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PIE: Emphasizing Ethics in the Industry

May 9, 2012

In the insurance industry, adjusters frequently rely on engineering and other specialty firms to provide an opinion of the cause based on the facts in their claims from that expert’s understanding of the issues. Following recent catastrophic losses, some insured have made claims against their insurer alleging that the engineering firms falsified reports and have […]

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Building Leaks: Not Always the Obvious

May 7, 2012

You might not have any claims dealing with ice damming on your desk right now. However, winter will be here before we know it. Ice dams are often the cause of costly damage to roofing systems and interior finishes, particularly in mountain environments. Even when ice dams are thought to be the obvious cause of […]

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Differential Slab-On-Grade Movement Due to Poor Drainage/Water Control

May 5, 2012

Thousands of homes and businesses every year experience problems stemming from the movement of the floors that support their structures, walls, equipment, and exterior flatwork – differential vertical slab-on-grade movement.  This is a very common insurance claim and most owners do not understand the causes.  Since the soils inArizonaare commonly expansive, but remain relatively dry […]

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PLRB Test Your Claim Knowledge: Condensation and Air Leakage Property Claims

Article originally published by Property Loss Research Bureau (PLRB). Reproduced by permission from PLRB. Question:  Why do those stains on the siding re-appear every year and why is that siding buckling? Background:  A recurring type of claim that we have been involved with concerns stains that occur on hardboard siding every year.  The insured would […]

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PLRB Test Your Claim Knowledge: Condensation and Air Leakage Fundamentals

May 3, 2012

Article originally published by Property Loss Research Bureau (PLRB). Reproduced by permission from PLRB. As an adjuster, you will likely encounter claims involving water intrusion in buildings, including leaking windows, roofs, below-grade structures, with associated interior finish damage and possibly even mold.  In some cases, the source of the water may not be obvious, especially […]

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Preventing Common Tile Roof Mistakes

May 1, 2012

Tile roofs have been used for centuries, and with good reason. Tile roofs are strong, versatile, and durable. Available in a variety of styles and finishes, tile adds curb appeal to any home, be it American Colonial, Spanish Hacienda, or French Provincial. As with any roof type, weather proofing and installation are keys to long-term […]

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Product Defects: Analyzing Who’s At Fault

April 30, 2012

Over the years, the legal responsibility for product defects and the damage they can cause has shifted from a buyer beware attitude to an environment of numerous lawsuits and claims against manufacturers. The urban legend… Recall the famous lawsuit that brought a windfall of millions to the individual who lifted up his Craftsman lawnmower by […]

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Roof Damage Discoveries from March 2003 Blizzard

April 29, 2012

The weight of ice and snow from the March 2003 DenverMetro area snowstorm caused significant damage to many structural components of roof systems, including catastrophic collapse.  However, the snowstorm also caused damage to other roofing components. Weight of ice and snow, along with sliding and/or drifting snow, caused damage to the roof coverings and waterproofing […]

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Statistics and Observations on the Colorado Blizzard of 2003

April 28, 2012

This article originally  appeared in the December 2003  issue of Claims Quarterly, published by the CPCU Society, Malvern, PA,,  and is reprinted with permission. On the morning of March 18, 2003, snow began falling at the rate of one-half inch per hour and at times, over an inch per hour. Overnight, as much  as […]

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EIFS vs. Stucco: What’s the Difference?

April 27, 2012

When I receive calls to look at a “stucco” residence or commercial building, I always ask the clients, “Now, is it stucco or is it EIFS?” The answers I receive range from, “Umm… stucco, I think. What is EIFS?” to, “I’m not sure” to, “EIFS – I know the difference buddy.” Nonetheless, many home or […]

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