Bottom Line Up Front When you’re staring at an underpaid claim, the worst move is firing off a frustrated email to the desk adjuster and hoping for the best. Your next steps need to be methodical: rebuild the file from the ground up, document every gap between the carrier’s number and your estimate, and work … Read more
Bottom Line Up Front Basement flooding claims are high-friction by nature — coverage disputes between sewer backup endorsements, surface water exclusions, and sudden-discharge language mean the carrier’s first position is rarely their best position. Your job starts before FNOL: qualify the coverage, lock down the cause of loss, and build a file the desk adjuster … Read more
Bottom Line Up Front Your claims pipeline is the single operational lever that separates PAs who grind on volume and still miss revenue from those who run lean, close fast, and scale predictably. If you can’t see every active file’s stage, value, and next action at a glance, you’re not managing a pipeline — you’re … Read more
Bottom Line Up Front When a prospective client asks about red flags when hiring a public adjuster, your answer is your first audition — and your hiring process is the real interview. The warning signs that sink policyholders are often the same operational failures that sink PA firms: disorganized files, inconsistent follow-up, no transparent claim … Read more
Bottom Line Up Front Assignment of benefits (AOB) transfers the policyholder’s claim payment rights directly to the contractor, fundamentally changing your role as their PA and creating operational complexities that can torpedo your fee collection. When contractors hold AOB agreements, you’re negotiating claim value while they control settlement timing and payment direction — a dynamic … Read more
Bottom Line Up Front Prompt payment laws insurance claims represent your strongest leverage against carrier delays, but most PAs either invoke them too early or miss the statutory deadlines entirely. Master the timelines in your key states, document every carrier interaction with timestamps, and build enforcement into your claims management workflow — because carriers know … Read more
Bottom Line Up Front Effective claims management transforms your practice from chaos to predictable revenue. Your pipeline should track claim status, carrier response times, and supplement cycles — not just dollar amounts — while your documentation standards must withstand desk adjuster scrutiny and appraisal review. The firms scaling past seven figures automate routine carrier communication, … Read more
Bottom Line Up Front An examination under oath (EUO) is the carrier’s nuclear option — they’re either building a denial case or testing whether you’ve prepared your insured properly. Your response in the first 48 hours determines whether this becomes routine cooperation or the beginning of coverage litigation that kills your timeline and fee collection. … Read more
Bottom Line Up Front Responding to reservation of rights letters requires immediate documentation, strategic communication, and clear positioning with your policyholder about potential coverage gaps. Your response sets the tone for the entire claim — treat it as the opening move in a negotiation, not administrative paperwork. Document everything, preserve your client’s rights, and use … Read more
Bottom Line Up Front Handling carrier inspection means controlling the narrative before the adjuster arrives, documenting every interaction, and positioning your scope as the baseline for negotiations. Your preparation determines whether you’re defending your estimate or the carrier is justifying their denials. The Claims Lifecycle for PAs FNOL Intake and Initial Assessment Your claims lifecycle … Read more