Why Decades of Loss History No Longer Predict Where the Next Catastrophe Will Land and What That Means for the Adjuster Deployed to It
Severe storms, floods, fires, and freezes are landing in places with no loss history, and the models, codes, and instincts built on that history are falling behind. What an adjuster deployed to unfamiliar territory should expect and how to prepare.
Handling Inland Flood and Extreme Rainfall Claims in Communities That Never Thought They Needed Flood Coverage
Extreme rainfall is flooding communities that never bought flood coverage, and adjusters are the ones explaining the exclusion. Using Helene and other inland floods, this article covers the coverage determinations, NFIP coordination, and the hardest conversation in property claims.
Urban Conflagration Ember Spread and Smoke Claims in a Wildfire Era That No Longer Stays in the Wildland
Wildfire now burns suburbs in winter and destroys thousands of structures in a night. A field guide to total losses, smoke and ash claims in standing homes, split FAIR Plan policies, and the long displacement that follows.
Freeze Losses Burst Pipes and Grid Failures in a Housing Stock Built for Heat
A hard freeze in a region built for heat bursts pipes in a large share of homes within the same 72 hours. Five claim scenarios work through the maintenance-of-heat provision, commercial sprinkler losses, and how to handle the surge.
Ordinance or Law Coverage Resilient Construction and the Widening Gap Between What Was Lost and What Must Be Built
The house that was lost was built to a code that no longer applies, and the rebuild will cost more than the policy contemplated. How to handle the three conversations on every major rebuild, with the policyholder, the contractor, and the building department.
