Public Insurance Adjuster Goals… Tennessee Session 005-20

 

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Description

Session 0005-20

512 N. Cumberland St.

Lebanon, TN 37087

May 4th through the 8th, 2020

The main goal is to #ProtectTheInsured, within the bounds of the statutes, the policy, best known building practices, and a moral code that rises above mere ethics.

Yes, we teach that.

ABOUT PUBLIC ADJUSTER BOOT CAMP

While many courses out there focus the student on passing the licensing exam, this course takes students from a claim’s inception, walks them through the entire claims process, and demonstrates how to close them quickly.  Timeliness of claims processing avoids further disruption to clients’ lives and to a PIAs ability to earn.  This course also discusses the times and places in which claims are ripe for Appraisal and/or Litigation.  No other school out there delivers a “system in a box” approach to instruction that prepares its students to go out into the world and increase the effectiveness and income of their businesses.  We are certified for the 24 hour CE in Texas, and will be adding strictly CE courses in the future.  At this time we are not offering CE due to the demand of a seminar-style (instructor- AND student-led training) versus the restrictions of CE.

WHO SHOULD ATTEND

This 40 hour training is intended for Public Insurance Adjusters, young and old, for contractors considering becoming a Public Insurance Adjuster, and for attorneys wishing to understand the value of a Public Insurance Adjuster and how to speak “PIA speak,” in order to understand how well trained PIAs prepare their files for litigation.  This course is also for anyone considering becoming a Public Insurance Adjuster or working within a PIA firm in some capacity.

Priority for any leader is to lead by example.  Leaders of a firm should attend first, before sending out their employees.  What has happened in the past, unintentionally, is that an employee would take the class, develop a firm belief for the system we teach, return to their firm, and end up causing disruption within or leaving the firm because leadership failed to see the value in adopting these practices.  Please, don’t send them if you don’t plan to attend.

OBJECTIVES

Each Participant Will:

Learn the most critical documents every PIA must have:

The PIA to Client Contract

Notice to Carrier (Letter of Rep) + Valuation = Proof of Loss

Letter of Protection

Client Questionnaire

Learn what types of files to request from the carrier

Learn Field and Desk Adjusting processes

Learn the basics of scoping, valuation (estimating), and progress invoicing

Learn to read a Policy and counter carrier’s attempt to not pay what is owed

Learn when a claim is ripe for Appraisal

Learn when a claim is ripe for Litigation

Learn what to expect in a Deposition

Learn the Governing Codes for their state: Admin Codes and Insurance Codes

 

Each Participant Receives:

 

All contracts and documents needed to run a successful public adjusting firm

Template letters for clients and insurance carriers

Continued support after graduation.

Exclusive access to a network of both PIA and Attorney graduates; All believing in the same process and have been vetted.

A certificate with our seal, stating that you have completed 40 hours of intense instruction in the field of insurance, ethics, and claims management. (This is not for CE, this is specifically for the graduate. To me, personally, it a badge of honor. To those who came before, I believe every one of them would agree. It is something to be proud of.

 

DAILY SCHEDULE

08:00-10:00       Laws, Codes, Case Studies, and Litigation                 by Shaun Hodge

10:00-12:00       Setting Up Files, The Process                                    by Melanie Spoon and Jessie O’Dell

12:00-13:00       Lunch

13:00-17:00       Field Adjusting: Tactical Application                         by Cal Spoon

 

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

 

If CE route is chosen, it will go as follows: (Choice is made by majority vote at beginning of 1st day.) The same items are gone over, the difference is we can pick what areas you are actually having trouble on, and focus on them. Last class left with their most problematic claims at closing points. (Appraisal and PIA)

 

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

Timelines

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 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.

  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 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.
  3. Insurance-Schools.com 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.

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.

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