Class will be held November 2nd thru November 6th, 2020
902 51st Street
Galveston, Texas 77551
What did he mean by this? At first, to me, I simply thought they would still continue to deny valid claims, and hedge the money to make ridiculous amounts off of what has been “hedged.” It has been roughly 6 months since he made the statement. Took that long for me to truly get the meaning. We have watched in the actual claims process, and understand how is words reverberated through a lighting fast implementation. Little known fact, even to many who have been in the industry for extended periods, do not know or understand. “Disaster Declaration” Once one has been given, the insurance commissioner can allow the carrier additional time to respond.
From the Governor of Texas:
TO ALL TO WHOM THESE PRESENTS SHALL COME:
WHEREAS, I, Greg Abbott, Governor of Texas, issued a disaster proclamation on March 13, 2020, certifying under Section 418.014 of the Texas Government Code that the novel coronavirus (COVID-19) poses an imminent threat of disaster for all counties in the State of Texas; and
WHEREAS, in each subsequent month effective through today, I have issued proclamations renewing the disaster declaration for all Texas counties; and
WHEREAS, the Commissioner of the Texas Department of State Health Services, Dr. John Hellerstedt, has determined that COVID-19 represents a public health disaster within the meaning of Chapter 81 of the Texas Health and Safety Code; and
WHEREAS, I have issued executive orders and suspensions of Texas laws in response to COVID-19, aimed at protecting the health and safety of Texans and ensuring an effective response to this disaster; and
WHEREAS, a state of disaster continues to exist in all counties due to COVID-19;
NOW, THEREFORE, in accordance with the authority vested in me by Section 418.014 of the Texas Government Code, I do hereby renew the disaster proclamation for all counties in Texas.
Pursuant to Section 418.017, I authorize the use of all available resources of state government and of political subdivisions that are reasonably necessary to cope with this disaster.
Pursuant to Section 418.016, any regulatory statute prescribing the procedures for conduct of state business or any order or rule of a state agency that would in any way prevent, hinder, or delay necessary action in coping with this disaster shall be suspended upon written approval of the Office of the Governor. However, to the extent that the enforcement of any state statute or administrative rule regarding contracting or procurement would impede any state agency’s emergency response that is necessary to cope with this declared disaster, I hereby suspend such statutes and rules for the duration of this declared disaster for that limited purpose.
In accordance with the statutory requirements, copies of this proclamation shall be filed with the applicable authorities.
IN TESTIMONY WHEREOF, I have hereunto signed my name and have officially caused the Seal of State to be affixed at my office in the City of Austin, Texas, this the 7th day of September, 2020.
Governor Greg Abbott
Found here. Governor Abbott’s September Disaster Proclamation.
March 23, 2020
To: All insurers licensed to write life and accident and health insurance, health maintenance organizations, agents, third-party administrators, utilization review agents, MEWAS licensed in Texas; all insurance companies, corporations, exchanges, mutual, reciprocals, associations, Lloyds, other insurers writing property and casualty insurance in the state of Texas, including workers’ compensation insurance; agents and representative; adjusters; premium finance companies; and other relevant parties
Re: COVID-19: Claim-handling deadlines and premium payments
- Promptly identify, evaluate, and resolve claims.
- Promptly acknowledge receipt of a claim.
- Promptly make appropriate assignments for the investigation of a claim.
Consumers and providers should continue to get timely service and receive prompt claims payments. Consumers or providers experiencing problems should contact the Texas Department of Insurance (TDI) Help Line at 1-800-252-3439.
Premium payments grace period
TDI expects all carriers to work with policyholders who may experience financial hardships due to the COVID-19 outbreak. TDI encourages carriers to use grace periods for payments, temporary suspension of premium payments, payment plans, and other actions to allow continuing insurance coverage as appropriate. TDI will work with carriers to minimize the regulatory effects of an insurer’s actions to provide policyholder relief, specifically for financial review requirements. The term “suspension” is not intended to mean the forgiveness of the premium.
Automatic bank drafts for premium payments may continue according to a carrier’s written agreement with a policyholder, unless a policyholder notifies a carrier of a specific hardship. This should be weighed against the potential disruption to a carrier’s business model or the inconvenience caused to the policyholder by multiple payments. It is TDI’s expectation that carriers will work directly with policyholders to resolve issues and minimize the effects of any penalties or additional charges.
Found here: Commissioner’s Bulletin B-0007-20
The “Earnings Event” is… an additional 45 days to hold the insured’s money… That is double the standard time. Do they actually need it? No.
This is from Allstate… who are letting 3800 people go.
Not COVID, Not CLAIMS, Artificial Intelligence.
We are need more than ever.
As promised, we will choose one Veteran that meets the criteria posted in this video. Veteran Qualifications for free Class.
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.
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.
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
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.
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
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
Conditions (cont.); Exclusions
- Ocean Marine Insurance
Introduction to Ocean Marine Insurance; Implied Warranties
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 Insurance-Schools.com Public Insurance Adjuster course in an open discussion classroom setting. This is being done for many reasons, I will list just a few.
- 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.)
- The material provided by Insurance-Schools.com 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.
- Insurance-Schools.com incorporates any new legislation affecting the rules that govern us, as you can see, all versions above carry the latest updates.
- We used the very same program to obtain our initial Texas license, and have used them whenever necessary to obtain licensure in other states.
- 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.
CANCELLATION – REFUND POLICY
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.