Excellent info provided by Xeneros about Lessons Learned post Isaac on Louisiana Adjuster licensing issues

September 9, 2012

We had posted a blog with information about Louisiana adjuster licensing as Isaac was approaching the Louisiana coast as the rules regarding working claims in Louisiana had totally changed after Katrina hit which was the last time many independent adjusters had worked there. If you missed that blog, here is the link:

https://dimechimes.wordpress.com/2012/08/27/louisiana-claim-licensing-claim-regulations-breaking-news-more-on-hurricane-isaac/

Xeneros who provides nationwide insurance claims adjuster licensing services for all of your needs has written an excellent blog here outlining problems adjusters, independent adjusting firms, and carriers faced post Isaac landfall as they were unaware of the new licensing procedures in Louisiana.

Great and important information we wanted to share with our readers!


Louisiana Claim licensing, Claim Regulations, Breaking news, more on Hurricane Isaac

August 27, 2012

Here are resources claim professionals will need for working claims in Louisiana for Hurricane Isaac:

Louisiana Licensing Bulletin effective 2010:

http://www.ldi.la.gov/Licensing/Producer/ApplicationInformation.html

**Make sure to see comments on Page 3 of the below

info on emergency adjuster licenses

http://www.ldi.louisiana.gov/Documents/Licensing/Adjuster/BecomingALicensedAdjusterInLA.pdf

Louisiana Governor Bobby Jindal declares emergency for LA:

http://gov.louisiana.gov/index.cfm?md=newsroom&tmp=detail&articleID=3586

Claim handling legislation for Louisiana as posted on PC360″

http://publish.sbmcloud.com/media/pdf/pc360/claims-guidelines/Louisiana.pdf

Louisiana Windpool known as Citizens of LA website and frequently asked questions (note what it says about your claim being handled by an independent adjuster and home page saying they are closed until 8/31/12- yikes!):

http://www.lacitizens.com/ClaimFAQ.aspx

Greater New Orleans breaking news on Issac through Times-Picayune news at (note this website was well known for it’s consumer blogs on claims during Katrina):

http://www.nola.com/

Here’s an important case you should know about with Louisiana Citizens on the massive class action they lost there as a result of claim handling delays in 2005:

http://news.yahoo.com/louisiana-citizens-loses-state-high-court-fight-202946833.html


Important information on handling claims in Alabama you may need if working claims in Alabama for Hurricane Isaac

August 27, 2012

Here is important information claim professionals will need if they plan to work claims in Alabama as a result of Isaac to include the Governor emergency declaration, the link for AL emergency adjuster licenses, and claim handling information as well as links to breaking news from the Mobile Press register:

Alabama

Alabama Windpool Info and Links:

https://aiua.org/

Basic AL windpool policy info:

https://aiua.org/pages/basic_coverage

Alabama Emergency Management Website and Contact Numbers:

http://ema.alabama.gov/

Alabama Governor Robert Bentley’s office issues Declaration of Emergency and Evacuation Orders:

http://www.governor.alabama.gov/news/news_detail.aspx?ID=6894

Alabama Department of Insurance link for Emergency Adjuster licenses now that Emergency Declaration Order has been issued for Isaac:

http://www.aldoi.gov/Licensing/EmergencyAdjusterInfo.aspx

Alabama Claim Handling Regulations as posted on Property360.com:

http://publish.sbmcloud.com/media/pdf/pc360/claims-guidelines/Alabama.pdf

Alabama Department of Insurance Claim Handling Regulations for Property and Casualty Claims:

All of these shown regulations below can be found here:

http://www.alabamaadministrativecode.state.al.us/docs/ins/index.html

CHAPTER 482-1-125 STANDARDS FOR PROPERTY/CASUALTY INSURANCE CLAIMS

http://www.alabamaadministrativecode.state.al.us/docs/ins/index.html

CHAPTER 482-1-135 MEDIATION ALTERNATIVE PROCEDURES FOR RESOLUTION OF DISPUTED PERSONAL LINES INSURANCE CLAIMS ARISING FROM HURRICANE, TROPICAL STORM, TORNADOS AND OTHER DISASTERS DAMAGE

CHAPTER 482-1-150

ESTIMATION OF REPLACEMENT COST OF INSURED DWELLINGS

Breaking news link at Alabama Press Register:

http://blog.al.com/live/index.html


Louisiana Citizens Insurance Company offers $80 million to settle fines over claim handling delays from Katrina and Rita hurricanes

February 10, 2012

There are numerous articles out this week regarding Louisiana Citizens Insurance company and attempts between all parties involved in settlement negotiations.

This article states that yesterday Louisiana Citizens Insurance Company offered $80 million to resolve this class action suit, Geraldine R. Oubre et al v. Louisiana Citizens in the 34th Judicial District Court in Jefferson Parish , with approximately 18,000 policyholders while approximately 6,500 other claims still are pending at the carrier:

www.houmatoday.com/article/20120209/WIRE/120209535/0/entertainment02

The next article from NOLA.com  of 1/31/12 explains the US Supreme Court refused to delay the judgment against Citizens of Louisiana:

http://www.nola.com/crime/index.ssf/2012/01/high_court_refuses_to_delay_ci.html

This next article from 2/3/12 discusses the $6 million fees to seize the assets to the sherriff’s office following the Supreme Court 1/31/12 decision:

http://legalnewsgroup.com/2012/02/03/louisiana-citizens-goes-to-u-s-supreme-court/5040

In a different class action titled CHALONA v. LOUISIANA CITIZENS PROPERTY INSURANCE CORPORATION No. 2008-CA-0257. Fourth Circuit, the Louisiana Supreme Court had granted class action to this group as well. For complete details you can view this article which explains how the two class actions may overlap but says in part:

“While it is possible that some individuals could be included as members of both the Oubre class and the instant class, the relief sought in the two cases is not the same.   Thus, a judgment in the Oubre lawsuit would not have the effect of res judicata in the instant suit.   Although the defined classes in the instant case and the Oubre case may overlap, we do not find that the court was manifestly erroneous in denying LCPIC’s lis pendens exception.”

http://caselaw.findlaw.com/la-court-of-appeal/1003260.html

I’ll add articles to this blog as I can locate updated information regarding the settlement of these cases. If you can provide links to court documents or pdf of same, let me know and I’ll add them to this topic. We’d also appreciate any legal counsel who would like to interpret this information into layman’s terms for the rest of us and what impact this will have on other state run insurance companies in the future.

All articles located do say that these fees will be passed on  as assessments to insurance carriers doing business in the state and thus ultimately on to policyholders.

#Update 2/11- Here’s another article discussing the settlement negotiations and criticism for the negotiations being made public:

http://www.propertycasualty360.com/2012/02/10/talks-to-settle-louisiana-citizens-class-action-be?t=regulation-legislation


List of 2011 Independent Adjusting firms with Citizens of FL Tier One (Direct) Contracts

October 25, 2011

For those of you asking due to approaching Hurricane Rina- here is the link to the list up on the Citizens of Florida website with the list of Independent Adjusting firms with direct assignment contracts with Citizens as of 9/8/11 per the date on their pdf:

https://www.citizensfla.com/shared/purchasing/pdfs/AdjustingFirmsRegisteredWithCitizens.pdf

I see Eberls Claims is on the list who is a ClaimSmentor Sponsor so please let them know we sent you if you apply! There are some great firms to choose from on the list so good luck out there should Hurricane Rina strike Florida!


Hurricane Rina- Now a Category 2 Hurricane- see projected path- Is Florida a Potential Target?

October 25, 2011

Here is the latest 11 am statistics for Hurricane Rina and projections for a possible Florida target location from Central Florida news:

http://www.cfnews13.com/article/news/2011/october/333804/Could-Florida-be-a-potential-target-for-Rina-and-new-low-in-tropics

I’ll have the selected Citizens of Florida 2011 Vendor link posted later today for those looking for legitimate Florida assignments from assigned vendors. As anyone who follows my information, I do not recommend ANY adjuster work for anything but a Level I adjusting firm- meaning a firm who has the direct assignment with a carrier- not a 2nd, 3rd, or more tier adjusting firm for your own protection getting paid. More on all of this in a later post today.


Bill Introduced in MS to have feds decide wind vs water on claim disputes- Your thoughts?

May 31, 2011

A bill has been introduced in Mississippi to have feds decide wind vs water on claim disputes on hurricane losses. I have shared this link with several Linkedin groups for opinions and would like to share it here as well. Feel free to post your comments in response to this story. Do you think it will pass? What effect if any do you see as to how this would impact insurance carriers willing to write coverage in MS?

http://blog.al.com/live/2011/05/bill_would_let_feds_decide_win.html