Class will be held June 13th-17th, 2022

902 51st Street

Galveston, Texas 77551

Session 0006-22

Good Faith and Fair dealing only apply when an insured has actually performed their Duties After a Loss in FULL. Even the “suggested ones’. Especially the “SUGGESTED ONES”!

Unpopular fact; Bad Faith rarely occurs, and is not what the masses think it is. For Bad Faith to actually occur, the Insured MUST PERFORM FULLY under the contract. If there was ever a silver bullet… that is it. Performance under the contract.

See you in June!

Why does your insurance company issue a ROR, otherwise known as a Reservation of Rights?

Sometimes, the answer is so simple, that folks complicate it.

1. The Insurance policy is a Contract.
2. The Contract requires the insured, not the insurance company, to “perform” after the loss.
3. This performance is a Burden, installed upon the insured, prior to the insurer having to do anything, save acknowledge, which is done when claim number is provided, and BEGIN an investigation. Why single out BEGIN? Because that is all that is required of them. It is up to the insured, or their legal representative, to perform fully under the “Duties after a loss section”, and present that to the carrier.
4. Only then, once that performance is complete, can the actual clock start. In Texas, 15 business days to… “COMPLETE” their investigation.
5. Currently, these same carriers have convinced the world that no conflict of interest exists when you, the person who owes, can dictate if, or how much… One of the largest conflicts of interest known to man.

Understanding the above makes this easier.

Anytime the carrier steps out and provides a “Good Faith” or “Good Will” gesture, by paying for anything without full performance from the insured, according to the Policy/Contract, they are in danger of setting a precedent on that claim, of taking over the insured’s “burden”. The ROR maintains that “Right”, to hold the insured accountable for anything they DID NOT perform, that was required.

Why would they do that?

So they could defend themselves.

The highest form of a compliment that we could receive, are from other educators in our field. Steve Patrick and Tony Rougas attended the February class. This is what Steve posted after Monday.

“What an incredible day today was at Cal Spoon’s Adjuster Bootcamp with Melanie Spoon and Shaun Hodges. If all we got was today, the class would be a tremendous value. Tony and I have been doing this for a combined 77 years and we were floored by how much both of us learned today, and there’s four more days!”

I can’t top that, so I won’t even try.

See you in class in June.