Podcast
What's the Scenario? with PLRB
Hosted by PLRB · EN
Formerly "PLRB on Demand", this podcast feed is being rebooted as "What's the Scenario? with PLRB." Each week you'll find a 20-minute episode that addresses a claims or coverage scenario and answers interesting insurance questions. Our PLRB team of Alissha Watley, Mike Brode, and Tim Havlir will discuss terrorism, pandemics, fireworks, NFTs, aggressive contractors, phone scams, matching, vacation rentals, and more. Stay subscribed to this feed and check back in the new year for a new podcast.
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Please reach out to us with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. If you send us an audio clip, we may use the audio in the show, though again we will only include material we can anonymize.
Legal Information
The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate.
19episodes
Episodes
Newest firstAll episodes
[REPLAY] Bumping Brewery Bollards
2w ago00:19:24Tap to summarize[REPLAY] This week, check out a podcast featured in PLRB's new PACE Program: "The new PLRB Advanced Coverage Education (PACE) designation is more than a credential. It's a powerful way to strengthen your claims expertise. PACE begins with a Core Curriculum that builds a foundation in insurance basics and the claims process. From there, professionals can grow through Business LineTracks that support field-specific development, and Claims Intensives that dive deeper into essential topics like fraud and ethics. Developed with PLRB's long‑standing commitment to high‑quality education, PACE helps claims professionals work with greater clarity, consistency, and confidence. And because certification courses are included in PLRB Membership, with discounted designation fees, it's a valuable investment in both employee development and organizational success. PACE supports professionals at every stage of their careers and helps teams work more confidently and efficiently." A brewery owner had bollards installed outside the building for safety purposes. One day a teenager veered off the road into one of the bollards, damaging it and the car. The adjuster is wondering if there should be no coverage on the basis that a bollard is a fence. Notable Timestamps [ 00:26 ] - The building owner submits the claim to their property insurer, looking for coverage for a new bollard. They have a standard CP 00 10 10 12, which does not include coverage for fences if the cause of loss was an accidental vehicle crash. [ 01:34 ] - Trivia time! What is a "pub" short for? How many Clydesdales are hitched to the Budweiser wagon? Lite beer was introduced into the U.S. in what decade? [ 04:15 ] - A bollard is a short pole or stump placed to prevent vehicle access without preventing pedestrian access. These may be seen at the entrances to bike paths, or out in front of buildings or arenas. [ 05:40 ] - Under the CP form, a bollard would initially fit under building coverage as an external fixture. Fences are excluded except for certain types of losses (not including this kind of loss). [ 07:30 ] - A line of bollards, like a fence, is something like a barrier that marks a boundary. But, there is no continuity between posts, and it does not prevent pedestrian access. [ 09:11 ] - A historic moment: the team agrees on something! [ 09:37 ] - Courts typically do not construe ambiguous exclusions broadly. "If it's gray, you must pay." [ 10:40 ] - Declarations Pages are typically more detailed in CP forms, and often include small structures. However, at least one court chose not to penalize an insured for failing to list a series of (light) posts. [ 12:26 ] - If a Declarations Page lists most structures specifically but omits some, that may create an issue for the insured. [ 13:25 ] - Strong subrogration potential exists here against the driver. [ 14:30 ] - A cement block wall was considered a fence... at least according to a 1959 case, and under a grant of coverage which is typically construed more broadly. [ 16:40 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Bollards: Do They Qualify As Fences? – PCQ.2017.05.09.twh.a - https://www.plrb.org/documents/bollards-do-they-qualify-as-fences-pcq-2017-05-09-twh-a/ Annotation: Property Outside Buildings (CP622) - https://www.plrb.org/documents/property-outside-buildings-cp622/ Chippewa Country Valley Festival v. Little Black Mut Ins Co (2002) - https://www.plrb.org/documents/chippewa-country-valley-festival-v-little-black-mut-ins-co-2002/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
Transcribe →Fact or Fixture? That Ceiling Tile is Personal Property!
3w ago00:23:34Tap to summarizeThe roof of a 100-year-old farmhouse suddenly collapses under the weight of water. The building was insured under a farm policy that, in this case, only provided coverage for personal property and not the dwelling or real property. The insured claims that the carpet, water heater, and even ceiling tiles are all personal property, and therefore covered! What is a fixture? Notable Timestamps [ 00:00 ] - The episode explores how fixture disputes affect insurance coverage, using a collapsed farmhouse roof scenario where coverage depended on whether damaged items qualified as personal property or part of the dwelling. [ 01:18 ] - The hosts announce the launch of the PACE Program, highlighting it as a new educational resource now available for insurance professionals looking to expand their industry knowledge. [ 03:00 ] - Whether something is a fixture can impact both available coverage and policy limits. [ 06:24 ] - Built-in shelving and ceiling fans are discussed as likely fixtures because they are permanently attached, difficult to move, and generally intended to remain with the property over time. [ 08:06 ] - Portable appliances like air fryers and mini fridges are contrasted with fixtures because owners clearly intend to take them when moving, making them easier to classify as personal property. [ 09:51 ] - Wall-to-wall carpeting illustrates the gray areas in fixture analysis, as courts may examine attachment methods, customization, and whether the carpet could realistically be removed and reused elsewhere. [ 12:22 ] - Furnaces and water heaters seem like obvious fixtures, yet disputes can still arise when tenants claim ownership and argue they intended to remove the equipment when leaving the property. [ 16:52 ] - Decorative ceiling tiles from a 100-year-old farmhouse became the focus of a court case, where the court ultimately ruled they were fixtures because they enhanced the property and were intended to stay with the home. [ 21:31 ] - The closing takeaways emphasize that courts analyze factors like physical attachment, ease of removal, and the parties' intent when determining whether property qualifies as a fixture under insurance policies. Your PLRB Resources Check out the PACE Program! https://www.plrb.org/pace-program/ Dwelling - Coverage A (HO11) https://members.plrb.org/documents/dwelling-ho11#toc26 Pierce v. State Farm Fire & Cas. Co. (2020) https://members.plrb.org/documents/pierce-v-state-farm-fire-cas-co-2020 Tenant Improvements & Betterments in Commercial Cases https://members.plrb.org/education/courses/tenant-improvements-amp-betterments-in-commercial-cases Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
Transcribe →Classes & Categories of Water: a PACE Program Exercise
4w ago00:23:48Tap to summarizeA foot of stormwater in your home, and a contractor saying "Let's dry it in place?" That was the scenario explored in Courtney Makris' PLRB Presents talk "When the Storm Hits Home: Courtney's Personal Journey through Hurricane Helene," and today Mike & Brennan will look at that scenario through the lens of the Categories & Classes of water, with the help of a PACE Program exercise. Notable Timestamps [ 00:06 ] - The episode introduces a real-world water loss scenario tied to a major storm, highlighting how widespread damage and contractor recommendations can complicate mitigation decisions for adjusters. [ 01:05 ] - The discussion draws from a hurricane case study and shifts focus to how water "categories" and "classes" relate to the standards guiding mitigation decisions. [ 04:24 ] - Water losses are a major focus in claims education, covering issues like pipe breaks, backups vs. overflows, and wind-driven rain—showing how varied and complex water damage scenarios can be. [ 05:11 ] - Not all water is equal; category classifications depend on contamination levels, meaning the source and exposure history of water directly impact risk and required remediation. [ 06:02 ] - Category 1 water can be clean and sanitary, Category 2 introduces contaminants that may cause illness, and Category 3 can be highly hazardous, often containing toxic or pathogenic substances. [ 07:25 ] - Practical examples like dishwasher discharge illustrate how the same appliance can produce different water categories depending on whether the source is incoming clean water or outgoing waste. [ 10:36 ] - Even seemingly clean sources like rainwater can shift categories based on contact with materials or time sitting stagnant, emphasizing that context and exposure matter. [ 12:20 ] - Floodwater is nearly always Category 3 due to contamination from ground contact and stagnation, making it especially dangerous despite common public perceptions. [ 14:46 ] - Water "class" differs from category by focusing on how much water is present, how deeply it's absorbed, and how difficult it is to dry. [ 19:01 ] - Mitigation strategies vary widely: clean water may allow simple drying, while contaminated water often requires removal of materials like drywall and insulation. Your PLRB Resources Check out the PACE Program! https://www.plrb.org/pace-program/ When the Storm Hits Home: Courtney's Personal Journey through Hurricane Helene https://youtu.be/2VE7i_0KAKc Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
Transcribe →The Personal Property Inventory Game Show!
Apr 2400:24:23Tap to summarizeA fire broke out in the insured's basement, where various household and personal items were stored. The insured husband is a recreational pilot. His wife is an accountant. Their two children and dog also live in the home with them. The fire caused heavy smoke and heat damage throughout the basement and adjoining utility room. The insured provided a personal property inventory form listing everything believed to be damaged or destroyed. What falls under Property Not Covered? In this preview of the PACE program's personal lines course, we'll explore the basics of the different roles in the insurance industry. Notable Timestamps [ 00:07 ] - The scenario introduces a basement fire damaging stored personal property, setting up a practical lens for analyzing what items may or may not be covered under a homeowners policy. [ 03:10 ] - The PACE program is designed to guide learners through the full claims lifecycle, from coverage analysis to investigation and resolution, providing both foundational and advanced insights. [ 06:15 ] - Understanding home construction elements like plumbing, roofing, and wiring can directly impact coverage analysis, as these features often influence cause, scope, and policy interpretation. [ 07:20 ] - A key distinction: exclusions focus on *why* damage occurred, while Property Not Covered provisions focus on *what* was damaged. [ 08:05 ] - Policies may list numerous categories of Property Not Covered, including animals, motor vehicles, aircraft parts, and certain business or digital assets. [ 10:45 ] - Personal property inventories are critical documents in claims handling, requiring adjusters to evaluate each listed item against policy language and applicable coverage limitations. [ 13:40 ] - Some items, like pet-related supplies, may be covered even when the pet itself is not, highlighting the importance of distinguishing between living property and associated goods. [ 17:30 ] - Virtual currency presents valuation and verification challenges, which is why it is typically listed under Property Not Covered and may require specialized coverage or endorsements. [ 19:45 ] - Property Not Covered likely applies to aircraft parts regardless of how they are intended to be used. [ 21:10 ] - Generally speaking, ambiguities favor the insured, but ambiguity only occurs when terms are reasonably open to multiple meanings. Your PLRB Resources Sign Up for Updates on the Designation Program! https://2it6qrau8fd.typeform.com/pacedesignation Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
Transcribe →Who's Who in the Industry?
Apr 1700:20:08Tap to summarizeA major storm hits the city. Sarah's bakery suffers roof damage, water leakage, and equipment loss. Sarah has heard lots of insurance job titles thrown around: policyholder, agent, broker, adjuster, underwriter, actuary-- who are all these people? In this preview of the PACE program's core on-boarding course, we'll explore the basics of the different roles in the insurance industry. Notable Timestamps [ 00:00 ] - The episode opens with a storm-damage scenario at Sara's bakery, setting up a practical lens for understanding insurance roles and how multiple professionals intersect during a single claim event. [ 00:59 ] - The lighthearted "Dec Page" segment underscores how real-world disruptions—like severe Midwest storms affecting travel—mirror the unpredictability that drives many insurance claims. [ 04:42 ] - The PACE program is practical and scenario-driven, aiming to demystify industry jargon and help both newcomers and experienced professionals apply concepts across claims and underwriting contexts. [ 06:25 ] - The "insurer" is the insurance company, while the "insured" is the policyholder. [ 08:02 ] - Insurance roles are tied to broader processes, including application, underwriting, claims handling, and premium rating, reinforcing that each role fits into a larger operational lifecycle. [ 10:11 ] - Agents typically represent the insurer (sometimes as captive or independent), while brokers represent the policyholder, helping match complex risks with appropriate carriers. [ 12:13 ] - Agents and brokers often remain involved beyond policy purchase, serving as trusted first contacts when a loss occurs and guiding policyholders through the claims process. [ 14:08 ] - Adjusters and claims professionals evaluate damage, determine coverage, and help restore policyholders, while TPAs and independent adjusters may be hired to handle claims on behalf of insurers. [ 16:46 ] - Because titles vary widely, professionals are encouraged to clearly introduce their role to policyholders, improving understanding and trust during what can be a confusing claims experience. [ 18:15 ] - Final takeaways reinforce core distinctions (insurer vs. insured), note that definitions may vary by policy, and highlight the importance of understanding agents, brokers, adjusters, and TPAs. Your PLRB Resources Sign Up for Updates on the Designation Program! https://2it6qrau8fd.typeform.com/pacedesignation Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
Transcribe →The PACE Designation Program
Apr 1000:17:41Tap to summarizeA claims supervisor with plenty of adjusting experience is looking to open doors to new opportunities with a credential that will signal their advanced claims knowledge. They're also responsible for onboarding some new adjusters who are brand new to the field of insurance, and need to get ready to handle claims. As PLRB members, they'll have access to the PACE Designation Program, which can equip participants with the skills and confidence needed to excel in key areas of claims handling. Notable Timestamps [ 02:07 ] - Introducing a fun new segment called "The Dec Page," our hosts reflect on the 2026 PLRB Claims Conference, highlighting the value of in-person learning, networking, and shared industry enthusiasm in a conference setting. [ 04:18 ] - The PACE Designation Program has been announced! This structured educational initiative is designed to help participants better understand insurance concepts through a guided and engaging learning experience. [ 05:09 ] - The PACE Designation Program starts with a Core, building foundational claims and coverage understanding to empower learners to advance to more complex topics. The Personal Lines Track then dives deep into residential and Homeowners losses. [ 07:46 ] - "Claims intensives" offer flexibility within the program, allowing learners to tailor their path based on interests and career goals. [ 11:54 ] - The program was developed using member feedback, addressing a clear need for training both new entrants unfamiliar with insurance and experienced professionals seeking deeper expertise. [ 12:47 ] - The PACE Designation Program covers both foundational claims concepts and material specific to each line of business (starting with Personal Lines). [ 13:05 ] - Advanced content explores nuanced coverage issues, including policy interpretation and legal influences, reflecting the complexity and depth of real-world claims decision-making. [ 13:50 ] - The program extends beyond technical skills to include ethics, fraud awareness, and people skills, reinforcing the well-rounded competencies needed in modern claims roles. [ 14:58 ] - Future expansions aim to include additional lines like casualty and auto, along with commercial coverage, positioning the program as a comprehensive, multi-discipline education track. Your PLRB Resources Sign Up to Learn More! https://2it6qrau8fd.typeform.com/pacedesignation Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
Transcribe →What's the Scenario? 100th Episode
Apr 300:16:32Tap to summarizeFor our 100th episode, we'd like to share these clips from three exemplary episodes: one each from a property, casualty, and auto example. My Son Set Off Fireworks in My House Is there an exclusion for stupid? Join Alissha, Mike, and Tim to discuss bad decisions, wedding rings stuck on fingers, dumpster fires, and whether the choice to set off a firework inside a house is considered "intentional" under the policy. Game Show Time! What Kind of Vehicle Is It? Anytime something with wheels leads to a claim, Parker's colleagues come to Parker to find out whether the claim should fall under the CGL policy or the auto policy… or a secret third option. Your Insurance Policy Will Decide When You're Done Ridesharing A "FastFeast" driver ends their shift but forgets to log out of the app. On the way home, they crash—and their insurance denies the claim. Why? They were still "on the job." In the gig economy, one tap can mean the difference between coverage and denial.
Transcribe →[REPLAY] Can a Bear Do Vandalism? The First Episode of "What's the Scenario? with PLRB"
Mar 2700:11:35Tap to summarizeWe're taking a break this week after another successful PLRB Claims Conference. As we gear up for this podcast's 100th episode next week, we'd like to re-share the very first episode. Alissha, Tim, and Mike introduce a complete rebranding of PLRB's podcast as "What's the Scenario? with PLRB", starting with a mini-scenario on a bear attack. Notable Timestamps [ 00:16 ] - A family went camping, only for their personal property to be destroyed by a bear. [ 01:41 ] - The team introduces themselves. Alissha Watley is Senior Meetings Manager at PLRB responsible for some of PLRB's annual conferences. Tim Havlir is Property Coverage Counsel at PLRB with years of experience answering coverage questions. Mike Brode is Vice President of Educational and Technical Services at PLRB managing PLRB's educational offerings, both live and online. [ 02:36 ] - This podcast is intended for insurance industry professionals who need quick-hit trainings on coverage issues that answer interesting insurance questions relevant to their daily work. These 20-minute episodes will provide clear explanations of complex coverage problems, answers to burning questions from real adjusters, and analysis of the latest trends, all grounded in true-to-life scenarios that authentically capture the insurance professional's experience. [ 03:10 ] - Topics to be covered include terrorism, pandemics, fireworks, NFTs, aggressive contractors, phone scams, matching, vacation rentals, and more. [ 05:00 ] - Back to the bear attack, the property would be considered covered property; it doesn't matter that it's off-premises. [ 06:13 ] - In this named policy, vandalism requires a mental state of intent which the bear did not have. The same issue applies to other perils such as theft and malicious mischief. [ 08:30 ] - There is no named peril for damage by animals. Your PLRB Resources Homeowners Annotation on Theft - https://search.plrb.org/?dn=135&src=gsa Homeowners Annotation on Vandalism - https://search.plrb.org/?dn=150&src=gsa Coverage Question "Raccoon Cannot Cause Malicious Mischief or Vandalism" - https://search.plrb.org/?dn=26392&src=gsa Coverage Question "Birds Cannot Commit Theft" - https://search.plrb.org/?dn=25272&src=gsa Coverage Question "Vandalism and Malicious Mischief Involving Cows" - https://search.plrb.org/?dn=85933&src=gsa Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org with your story. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). https://thenounproject.com/icon/bear-4387678/ https://fontawesome.com/icons/tent?f=classic&s=solid https://thenounproject.com/icon/steak-766620/ https://thenounproject.com/icon/grill-5779567/
Transcribe →[REPLAY] The PLRB Expo: Connection & Community
Mar 2000:22:29Tap to summarizeRight now we're gearing up for next week's PLRB Claims Conference. So this week, we're sharing a recent episode discussing how to make the most of the PLRB Insurance Services Expo. You're a new exhibitor, and you're excited and anxious about your first visit to the PLRB Claims Conference. How will you handle the rushes of attendees and the breaks between them? How will you build relationships that will last after you leave the Expo floor? What tone will you strike with members? Gemcor has been attending PLRB since 1984, just three years after our dad founded the company. It's the one conference we commit to every single year, and today we'll share our perspective. Notable Timestamps [ 00:58 ] - In this scenario, a new exhibitor is hoping for success at the upcoming PLRB conference. [ 03:27 ] - The team discusses their favorite conference locations. [ 07:59 ] - Successful exhibitors emphasize consistency and face-to-face connection as the core driver of lasting client relationships. [ 10:57 ] - Every conversation counts, even if someone isn't a potential client at that moment. [ 12:07 ] - Conferences surface real-time industry trends and information, from informal hallway conversations. [ 13:19 ] - Downtime isn't wasted time if it's used appropriately. [ 14:55 ] - Follow-up is critical to keep the momentum going after a conference. [ 16:40 ] - Booth presence matters: engaged, approachable exhibitors attract more meaningful interactions. [ 17:49 ] - Dana summarizes the key points above. Your PLRB Resources PLRB Events: Upcoming Events - https://members.plrb.org/events/ Claims Conference: Event Site - http://www.plrbclaimsconference.org/ Affiliate Membership: Which PLRB Affiliate Membership Is Right for You? - https://www.plrb.org/affiliate/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
Transcribe →What's New with Third-Party Supplements? with Steve Badger
Mar 1300:19:49Tap to summarizeAn adjuster starts to close the file on a roofing claim. The adjuster had worked closely with the roofing contractor and saw the claim through to its resolution, with the contractor getting paid in full. Then the adjuster receives an invoice with a supplement, from a company in another state. Upon calling the insured, they had no awareness of this company. Today Steven Badger from Zelle LLP will address these and other topics as we continue our discussion on "hot topics" in hail claims. Notable Timestamps [00:01] - Some in the industry describe the "reclaim game" as when an insured gets paid on a prior roof claim, never fixes the roof, then years later submits a new claim for the same unresolved damage. [02:52] - On every new claim, adjusters can ask if the insured has ever filed a prior claim for the same damage, as opposed to relying solely on industry claim-history reports. [03:45] - Early investigation often includes reviewing historical aerial and street-view imagery plus a low-cost hail history report to understand the roof's actual damage timeline. [05:32] - Establishing coverage for business or goodwill reasons can open the door for supplementation. [06:29] - Permit records, especially for commercial roofs, can confirm whether a claimed roof replacement really occurred and reveal the value and scope of prior work. [07:35] - Is a supplement being submitted by the contractor who actually did the work or by a third-party supplement firm? [13:08] - When contractors waive or absorb deductibles, insurers can request proof the deductible was paid. [14:48] - Contractors who take over the claim process without a public adjuster license may be committing the unauthorized practice of public adjusting in certain circumstances. [17:19] - Even in contentious claims, both sides can resolve disputes fairly and professionally. Your PLRB Resources Steve Badger's LinkedIn https://www.linkedin.com/in/steven-badger-467b0322/ Recorded Webinar: Resolving High Estimates and Post Work Supplementals https://members.plrb.org/education/courses/resolving-high-estimates-and-post-work-supplementals Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).
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