Introduction to Insurance Claims Adjusting

Welcome to the world of the insurance claims adjuster. This course introduces the insurance claims adjusting profession as it began more than a century ago, up through the latest advances in claims tools and processes, provides a detailed examination of the customary activities of an adjuster, and the importance that the role an adjuster plays in today’s society.

1 Hour General CE
Course ID #97849
$7.55

Medicare Setasides and Claims Management

Over the past several years, the issue of Medicare Setasides has reached the ears of many insurance carriers and claims and legal practitioners, and has created confusion, uncertainty and doubt about what to do and how to do it. The objective of this course is to “set-aside” (yes, pun intended…) that confusion and uncertainty, and provide you with the means of resolving Medicare Setaside issues with confidence.

The Medicare Setaside law affects ALL types of insurance claims, i.e. auto, general and products liability, No Fault/PIP, workers’ compensation, uninsured motorist, and any other type of insured, self-insured or uninsured right of recovery to which an injured party may have access. This course will provide you with important background information and a current update on the Medicare Secondary Payers Act and how you can effectively use this information in the resolution and settlement of claims.

3 Hours General CE
Course ID #76106
$22.65

Strategic Claims Negotiations

This course is designed to enhances an adjuster’s skills in claims negotiation. An detailed foray into concepts and principles that have proven successful time after time over the decades will provide the tools with which to approach new claims disposition challenges.

Principles include, but are not limited to, the importance of investigation, knowledge and information, accurate evaluation of exposures, assessment of the strengths and weaknesses of one’s position, deployment of offers and demands, and numerous other tips for claims and legal practitioners.

2 Hours General CE
Course ID #97272
$15.10

Residential Property Claims Adjusting

Property loss adjusting can be one of the most demanding, and yet one of the most gratifying, careers in the property and casualty insurance industry. These adjusters must possess an extremely detailed understanding of property coverages, a significant body of knowledge in property values, costs and methods of repair, and a working knowledge of accounting and construction methods and materials.

This course will take students through a detailed examination of the most commonly encountered residential dwelling and homeowners coverages, introduce them to traditional property adjustment doctrines, and present them with most of the typical claim scenarios encountered by property adjusters.

2 Hours General CE
Course ID #76258
$15.10

Coordinating Civil & Criminal Arson Investigations

Arson is a crime. Yet it is also an absolute defense to an insurance claim when the insured has caused the fire. For both criminal and civil arson cases, a thorough investigation is the key to success. This course explores the perspectives of both the civil and criminal investigators and how their efforts can be best coordinated to achieve maximum effectiveness and the best possible outcome.

1 Hour General CE
Course ID #76058
$7.55

Causation Concepts

Theories of causation have played a key role in the construction of first-party insurance contracts for nearly a century. Quite often, one event can lead to another event, and in some cases, both events are meant to be covered, while in other cases, one event is intended to be covered while the other is not. Today, the inability of policy drafters to create language that is both clear (for policyholders) and unambiguous (for the courts) relative to what is covered and what is not continues that controversy and, unfortunately, the industry’s inability to satisfy its primary customers (consumer and shareholder) has led to the formation of policy language that, on its face, can be taken as completely one-sided in favor of the insurer, thus leaving the policyholder out in the cold.

Using references to the San Francisco Earthquake and Fire of 1906, Hurricane Katrina (2005), and other examples, this course provides Adjusters and other claims professionals with an analysis of causation and how it affects coverage under traditional 1st party homeowner’s and commercial insurance policies, including the three (3) doctrines that play a role in loss determination: Proximate Cause, Concurrent Causation, Efficient Proximate Cause, and the most recent harbinger of change in the treatment of causation…The Anti-Concurrent Causation Clause

2 Hours General CE
Course ID #98181
$15.10

Introduction to Commercial Property Adjusting

Commercial property claims, on average, are more complex than homeowner’s claims due to the variety of coverages, nature and size of buildings, and greater value — and they typically take more time and effort.

Nevertheless, when handling any claim involving commercial property insurance, the treatment of perils is basically the same as that taken in the handling of dwelling and homeowner’s claims. This course introduces the property adjuster to the most common commercial coverages and adjusting concepts.

2 Hour General CE
Course ID #97848
$15.10

Managing the Insurance Issues in Arson Investigations

This course outlines the sensitive, and often prejudicial, issues surrounding the investigation of suspected arson. Students will learn where the sensitivities are in terms of coverage, confidentiality, legality and the potential for bad faith. Practical suggestions and tips are provided to the student in order to assist in this type of investigation without prejudice or harm to policyholder, adjuster, or carrier.

2 Hours General CE
Course ID #75929
$15.10

Chinese Drywall: Legal Issues, Exposure and Insurance Coverage

This course traces the odyssey of Chinese drywall through the U.S. courts and the insurance industry since its initial introduction into the American marketplace.

We will discuss the origin of the Chinese drywall problem, how it has affected businesses, industry, and consumers, the various insurance coverages triggered by this exposure, and the impact and status of litigation in the areas most affected.

2 Hours General CE
Course ID #98178
$15.10

Handling Inland and Ocean Marine Claims

Marine insurance is one of the oldest forms of insurance in existence today. It provides protection for property and cargo in storage and being transported across the country or shipped across the seas. Marine insurance also provides protection from loss to conduits of transportation (bridges and tunnels) and communication (radio and television towers).

In this course you’ll be introduced to the practical elements of both inland and marine insurance, the types of claims and how to handle them.

1 Hour General CE
Course ID #97847
$7.55

Automobile and Motor Vehicle Physical Damage Adjusting

In this course, students learn how to handle first party physical damage claims for damage to personal and business use automobiles commonly insured under the Personal Auto, Business Auto and Garage/Garagekeepers policies. Students will also learn traditional auto adjustment doctrines and best claims practices as they work though many of the typical claim scenarios they would encounter as an Auto PD adjuster.

2 Hours General CE
Course ID #76257
$15.10

Business Auto Claims Handling

This course is designed to provide adjusters with a general understanding of the coverage provided under the Business Auto Coverage and provide instruction and guidance to those who are unfamiliar with business auto claims. This course is also designed to provide insight and direction on the day-to-day claim handling issues related to coverage interpretation and to address the most common coverage issues found when handling Business Auto claims.

1 Hour General CE
Course ID #98605
$7.55

Adjusting Garagekeepers Claims

When a customer leaves an automobile in the care of an automobile dealer or other related auto business, there’s a tremendous risk of loss if the vehicle is damaged while the business is attending, servicing, repairing, parking or storing the auto in a garage operation. Yet getting payment from the attending business can be difficult because any “legal liability” for such damage would be excluded under the liability section of other applicable policies (i.e., Business Auto, Commercial General Liability and Garage Policies) by virtue of the care, custody, or control exclusion.

Garagekeepers coverage provides protection for damage or loss to a customers’ auto left in the insured’s care. This course is specifically designed to provide adjusters and other claims/risk professionals with an understanding of this type of coverage, including valuable insight on typical claim issues they will encounter, like the application of direct coverage options, liability deductibles, work you performed, and the elements of bailment and bailee exposure.

1 Hour General CE
Course ID #98606
$7.55

Garage Coverage and Claims Handling

A Garage Policy affords blanket coverage for operations necessary or incidental to an auto-related businesses without requiring multiple insuring agreements. This kind of policy combines the features of both Business Auto and Commercial General Liability coverage into one insuring agreement. It also provides physical damage coverage for garage autos as well as liability coverage for damage to customers’ autos while in the insureds care, custody or control.

In this course, adjusters and other claims/risk professionals will learn how to handle Garage claims by addressing the unique coverages provided under the Garage Coverage Form and that claim exposures faced by those in the automobile business.

2 Hours General CE
Course ID #98607
$15.10

General Insurance and Liability Laws

Never before and never again, since Edward G. Robinson’s memorable quote in the 1941 MGM film, Double Indemnity, has there been a more poignant and accurate description of the work of an adjuster. To be sure, the world of the insurance adjuster has changed in many ways, but in many ways it has not. While the term “claims man” may be obsolete, its meaning and the purpose behind the job has remained and now provides countless opportunities for men and women alike. The variety, interest and intrigue of an adjuster’s job remains the same, and, if approached professionally, still requires a broad range of knowledge, skills and talent.

Maximizing one’s effectiveness as a claims professional requires a solid understanding of the insurance industry, it’s policies, theories of civil liability, and the American Tort System. This introductory course into the world of insurance explores the underlying concepts of insurance, its policies, and theories of legal liability that ultimately call the insurance mechanism into action.

3 Hours General CE
Course ID #98179
$22.65

The Origin & Evolution of Workers’ Compensation

This course introduces Workers’ Compensation as an occupational benefit delivery system, explores the issues and concepts that influenced its development over the past century, and identifies the most challenging claims management issues of the day.

1 Hour General CE
Course ID #76057
$7.55

The Doctrines and Benefits of Workers’ Compensation

Knowing the laws of workers compensation is only the first step on the road to becoming a successful claims adjuster or case manager. Skilled claims and medical professionals who handle workers compensation claims know the legal doctrines that form the basis of these laws and understand the why behind the laws. This course examines most common legal doctrines that arise in the investigation and analysis of compensability and the payment of workers’ compensation benefits.

2 Hours General CE
Course ID #97850
$15.10

The Economics of Workers’ Compensation

This course is designed to enlighten adjusters and other claims professionals with a deeper understanding of one of the most basic, yet most critical of functions that lie just outside the realm of claims handling — the underwriting process — and the impact that claims handling, particularly in the areas of evaluation and reserving, have on workers’ compensation insurers and employer premiums, profitability, and loss.

The course reveals the interdependencies that exist between each of these disciplines, and helps the workers’ compensation claims professional better understand how reserving impacts rating, risk analysis, acceptance and pricing of insurance. When finished, students will have a deeper understanding of how each step taken in the evaluation and reserving process impacts the financial fates of insurers and their customers.

2 Hours General CE
Course ID #98180
$15.10

The Intoxication Defense

The Intoxication Defense has long been regarded as one of the strongest, yet often most misunderstood defenses against a workers’ compensation claim.

While the increasing prevalence of alcohol and drug use in our society has also increased the attention to the issue of alcohol and/or drug involvement in the workplace, all too often the defense is misused and benefits are either wrongly denied, or valid defenses compromised. This course examines Intoxication Defense in multiple jurisdictions across the country, including California, Florida, Georgia, North Carolina, Texas and more.

1 Hour General CE
Course ID #99010
$7.55

Overview of Longshore & Harborworkers’ Compensation & Jones Act

Despite their widespread existence, state workers’ compensation laws do not apply to everyone. People who work on or around navigable waterways, in maritime commerce, or in the repair and maintenance of ships, wharves, piers and docks are usually covered by various federal laws. This course provides an overview of our nation’s most significant employment exposures: The Longshore & Harborworkers Compensation Act.

2 Hours General CE
Course ID #76107
$15.10

Adjuster Flood Training Basics

This course is designed to provide students with comprehensive instruction on how flood claims are adjusted under the National Flood Insurance Program. The course provides the history and evolution of the NFIP, a description of how it operates, and vivid detail regarding the coverages, exclusions, and conditions contained within the NFIP Dwelling Coverage Form.

Packed with informative videos straight from FEMA and the NFIP, as well as relevant imagery to provide a deeper appreciation and understanding of what is covered and not covered, the course explains what has to happen to ensure maximum financial recovery after a flood disaster.

This course also provides detailed information on the claims process after a flood.

**This course satisfies the NCDOI biennial 3-hour CE Flood course requirement.

3 Hours Flood CE
Course ID #201221
$22.65