![]() Obligations For Insurance Claims Investigations According to the state of Washington Administrative Code (WAC) 284-30-370: Standards for prompt investigation of a claim. Every insurer must complete its investigation of a claim within thirty days after notification of claim, unless the investigation cannot reasonably be completed within that time. All persons involved in the investigation of a claim must provide reasonable assistance to the insurer in order to facilitate compliance with this provision. In the second part of our conversation with Roger Howson (Seattle, WA) and many others, we discuss the insurance claim appraisal process. Episode 78 of The DYOJO Podcast will touch on topics, including
While many contractors dabble in policy interpretation, often because they think they are doing the right thing for the client, they may be crossing into the territory of public adjusting without a license. Roger discusses how, "If it walks like a duck and talks like a duck, it better be licensed like a duck." Andy McCabe shares a story where he had to answer some tough questions with an Oregon insurance investigator. Our guests will include:
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THURSDAYS ARE FOR The DYOJO Podcast New episodes of The DYOJO Podcast are released on Thursdays 9am PST via video through YouTube and/or audio is distributed through platforms such as Apple, Spotify, Google, etc. Learn more by visiting our website - www.thedyojo.com/podcast
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![]() Contractors and customers feel the squeeze when the insurance carrier plays pricing games with the estimating and collection process of insurance claims restoration. We discuss New Construction Pricelists being applied to restoration scenarios with contractors in Minnesota, California, and Washington. We discuss the issue, rebuttals, and resources including the Restoration Pricing Position Paper from the Advocacy and Government Affairs Committee (AGA) of the Restoration Industry Association (RIA), “New construction price settings in certain pricing programs increase labor productivity which reduces prices in a way that may not be appropriate for restoration. Indirect tasks that must occur to accomplish direct repairs – known as “Supporting Events” – may need to be appropriately adjusted due to the extent of the damage in a restoration project. This discussion educates the listener on the underlying factors which lead to these manipulations and provides the contractor with some well-thought-out rebuttals. While there are no cheat codes that will eliminate the squid games, restorers will find it refreshing to know that resources are being created and advanced regain and maintain sustainable claims practices. The DYOJO Podcast, Episode 77 includes these guests and appearances:
Sponsors of The DYOJO Podcast: * Restoration Industry Association (RIA) - Restoration Industry Association (RIA) Join your fellow intentional restorers at the RIA 2022 International Restoration Convention and Industry Expo, April 11-13 at the Peppermill Casino in Reno, NV. Let them know The DYOJO sent you. * Restoration Technical Institute (RTI) provides world-class training. Designed for those who serve the Restoration, Cleaning and Industries related to the Built Environment. * Office Services by Brandi, LLC provides unparalleled personalized bookkeeping services to a broad range of clients in many states. Brandi will help tackle the never-ending list to be done in the restoration industry by handling the R&M billings, collections and many other key areas to take the burden off the owners. THURSDAYS are for The DYOJO Podcast New episodes of The DYOJO Podcast are released on Thursdays 9am PST via video through YouTube and/or audio is distributed through platforms such as Apple, Spotify, Google, etc. Learn more by visiting our website - www.thedyojo.com/podcast We resume our series, The Xactimate Sessions. We are discussing the mindset and habits that have helped your peers in the insurance claims industry to elevate their scoping, estimating, and project management game. File 006 introduces the audience to Joyce Gabriel, a talented general manager for a full-service restoration company based in Tacoma, WA. Listeners will remember when Joyce joined us for podcast episode 52 to discuss some of the powerful tools she has learned for connecting with and interacting with your team. Joyce rejoins the podcast and helps us explore the mindset and habits for effectively training your employees to understand and utilize the Xactimate estimating software. Xactimate Podcast DiscussionThe Xactimate Sessions from The DYOJO Podcast File 006: Training Others In Xactimate Season 3, Episode 75 Guest: Joyce Gabriel, General Manager (Tacoma, WA) Our discussion includes appearances by these guests:
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The DYOJO Podcast New episodes of The DYOJO Podcast are released on Thursdays 9am PST via video through YouTube and/or audio is distributed through platforms such as Apple, Spotify, Google, etc. Learn more by visiting our website - YouTube.com/thedyojo We created the Fellowship of Construction Knowledge and Entrepreneurial Development (FoCKED) last year as a means of networking for local restoration contractors and insurance claims professionals based in the Pacific Northwest. We held in person meetings in Puyallup, Washington and had several hearty discussion on issues that contractors and entrepreneurs face daily in the marketplace as well as in their growing organizations. Is Program Work Right for Your Restoration Company?We are exploring the idea of opening the discussion to restoration contractors and insurance claims professionals on the West Coast. One area of discussion that doesn't always allow for earnest feedback online, is the topic of program work in the insurance claims world. If you or your team members have asked:
Discussing Restoration with Other ContractorsAre you interested in a contractor to contractor roundtable discussion about program, third-party administrator (TPA), and preferred vendor work? Please fill out the survey on the FoCKED webpage to express your interest. If we have enough entries, we will continue our work to set up a moderated discussion in an environment where restoration contractors can ask their peers honest questions about their wins and losses in this realm. What is fire damage chasing?What is fire chasing? In its broadest application, fire chasing would apply to any contractor showing up to a fire-damaged structure without being invited. In the extreme opposition to chasing a fire damage loss, the detractors would have you believe that the only ethical approach to such a project would be via the invite of the agent, adjuster, and/or the client. This is laughable at best given that so many of these same people likely would lambast preferred vendor or third-party administrator (TPA) work, which is where the majority of these magical invites come from. Is fire damage chasing good business?If you turn to the internet for an answer to the question of whether fire damage chasing is ethical or good business practice, you are in for a variety of opinions. Whether you are growing your career or growing your business, you must always remember one key thing – it’s your DANG journey. No one is going to walk it for you. No commenter on social media, no coach, no consultant, no author, and certainly no mediocre podcast host, is going to take the direct hits when you fail or feel the wins as deeply as you do when you succeed. While it is smart to seek and take in good counsel on any element of business that may be new to you, I think it is important to consider a few universal questions:
The history of fire damage chasingIt’s comical, and lacks historical perspective, for anyone to label fire chasing as ambulance chasing or any other derogatory term. Modern fire fighting as we know it came out of firefighters literally chasing fires and fighting each other for the right to be paid to fight the fire by the insurance company. Let Smithsonian Magazine paint the picture for you, In a scene from the film Gangs of New York, set in Civil War-era Manhattan, a crowd gathers in the night as a fire breaks out. A volunteer fire department arrives, and then another. Instead of cooperating to extinguish the blaze, the rival fire companies head straight for each other in an all-out brawl as the building burns. Providing for your family and growing your business is a battle. No one should look down on another person for trying to do either of these things. In my opinion, fire chasing is not a dirty methodology. Obviously, some people do it in less than reputable ways and it is important for members of the industry to address this. Bad actors are bad for your reputation in a local market and the perception of the industry as a whole.
More on the topic of fire damage chasingThis is an excerpt of an article that was published by Cleaning and Restoration (C&R) Magazine, please read the full article for additional information and context.
Additional Resources from The DYOJO
Episode 74 of The DYOJO Podcast will release on YouTube and Spotify on Thursday, January 13, 2022 at 9am PST. This will be the first part of a multi-part discussion on the topic of insurance appraisals for property damage repairs and restoration. We will discuss what the insurance appraisal process is with a veteran of the industry who is a public adjuster and a claims advocate who, "Calls them like he sees them." What is an insurance appraisal?According to our guest, Roger Howson, and his organization Claims Dispute Resolution: In property insurance, the terms “appraisal” and “appraisement” refer to a private adjudicatory process created in an insurance policy by which disputes over the amount of a loss are resolved by competent and disinterested appraisers. The purpose of an appraisal provision is to provide a determination of the extent of the loss. When triggered, the appraisal process is mandatory unless the other party agrees to waive its right to appraisal. Property damage insurance appraisalsThis is a introductory video for the upcoming episode of The DYOJO Podcast addressing the topic of insurance appraisals for property damage claims with special guest Roger Howson. Our audience will benefit from hearing many perspectives on this topic as well as topics that intersect with this issue including:
Insurance appraisal podcastOur ensemble discussion on this topic will include:
The DYOJO Podcast New episodes of The DYOJO Podcast are released on Thursdays 9am PST via video through YouTube and/or audio is distributed through platforms such as Apple, Spotify, Google, etc. Learn more by visiting our website - www.thedyojo.com/listen |
AuthorJon Isaacson, The Intentional Restorer, is a 19 year veteran of the property restoration industry and a business coach through his organization The DYOJO. Archives
May 2022
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