Originally published by Phillip Sanov.
Last week, I was part of a larger discussion with public adjusters addressing fresh perspectives on claim presentation. We discussed points and reminders aimed at helping public adjusters get their clients claims fully and promptly paid.
For those not involved in the discussion, here are some points we tackled regarding pictures documenting the claim.1
BEFORE & AFTER
Recent claim results compel me to emphasize public adjusters focus on Before & After well beyond previous file workups. I find carriers more and more relying on pre-existing condition/wear-and-tear exclusions to avoid coverage. When claim presentations also include “before” pictures, those exclusions can be de-emphasized.
Challenges often exist in getting these “before” pictures. Marketing materials, advertising materials, and social media typically remain helpful sources to help policyholders provide these pictures. If these sources stay empty, one may have to rely on witness statements…
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