first refused to document them. Apparently, when the policyholder insisted on a thorough inspection, and that the claims representative record the information they wanted to provide to them about their loss, the claims representative then said they would have to perform an in-person inspection. They said that the insurance company would now send out an inspector to look at the damage, in-person. Overall, I'm certain that mobile inspections can, and will be effective for some property claims. Where only specific or preliminary, and/or small details need to be documented—without the need to test, sample, smell, hear, account for visual variables like light variations, or detect hidden damage—I feel that this will be especially helpful. Customer Satisfaction with Digital Claims Declines Again: J.D. Power The Insurance Journal published an article titled, Customer Satisfaction with Digital Claims Declines Again: J.D. Power, on December 21, 2022. Here is an excerpt: Customer satisfaction with insurers’ digital claims systems declined for the second consecutive year, according to a J.D. Power survey of auto and home policyholders. The results of this survey is concerning. Many states continue pass laws allowing virtual inspections to be performed, in lieu of an in-person inspection, for everything from building official inspections, to property insurance. For property insurance, my hope is that the use of technology will be used not just for cost-savings, but to truly improve the process and experience for policyholders. However, no policyholder would be in charge of how an insurer chooses to implement digital claims technology, and the feedback is clear: the current digital claims handling processes for some claims, are at detriment to customer/claimant experience. Guide to Mobile/Virtual Inspections Read my full Guest Blog article about these types of inspections, and get specific guidance, at policyholder nonprofit, United Policyholders’ website: Have you ever participated in a virtual mobile property inspection? Tell us about your experience, in the comments below! Thank you for reading,