Login Join Now

Login

  • Claims Resources and Solutions, LLC
  • Claims Resources and Solutions, LLC
  • Claims Resources and Solutions, LLC
  • Claims Resources and Solutions, LLC
  • Claims Resources and Solutions, LLC
  • Claims Resources and Solutions, LLC

Are You Listed?

83,839

Adjusters, Experts, Engineers, Attorneys, Trades and much more in our directory.

Why Claims Resources and Solutions LLC


Claims Resources and Solutions LLC is a full service site devoted to all claims-related industry professionals. Our extensive online business directory connects a wide variety of insurance companies, claims specialists and businesses, enabling them to network and collaborate through public forums, resource documents, discussion boards and news articles.

Our goal is to provide the support, resources, and networking abilities that industry professionals need and rely on. We go beyond customer support and assistance and connect the industry to immediate responses and a wealth of knowledge backed by approved, qualified claim-related business and experts.

Advertise with Us!

Grow your business!

  • Reach target insurance professionals.
  • Grow your territory.
  • Reach a larger audience.

Be Recognized!

Interact with your peers!

  • Submit articles and events.
  • Start or participate in discussions.
  • Educate and engage.

Full Access Directory!

Subscribe to unlock opportunity!

  • Expand your territory.
  • Increase prospects.
  • Fill claims needs.

Latest Articles

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
Prev Next

Post-Loss Liability of Agents, Part 5: Other ways Agents can entangle themselves by becoming involved in the Claims Process

06.18.2014 | Articles | Submitted by: Partners of Claims Resources

Sometimes, in an effort to be helpful, agents try to “assist” their policyholders in making a claim, but end up delaying the claims process. There have been circumstances where agents have actually written witness statements for policyholders and/or their employees. It is invariable that witness statements written by agents contain...

Post-Loss Liability of Agents, Part 4: Mistaken Representation of Non-Coverage when Coverage is Afforded

06.18.2014 | Articles | Submitted by: Partners of Claims Resources

On occasion, agents have mistakenly told policyholders that a loss is either not covered or excluded. Again, the agent cannot alter the terms of the policy by post-loss representations. However, if a policyholder relies upon a representation of non-coverage given to him/her by the agent to the detriment of the...

Louisiana Wasting Limits

06.11.2014 | Articles | Submitted by: Partners of Claims Resources

 The following is an update on proposed HB 665 in Louisiana that would prohibit wasting limits for many types of policies. Due to what occurred in the Louisiana Senate Insurance Committee, which will be discussed below, the bill has died in committee and will not be passed this legislative session. ...

Your State and PIP Coverage

06.11.2014 | Articles | Submitted by: Partners of Claims Resources

Personal Injury Protection (PIP) is an extension of the automobile policy, which is available in many states. It covers medical expenses and, in some cases other expenses. Premiums do not increase when using this coverage. Here is a summary of PIP benefits: Medical Expenses Medical Payments (MP) is the medical expense provision of...

NATURAL ACCUMULATION

06.04.2014 | Articles | Submitted by: Stephen Smith

Scenario: John and his wife stay at a hotel overnight in Wyoming. During the night there is about 2” of snowfall. By morning the parking lot had been plowed, the sidewalks shoveled, salted and sanded. After breakfast John leaves his wife at the counter to...

Texas Governmental Tort Immunity

06.04.2014 | Articles | Submitted by: Partners of Claims Resources

Immunity prevents a state or person employed by the state government from being subjected to suit without its consent. The doctrine of Sovereign Immunity stands for the principle that a nation is immune from suit in the courts of another country. At first, courts espoused a theory that provided absolute immunity...

Tips on Managing Your Claim File - Protection from Bad Faith

05.29.2014 | Articles | Submitted by: Partners of Claims Resources

A cause of action for breach of a duty of good faith and fair dealing is stated when it is alleged that there is no reasonable basis for a denial of a claim or delays in payment or a failure on the part of the insurer to determine whether there...

POST-LOSS LIABILITY OF AGENTS Part 3: Intentional/Unintentional Post-Loss Representations

05.29.2014 | Articles | Submitted by: Partners of Claims Resources

The question immediately arises as to whether an agent is liable for post-loss incorrect statements of coverage even if those representations were made honestly and in good faith. Unfortunately, the answer is yes. The answer is yes even when the policyholder gives the agent incomplete information concerning the circumstances of...

Recognizing Fraud and Fighting It in the Courtroom, Part III – Fighting Fraud at the Courthouse

05.21.2014 | Articles | Submitted by: Michael Johnston

INTRODUCTION buy priligy online
buy kamagra
buy levitra online
clomid online
buy propecia
buy clomid online
The cost of fraudulent insurance claims in the United States is estimated to be $120 billion dollars per year. Fraud is responsible for 10 percent of the property/casualty industry’s sustained losses and loss adjustment expenses, according to Best’s Review. Even though the majority of fraud involves healthcare claims, a significant...

POST-LOSS LIABILITY OF AGENTS, Part 2 of 7: Creation of Liability

05.21.2014 | Articles | Submitted by: Michael Johnston

The most critical time in the agent/policyholder relationship arises at the moment that a loss is reported to the agent. Years of effective marketing can be lost at that critical moment. This is not to mention the genuine desire on the part of most agents to assist their clients. However,...

Recognizing Fraud and Fighting It in the Courtroom, Part II: Casualty, Automobile, and Jewelry

05.13.2014 | Articles | Submitted by: Partners of Claims Resources

INTRODUCTION The cost of fraudulent insurance claims in the United States is estimated to be $120 billion dollars per year. Fraud is responsible for 10 percent of the property/casualty industry’s sustained losses and loss adjustment expenses, according to Best’s Review. Even though the majority of fraud involves healthcare claims, a significant...

POST-LOSS LIABILITY OF AGENTS, Part 1 of 7: Policyholder Expectations

05.13.2014 | Articles | Submitted by: Michael Johnston

The most critical time in the agent/policyholder relationship arises at the moment that a loss is reported to the agent. Years of effective marketing can be lost at that critical moment. This is not to mention the genuine desire on the part of most agents to assist their clients. However,...

Recognizing Fraud and Fighting It in the Courtroom, Part 1 of 3: Property Claims

05.07.2014 | Articles | Submitted by: Michael Johnston

Part I INTRODUCTION The cost of fraudulent insurance claims in the United States is estimated to be $120 billion dollars per year. Fraud is responsible for 10 percent of the property/casualty industry’s sustained losses and loss adjustment expenses, according to Best’s Review. Even though the majority of fraud involves healthcare claims, a...

The City’s Fault! Sewer Backups

05.07.2014 | Articles | Submitted by: Partners of Claims Resources

Sewer back-ups are a problem facing every city’s residents. Claims for damages to homes caused by sewer back-ups probably lead to more frustrations and hard feelings than any other single kind of claim. Cities are not automatically liable for resulting damages whenever a sewer backs up. The city is only...

Investigating Sewer Back Up Claims

04.30.2014 | Articles | Submitted by: Partners of Claims Resources

When investigating claims related to sewer malfunctions, there are many questions to ask the city. There are also some questions that need to be asked of the homeowner or the business filing the claim. Here are a few to ask the city: Obtain the maintenance history on the lines...

Lightning or Not!

04.23.2014 | Articles | Submitted by: Partners of Claims Resources

In retrospect to dating oneself, in the old days a lightning claim investigation was pretty simple. A field adjuster would inspect and look for any one or more pieces of evidence: burn marks or burn related entry points into the building coupled with a known storm in the area would...

MEDICAL CONDITIONS and SOFT-TISSUE CLAIMS - Depression and Bipolar Conditions

04.15.2014 | Articles | Submitted by: Partners of Claims Resources

It is not uncommon for anyone to feel sad or less interested in daily activities on an occasional basis. However, the diagnosis of depression requires those types of feelings, particularly for activities that previously gave a great deal of pleasure to one’s life, to persist for two weeks or more....

MEDICAL CONDITIONS and SOFT-TISSUE CLAIMS - Arthritis

04.15.2014 | Articles | Submitted by: Partners of Claims Resources

Although we often tend to lump all types of Arthritis together, it is important to remember that there are two distinct varieties of Arthritis; Osteoarthritis and Rheumatoid Arthritis. Osteoarthritis occurs in the cartilage that cushions the bones as a patient’s joints tend to deteriorate over time. Eventually, the cartilage can...

Elements of MEDICAL MALPRACTICE

04.08.2014 | Articles | Submitted by: Partners of Claims Resources

Medical malpractice is an act or omission by a health care provider in which the treatment or lack of provided falls well below the acceptable standard of practice as defined in the medical community. This act must cause injury or death to the patient and in most cases involves...

Defining “Appropriate” Length of Treatment

04.08.2014 | Articles | Submitted by: Partners of Claims Resources

If you were to ask ten doctors to define the term “appropriate medical treatment,” you would likely get as many as ten different answers. Even more concerning, placing ten doctors in a room and providing them with a patient’s medical history, complaints, and symptoms will also very likely lead to...

SOFT TISSUE INJURY CLAIMS – an introduction

04.08.2014 | Articles | Submitted by: Partners of Claims Resources

Soft tissue injury claims make up the bulk of personal injury claims handled by many insurance companies. While templates and formulas are attempted, the very nature of “soft tissue” means that unique considerations may often be necessary, especially when dealing with complex or long-term soft tissue injury cases. ...

What is a Declaratory Judgment Action?

04.03.2014 | Articles | Submitted by: Partners of Claims Resources

A declaratory judgment is a judgment by a jurisdiction based on their interpretation of the facts and a policy form which determines the rights of parties without ordering anything be done or awarding damages. By seeking a declaratory judgment, the party making the request is seeking for an official...

An Insurer’s Duty to Defend - Part I

04.03.2014 | Articles | Submitted by: Partners of Claims Resources

The standard general liability insuring agreement provides that an insurer has the right and duty to defend an insured in a suit seeking covered damages. The issue is does the suit seek covered damages and how is that determination actually made? The analysis in all states involves, at a minimum allegations in...

The “4 Corner” and “8 Corner” rules

04.03.2014 | Articles | Submitted by: Partners of Claims Resources

Jurisdictions differ in how they label the process of reading the insurance policy along with the allegations of the complaint. The comparison test requires the pleadings in the underlying suit to be read side by side along with the policy to determine whether the alleged damage or injury is covered or...

ERRORS AND OMISSIONS COVERAGE - How Not To Let E&O Stand For “Engulfed and Obliterated” - Part 1 - Introduction

03.25.2014 | Articles | Submitted by: Partners of Claims Resources

INTRODUCTION Most insurance companies that retain independent insurance agents require they have professional liability’s coverage. The purpose of this paper is to explore the major aspects of E&O coverage as well as the challenges today’s insurance environment presents to insurance agents in connection with E&O issues. Finally, the...

ERRORS AND OMISSIONS COVERAGE - How Not To Let E&O Stand For “Engulfed and Obliterated” - Part 2: Limits

03.25.2014 | Articles | Submitted by: Partners of Claims Resources

LEGAL EXPENSE CUT OFF PROVISION Some liability policies contain clauses that allow the insurance company to tender the policy limits. Once that tender is made, the insurance company has no further obligation to provide a defense or pay for legal expenses. Be careful of these clauses! Liability insurance coverage,...

ERRORS AND OMISSIONS COVERAGE - How Not To Let E&O Stand For “Engulfed and Obliterated” - Part 3: Indemnity and TDI

03.25.2014 | Articles | Submitted by: Partners of Claims Resources

INDEMNITY AGREEMENTS Most agency agreements between the insurance agent and the insurance company contain indemnity agreements where the agent is responsible for indemnifying the insurance company in the event that the insurance company becomes obligated to pay amounts not covered under a policy because of the actions of the agent. ...

ERRORS AND OMISSIONS COVERAGE - How Not To Let E&O Stand For “Engulfed and Obliterated” - Part 4: Avoiding E&O

03.25.2014 | Articles | Submitted by: Partners of Claims Resources

WAYS TO AVOID HAVING TO USE YOUR E&O COVERAGE As with most insurance coverage, it is much better to pay the premiums and never have to use the coverage. The more claims that are made against the agency, the greater the chance that E&O coverage will become unavailable or prohibitively...

Civil Litigation Survival Guide for Independent Adjusters - Part 2

03.18.2014 | Articles | Submitted by: Partners of Claims Resources

Part 2: MEASURES THAT CAN BE TAKEN TO PREVENT EXPOSURE Unfortunately, there is nothing that an independent adjuster can do to prevent being sued. As a general rule, a plaintiff only has to write out some accusations and pay a filing fee, which automatically results in a defendant being sued....

Civil Litigation Survival Guide for Independent Adjusters - Part 1

03.18.2014 | Articles | Submitted by: Partners of Claims Resources

Part 1: INTRODUCTION Unfortunately, insurance litigation has resulted in independent adjusters being ensnared in civil ligation that really constitutes a dispute between the policyholder and the insurance company. The devastating consequences are that independent adjusters are being sued for many thousands of dollars over adjusting assignments that generate fees that...

Penalty or No Penalty “The Co Insurance Quandary”

03.18.2014 | Articles | Submitted by: Partners of Claims Resources

  Co-insurance is a term used in many areas of insurance claims. It is an insurance term that describes the spreading of the risk between the insurance company and the insured for costs incurred after the deductible. The insurance agency may accept and rate the risk based on the...

In the Details: Preventing Bad Faith Claims

03.18.2014 | Articles | Submitted by: Partners of Claims Resources

Waiver is the voluntary relinquishment of a known legal right because of some act or omission. An estoppel is the statutory loss of that right because of some earlier act or omission constituted a waiver. Estoppel cannot occur without the waiver. In the insurance professionals’ world, the issue of waiver and...

EVALUATING JEWELRY, FUR AND FINE ART CLAIMS - Separating the Rocks from the Stones

03.11.2014 | Articles | Submitted by: Partners of Claims Resources

INTRODUCTION The purpose of this paper is to provide you with basic information relating to jewelry, fur, and fine arts claims. These claims are, at times, very difficult to evaluate. Many times, these claims involve not only the real value of the items taken, but also issues involving underwriting,...

Who Let The Dogs Out? Landlord Liability in Dog Bite Cases

03.11.2014 | Articles | Submitted by: Partners of Claims Resources

INTRODUCTION An injured person may sue the owner or keeper of an animal under a strict liability theory based upon the owner’s knowledge of vicious characteristics of an animal abnormal to its class, or for negligence. In addition, injured parties may sue a property owner under a premises liability theory. Baker...

HOW INSURANCE ADJUSTERS CAN HELP THEIR ATTORNEYS STAY IN BUSINESS

03.05.2014 | Articles | Submitted by: Michael Johnston

Top 10 Ways to Get Yourself Sued INTRODUCTION The purpose of this paper is to make sure that I continue to have an active practice representing insurance adjusters in litigation involving insureds. As a result, this paper is dedicated to informing insurance adjusters as to how they can make sure...

BAD FAITH CLAIMS and APPRAISAL IN TX AND AROUND THE US

03.05.2014 | Articles | Submitted by: Partners of Claims Resources

TEXAS LAW INTRODUCTION In most circumstances, an insured may not prevail on a bad faith claim without first showing that the insurer breached the contract. See Liberty National Fire Ins. Co. v. Akin, 927 S.W.2d 627, 629 (Tex. 1996). However, the U.S. Court for the Southern District of...

Occurrence versus Claims Made - Part II

02.26.2014 | Articles | Submitted by: Partners of Claims Resources

  In Part I we defined the “Work Product Exclusion.” In this part we are addressing the differences of the “Occurrence” and “Claims Made” Policies where it relates to construction defect. The insurance industry quickly redefined their policy coverage’s. Defining”Occurrence” and “Claims Made” where it relates to construction defect has been divided...

Commercial General Liability - Part 1: CONSTRUCTION DEFECT EXCLUSION

02.26.2014 | Articles | Submitted by: Partners of Claims Resources

The building increases of the late 80’s have sometimes resulted in an increase of construction defect and workmanship litigation. Insurance coverage became an important consideration for all contractors. This became even more relevant when contractors began to subcontract to specialized trades. As the boom increased into the 90’s, subcontracting became a...

When Johnny Becomes Victim - Part II: Negligent Entrustment and Vicarious Liability

02.26.2014 | Articles | Submitted by: Partners of Claims Resources

In Part I, we discussed that it is common for the victim of a violent crime to look for someone to blame. In some states, “negligent entrustment” is a conduit used by the plaintiff. Wikipedia defines this as a cause of action in tort law that arises where...

When Johnny Becomes Victim, Part 1: Liability on Premises

02.26.2014 | Articles | Submitted by: Partners of Claims Resources

It is not uncommon for the victim of a violent crime to look for someone to blame. Litigation is an increasingly perfect instrument to reallocate blame. As a result, more and more landlords, commercial businesses, and other unsuspecting individuals find themselves acting as defendants in a lawsuit concerning...

PROPER ELEMENTS OF A CLAIM FILE - How not to get beat with your own words

02.20.2014 | Articles | Submitted by: Michael Johnston

INTRODUCTION The vast majority of claim files never make their way to an attorney, much less the courthouse. However, for those few claim files that do become evidence at trial, it is important that the claims representative handle every claim file as if it were to become Exhibit “A” at a...

THE NUTS AND BOLTS OF PROVIDING EFFECTIVE DEPOSITION TESTIMONY

02.20.2014 | Articles | Submitted by: Michael Johnston

The main function of testimony is to convey relevant information to the jury in a manner in which the members will understand it, remember it and appreciate it. A witness can have impeccable qualifications, wealth of knowledge and extreme intelligence, but if he/she cannot effectively communicate that information to the...

PROTECTING THE FAMILY JEWELS - Preserving Evidence

02.20.2014 | Articles | Submitted by: Michael Johnston

INTRODUCTION In the world of CSI jurors have high expectations regarding forensic evidence. As a result, it is critical that evidence is properly identified, preserved and protected. The purpose of this paper is to review the legal obligations regarding preservation of evidence; the proper way of giving access to evidence; and...

Who Is An Insured Under a Homeowner's Insurance Policy?

10.02.2013 | Articles | Submitted by: Michael Johnston

Determining who is an Insured and in what capacity he or she is an Insured is a critical part of analyzing a Homeowner’s Insurance claim in any state. Obviously, the right of a person to obtain insurance claim proceeds depends upon his status as an Insured. Also, a determination as...

CCP Litigation Alert

09.25.2013 | Articles | Submitted by: Christopher Pappas

September 11, 2013 MULTIPLE CLAIMS: WHAT TO DO WHEN INSURANCE LIMITS ARE INSUFFICIENT TO PAY ALL CLAIMS? The insurance claims professional is often confronted with the situation in which the accident/occurrence has spawned multiple third party claims and the policy limits available are clearly insufficient to fund both actual and anticipated claims....

Conflict of Settlement

09.17.2013 | Articles | Submitted by: Michael Johnston

Damned If You Settle and Damned If You Don’t A mediator in Texas has a motto…A closed file is a happy file. The purpose of claim representatives and legal professionals is to effectively resolve disputes in a reasonable and cost efficient manner. Ordinarily, the anxiety level rises when a decision is...

Evaluating Jewelry, Fur & Fine Art Claims

09.17.2013 | Articles | Submitted by: Michael Johnston

Separating the Rocks from the Stones INTRODUCTION The purpose of this paper is to provide you with basic information relating to jewelry, fur and fine arts claims. These claims are, at times, very difficult to evaluate. Many times, these claims involve not only the real value of the items taken, but also...

Business Income Claims: Simplified!

09.11.2013 | Articles | Submitted by: Claims Resources

How to Document and Calculate Loss Business Income claims are the most frustrating part of insurance and cause the majority of E&O lawsuits. Business owners do not understand the coverage, so post loss they receive an education about their insurance policy language resulting in hard feelings and lawsuits. Insurance companies unnecessarily...

Current Developments Relating to Expert Testimony

09.11.2013 | Articles | Submitted by: Michael Johnston

The purpose of this paper is to show how the role of an expert witness has changed over the years, due to various factors. Examples will illustrate how experts have gotten themselves into situations that ultimately ruined their credibility. At the conclusion of this course, the student should be able...

Is There Bad Faith After Appraisal?

09.04.2013 | Articles | Submitted by: Michael Johnston

TEXAS LAW Introduction: In most circumstances, an insured may not prevail on a bad faith claim without first showing that the insurer breached the contract. See Liberty National Fire Ins. Co. v. Akin, 927 S.W.2d 627, 629 (Tex. 1996). However, the U.S. Court for the Southern District of Texas ruled that an...

What our Customers are Saying

Connect With Us

Like Us on Facebook
Follow Us on Linked In
Follow Us on Twitter

Disclosure

The use of any material or information on this website is only intended to be used as a resource.

Read More