Labor day weekend was a great time for many adjusters to enjoy one of their favorite sports…golf.
I thought this was a great time to bring up a few recent articles on the subject. All adjusters know it is rare for a claim conference not to include a golf tournament. Here is a great article by CNN Money titled “Must I play golf to get ahead” that I think provides some great advice!
We talk talk talk about resumes, rosters, deployments and don’t bring up how important informal social network groups are to our careers. I think you’ll find some interesting statistics in this CNN article. You can find so many other opportunities for social networking in the claims adjusting community through activities at your local Claims Association meetings, through forums such as ours at ClaimSmentor, and Claim Conferences such as the annual NACA January convention for catastrophe adjusters.
We came across this recent CA Supreme Court case involving State Farm which states:
“Being struck by a carelessly hit ball is an inherent risk of the sport,” the justices declared Thursday”
This case was applicable to injuries to other golfers and alludes to coverage to non participants.
I didn’t have time today to locate many internet cases on golf ball accidents to car windshields, home windows knocked out from the course,etc but I know I for one paid many such liability cases or damage to property of other cases (DPO)over the years! Just check the policy provisions for the carrier involved if assigned such a case.as well as state law applicable to your case. Here is an interesting article on home ownership near a golf course and things to avoid. I never realized how much damage golf balls can cause to a home until a good friend of mine became distressed due to the constant new damage to her home causing her to finally sell it a year or two after purchase. Here is another good article on errant golf balls and also discusses “trespass” issues and golf hazards as well as this article discussing liability for the golf course itself for errant balls. Here is another interesting article about cases in MA for property damage to adjoining residents property.
Hey, we already knew that! Adjusters are very familiar with the damage that “golf ball size hail” creates! If you’ve never reviewed NOAA’s official hail size descriptions, golf ball size hail is described as 1.75 inches in diameter. ( Just some interesting “golf” trivia that has nothing of course to do with the CA case!)
If your new in claims, or an adjuster who happens to be a new golfer, you might want to read this Rough Notes guide on golf cart liability coverage and exclusions while your thinking about taking up the game. Here is also an example of property damage coverage on golf carts in an ISO 2000 program with options for endorsement ISO HO 0528 for property coverage while other HO package policies may cover the cart itself. Some folks consider a floater policy specifically scheduling their golf equipment as shown in this article.Here is also an interesting article covering what kind of coverage a golf course program must consider to insure the golf course grounds and buildings. There is also a great expense put out by firms hosting the golf tournaments for insurance and awards..just look around this site as one example!
We maintain a running “Comprehensive Equipment” list on ClaimSmentor for new adjusters outlining everything they need to bring with them on their first storm with the input of our participants.We even had an interesting entry from one adjuster that buys hard golf club cases at the local thrift stores for transporting some of his cat adjuster equipment to storm duty using them to store office supplies such as tape, staplers, tape measures, etc. as he can easily move them to hotel rooms from his vehicle. You can never underestimate the mind of a cat adjuster trying to figure out alternative ways to move a mass amount equipment needed into a small truck or car for storm duty!
We hope everyone had a great labor day weekend. If you missed our blog on some interesting info on Labor day and the 12 hour days/ 7 days a week work hours in the late 1800’s that lead to some of the Labor day unions, read here. Very interesting to note that in 2007 insurance companies are requiring those very hours from catastrophe adjusters!