We'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.

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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/