Chicago Boot Camp at the Trump International Hotel and Tower – Chicago happening November 7-10, 2022. Precursor to “Mend the Fracture”…


Chicago Boot Camp at the Trump International Hotel and Tower – Chicago happening November 7-10, 2022. Precursor to “Mend the Fracture”…



Class will be held November 7th-10th, 2022

401 N. Wabash Avenue,

Chicago, IL 60611

Session 0011-22


This is a special camp, where we are bringing the camp to one of the many states we have defined as one of the places where we are needed most. (Will still be Melanie, Shaun, and I teaching just as we always do. This camp will have lunch provided, and is capped at 40.)


The below is the description for the week, and then the conference. If you are a graduate, you get a 20% discount from the conference… and the conference is going to be fire. While we will put some heavy focus on the great state of Illinois, it follows suit on most things we do, and we are looking to correct the areas it does not. Not because the process, but because of the environment. We are coming to tilt that environment back to where it was supposed to be. Honest, legitimate adjustment of the claims, and consequences when those are fulfilled, and the carrier fails to reach indemnity.

Absolutely no Zooms for this camp. In person only.


Hotel Blocks apply to camp as well. $256.00 per night, for a 4 star hotel… (I’m in!)


It’s official: “Mend the Fracture” is Secured
Trump International Hotel and Tower – Chicago
November 7-10 will be regular November session.
We will extend the days to get the full camp in 4, instead of 5.
Lunch will be provided daily by the hotels catering service.
The two are separate but being held together out of convenience. It is not necessary to attend both. Many have already committed to the camp, then will simply stay over for the conference. Many more will just come for the conference.
November 11-12 will be the conference itself. The name is the intent. Our industry is broken. It does not have to be that way. In fact, the only entity that benefits from that fracture… is the carrier. Unity is never good for them, unless it is amongst their own ranks. Means they figured this out a long time ago.
Lunch will be provided both days by the hotels catering service.
Saturday Evening Cocktail Party from 7-9 on us, then we can move to the beautiful terrace bar overlooking the River at the mouth of Lake Michigan… what drew us to that venue.
This is an Educational, not motivational conference. There will be plenty of that there, but the focus is on education.
Roofers/Contractors/Attorneys/Appraisers/Public Insurance Adjusters and all that is needed to support that. Before you were any of those, and for the rest of your life, you will be an… insured.
This is information that anyone who process funds from an insurance company would benefit from knowing. This is actionable intel, that you can walk out into the hall with, and make immediate corrections on current problems.
This is Illinois centric. While the information does not really change, there are specifics to each state, and some states, like Illinois, have specific issues that I think we can fix, together. We are giving the meat for all states, the specifics on Illinois.
Roofers/Contractors/Attorneys/Appraisers/Public Insurance Adjusters whether you are the insured today or tomorrow, it is eventually going to be you as a claimant. Let’s make sure it is a fair process. We do that by making the process fair, transparent, and according to the facts of the loss and the policy provisions, as intended, not as a profit maker.
The lineup is growing as we nail down dates and times, which we have now done. Here is the short list.
  • Paul Reed:
At PPA 2022, there was a presentation that brought a bit of shock and awe. From what I can understand, it came from a fundamental flaw in understanding. When I spoke to him, I could tell it bothered him. His topic became clear. Tell us about it. Explain it to us. The look in his eyes changed. Never met him before but follow him and his wife on social media. I am pretty good with people when it comes to seeing a change in process. Means he has a passion about this endeavor, and he would like to make sure that there were no misconceptions, myths, or half-truths about what they were doing.
  • Chip Merlin:
Chicago Claims environment. Personal responsibility of all parties to put in the work, and be prepared to defend it.
  • Justin Dant:
  • Galen Hair:
  • David Kim:
He has his finger on the pulse of Illinois Contractor/PIA issues and dilemmas.
  • Vince Perri:
The power of Networking within the industry and out.
  • Candice Colucci:
  • Shaun Hodge:
The importance of availability of counsel for all, creating a coalition of attorneys who are willing to help either learn while being local counsel, or are willing to take on the claims that are needed now. This is a crucial time, and skilled anything with their heads together, are a force to be reckoned with.
  • Kevin Dandridge:
The ramifications of an OSHA Violation, or worse… Occurrence, and how they can be avoided, and compensated for, as they should be.
  • Melanie Spoon:
Taking control of the front office, handling the claim and the clients.
  • Kevin McCarthy:
The myth about being both the contractor and the PIA. Can it be done? Legally, yes. The problem is, many do not understand that there are conditions precedent to that occurring. If you fail, at any of those provisions, you have violated the right to do both, and broke the law. (I am aware that the majority are doing it. I am also aware that if I am, so are the carriers. Means they are allowing it at the moment, but could change their mind at any point, and enforce the law. They normally do when it is beneficial to the end result.)
  • Steve Patrick:
Steve actually has quite a few things on plate. We will see what he wants to hit most that will give you the best bang for the buck.
  • Doug Quinn:
Speaking on the American Policyholders Association and what you can do to help stop fraud on all sides, as well as how to join the APA.
  • Darrick O’Day:
Master of Ceremonies
  • Cal Spoon:
Righting the wrongs. Making amends to others in the industry. The future of our profession and having a hand in guiding it, regardless of how long you have been in it. Where the saying, forest from the tree originated… When you are so deep in the problem, sometime a fresh set of eyes changes everything.
  • Nedal and Tina Nabhan:
PABC process in the Midwest (states with no laws!!!)
How we do it.
  • Kimberly Reed:
Roofers in Recovery. She has some phenomenal news about expansion and the involvement of some strategic government partnerships that will allow them to help more folks, with better care, at a lower cost.
  • Mathew Mulholland:
Dealing with Engineers.
  • Randolph Love:
Effective Estate Planning Principles For Insurance & Insurance Restoration Professionals
  • Chris Courville:
  • Neal McLoughlin:
  • Ron Snouffer


There will never be a time when are stronger, than when we are together.
Tickets will be inclusive of the conference/camp, great catered lunch, Cocktail party Saturday night.
Camp: $2,000.00 sold separately
Conference $750.00 sold separately
Look at the event, look at the venue, and realize. We are covering costs at best.
We have a limited block of rooms at $265.00 per night… at a 4-star hotel where lunch is provided daily, by that 4-star hotel. I would fly in or uber in, and not leave… What we are doing. No parking fees, no bs, and everything you could want is in the hotel, or right there close.
I will leave you with my current favorite quote, that Doug Quinn shared with us.

“If not us, WHO? If not now, WHEN?”

Regular Agenda below:

We teach a diverse, national audience. What we attempt to teach spans that process and attempts to incorporate universal practices that are not central to any particular state, but a road map to any of them.

Correct Proof of Loss does not fluctuate, unless the facts dictate. Second part of that, we, nor the attorneys, have the power to “settle” a claim. Only the insured has that right. Follow up to that, and reasoning… does the insured understand what was removed, how it affects them, and what are the long term consequences on one of their largest, most coveted possessions? If you threw dookie on the wall, and demanded items that were not… “reasonable or necessary”… That is a whole different conversation.

If we are to expect professionalism, ethics, and due diligence, we must be prepared to give those things, and more. One of the strongest principles we teach, is to expect exactly what you give. That starts by not calling the process of handling insurance claims a “game”. It is not a game, and not something to be won. Suggesting it is, is trivializing the very existence of the insurance, the sacrifices made to have it, and keep it, as well as the tragedy that befalls an insured after a loss. If you do it, you allow them to do it. 

I cannot recall a single thing I have lost by keeping this philosophy. I can, and will teach you everything I can about what is has given me. Melanie and Shaun will do the same. That I know of, all past graduates feel the same… we want… no NEED to see you persevere when the odds are against you, and your back is up against the wall, you will no longer be alone. Not only us… a small army has already graduated.

We are, afterall, practitioners, not academics. We must make sure not to harm our clients while trying to help them.

Zoom… We will do Zoom again on this one class, with strict rules, and an understanding that you do not get access to the full Graduate’s Network unless you are present the whole time.

  1. There will be only (2) two Zoom participants, they will be unmuted upon entry, and remain that way. (Unless folks are in and out, doing laundry, and the like, coming in and forcing class to revisit. It is as simple as that.)

  2. Price will be the same. There are no discounts for taking camp via Zoom.

  3. No recording. Period. Everyone deserves to speak freely, and without fear of a recording, taking something entirely out of context, and using it. Part 2 of that, we cannot respond to a subpoena to produce a video that does not exist.

  4. We have another network that is growing, it is for those who have completed an online class through anything the PABC does.

  5. Zoom participants will still receive a certificate of completion, it will just be via Zoom.

The class is made up of three parts.

Everyday Shaun Hodge is in legal mode from 8 am to 10 am.

Melanie takes over from 10 am – Noon with Contracts/Administrative/Front office.

I, Cal, take the helm from 1 pm to 5 pm with policy, and actual practice.


While our specific class topic may have one focus, the class will go over all the items listed below, just not necessarily in that order. (Why we don’t offer CE’s. We can, it is just scripted, with no variance, and not a ton of actual practice.)

We combine them for everyday use in our field, to everyday issues you have in the field. We are you…

I have no idea what the text of the previous post was… so I didn’t try to recreate it… just like a claim. Simply explained my issue, acknowledged that issue, and started over.



As promised, we will choose one Veteran that meets the criteria posted in this video. Veteran Qualifications for free Class.

If you would like to sponsor a Veteran, just reach out to us.

Below is the general syllabus. I say general because the class normally takes on a life of its own, based upon the class as a whole.

While we are certified to teach the full 24 hour class for CE, no one has ever chosen it over the nuts and bolts, so we are no longer using it as an option. It will come back later in individual modules.

Our Texas State Credentials, found @ hyper-link below.

Registered Provider: Public Adjuster Boot Camp LLC – Melanie Spoon, Shaun Hodge, and Cal Spoon

Texas Registered Provider Number: 160583

Type of Study: Classroom

Location 902 51st Street, Galveston, Texas 77551

Course length: Course will be five consecutive days, beginning Monday. Course will be eight hours per day, for a total of 40 hours. We understand that the minimum requirement for our profession is 24 hours. We are not trying to reach the minimums, we are going to exceed them, thereby assuring that anyone who has attended, and passed, will be more than capable of performing the duties of a Licensed Public Insurance Adjuster. For those who need CE, they will receive the hours credited through Sircon and a certificate of completion for 24 hours as well as a certificate of completion for the full 40-hour course.

Daily Schedule

Time                                       Activity                                              Classroom Hours

08:00 am – 10:00 am             Ethics and Law                                   2.0 hours

10:00 am – 10:15 am            Morning Break

10:15 am – 12:00 pm             Policy and Interpretation                    1.45 hours

12:00 pm – 12:30 pm            Lunch

12:30 pm – 02:45 pm            Policy and Interpretation                    2.15 hours

02:45 pm – 03:00 pm              Afternoon Break

03:00 pm – 05:00 pm              Application of lesson to a claim         2.0 hours


The following course topics and discussions will be gone through, thoroughly, beginning to end for the Ethics and Law portion:

  • Texas Prompt Payment of Claims


Claim Acknowledgment

Acceptance/Rejection/Additional Information Request

Payment of claim

Court decisions on Texas Prompt Payment of Claims

  • Ethical duties in adjusting a claim and submitting documents on behalf of an insured.

Insurance Fraud

Recoverable Depreciation

Prior loss history

Duty to fully investigate

Sworn Proof of Loss

Examination Under Oath


  • Texas Insurance Code Chapters 541 & 542

Duty of Good Faith and Fair Dealing

Unfair Claims Settlement Practices

Deceptive and false information regarding policy coverage.

Statutory Bad Faith

False, misleading information, failure to disclose known facts impacting the claims adjustment

Recent court decisions interpreting Chapters 541 & 542


  • Public Adjusting 101

Public Adjuster Rules

Public Adjuster Obligations

Ethical and Legal Requirements of Public Adjusters

Conflicts of Interest and prohibited conduct

Unauthorized Practice of Law

Unauthorized Practice of Public Adjusting


  • Recent appellate decisions concerning Public Adjusters and the appraisal process

Public Adjuster liens

Endorsement of claims check (fiduciary duties)

Rights of Public Adjusters

Interpretation of appraisal provisions (competent and independent)

Survival of bad faith and prompt payment of claims post appraisal

Allowed compensation of appraiser’s expert witness


The following course topics and discussions will be gone through, thoroughly, beginning to end for the general knowledge portion:

  • Insurance fundamentals – Updated 03/03/2018

Insurance Defined & the Principle of Risk

Elements & Characteristics of Insurance Contracts

Important Terms Pertaining to Insurance Contracts

The State Insurance Department


  • Insurance Companies – Updated 01/19/2018

Insurance Companies – Classifications

Insurance companies – Agents, Producers, Brokers


  • Property Insurance Concepts – Updated 03/08/2018

Property Insurance Concepts

Loss Valuation & Settlement methods


  • Liability Insurance Concepts – Updated 01/05/2018

Liability Insurance Concepts- Updated 01/05/2018


  • Unfair Claim Settlement Practice Act – Updated 10/23/2017

Unfair Claim Settlement Practice Act – Updated 10/23/2017


  • Standard Fire Policy

Standard Fire Policy- Module A

The Standard Fire Policy – Module B


  • Dwelling Insurance

Dwelling Insurance – A

Dwelling Insurance – B

Dwelling Insurance – C
Dwelling Insurance – D

Dwelling Insurance – E


  • Homeowners Insurance Texas – Updated 3/28/2018

Eligibility & Definitions

The Homeowner Forms

Exclusions; Section I in Detail

Exclusions; Limits of Liability; Coverage D

Additional Coverages

Section I – Property Conditions

Section II – Liability Coverages and Exclusions

Liability Exclusions and Additional Coverages

Section I and II Conditions


  • Personal Inland Marine Insurance

Personal Inland Marine Insurance


  • Personal Watercraft & Yacht Policies – Updated 7/27/2017

The Personal Watercraft & Yacht Policies – Updated 7/27/2017

The Yacht Policy – 7/27/2017


  • Insurance Claims Adjusting

Introduction to Claims Adjusting – Updated 11/01/2017

Adjusting Insurance Claims — Updated 11/01/2017


  • Adjusting Property Loss Claims – Updated 03/02/2017

Adjusting Property Loss Claims – A

Adjusting Property Loss Claims – B


  • Texas Public Adjuster Law

Texas Public Adjuster Law – Updated 08/03/2018


  • Personal Automobile Insurance

Personal Auto Policy, Eligibility, Rating Factors

Part A Liability Coverage and Exclusions

Part B Medical Payments; Part C Uninsured Motorist; Part D Coverage for Damage to your Auto

Limits of Liability; Parts E and F Conditions; Other Provisions; Endorsements


  • Commercial Package Policies & The Business Owners Policy – Updated 11/10/2017

Introduction to Commercial Package Policies and the BOP

BOP Eligibility and Coverages

Additional Coverages; Extensions of Coverage

Liability Coverage; Optional Coverages and Endorsements


  • Commercial Property Insurance – Updated 6/1/2017

Introduction to Commercial Property Insurance

Property not covered

Commercial Property Conditions

Cause of Loss Forms

Business Income (Time Element)

Miscellaneous Property Forms and Endorsements


  • Equipment Breakdown Coverage

Coverages and Extensions

Deductibles, Endorsements, Exclusions


  • Umbrella & Excess Liability Coverage

Personal and Commercial Insurance


  • Commercial Inland Marine Insurance

Commercial Inland Marine

Commercial Property Floaters Risks

Bailee Forms and Dealers Policies

Loss Conditions

Conditions (cont.); Exclusions


  • Ocean Marine Insurance

Introduction to Ocean Marine Insurance; Implied Warranties

Hull Coverage

Cargo & Freight Insurance; Ocean Marine Forms, Perils & Exclusions

Ocean Marine Claims Handling and Payment of Premium

      • Aviation Insurance

Aircraft Hull Policies, Aircraft Liability Coverages, Definitions

Admitted Aircraft Liability, Hangar keeper’s Liability, Exclusions

  • Bonding & Surety – Updated 06/01/2017

Bonding & Suretyship, Fidelity Bonds and Surety Bonds

Contract Surety Bonding and Financial Institution Bonds


All course work will be performed through the online version of Public Insurance Adjuster course in an open discussion classroom setting. This is being done for many reasons, I will list just a few.

  1. We have administrative rights to all tests and scores taken, and can submit those, as needed by the department, to confirm the effectiveness, participation, and general amount of time spent by time logged in, and tests taken. (Attendance, roll call, and exit.)
  2. The material provided by has already been approved by the department and will not be changed or deviated from in our classrooms. We will actually discuss them in great detail, with different scenarios.
  3. incorporates any new legislation affecting the rules that govern us, as you can see, all versions above carry the latest updates.
  4. We used the very same program to obtain our initial Texas license, and have used them whenever necessary to obtain licensure in other states.
  5. Courses will be administered via laptops we provide, specifically and solely for this purpose, and will remain in our possession at all times, save for theft, or any other instance out of our control.

What can you expect from this Session?

Students who have taken and successfully completed our course should be able to read and understand common policy language and conditions. This would include exclusions, endorsements, and claim filing procedures. After each 6-hour class day, there will be an additional 2 hours dedicated to the open discussion, and actual application, based off our collective knowledge in the field. This equivalates to 40 actual classroom hours, more than the required 24. Finally, if the student is not already licensed, that student should be able to schedule, take, and pass the exam provided by Pearson VUE, then be capable of performing their duties once a license is obtained.

We look forward to helping insurance professionals maintain the highest standards possible, by raising those very standards.


All cancellations must be received in writing on or before the 14th day prior to the commencement of the course.    Cancellations requests received in writing on or before the 14th day will result in a refund of the registration fee less a 20% administrative charge.   Any cancellations less than 14 days prior to the course will result in the forfeiture of the registration fee.     Cancellation requests must be made in writing to the registrar at Public Adjuster Boot Camp Attention: Melanie Spoon at 902 51st Street, Galveston, TX 77551-4110.




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